2026 年布吉納法索 Fintech 生態系統發展觀察

Pakistan is emerging as a South Asian fintech hub as it shifts from a cash-dominated economy toward a digital financial system. The country is promoting financial inclusion through Raast, the State Bank of Pakistan’s instant payment system, with a target of raising financial inclusion among adults to 75% by 2028. Its fintech ecosystem now comprises about 450 companies and has attracted $391 million in cumulative venture capital funding. The market is projected to exceed $7 billion in value by the end of fiscal 2026.

Pakistan passed the Virtual Assets Act in 2026, formally establishing the Pakistan Virtual Assets Regulatory Authority (PVARA) to regulate digital assets. Retail payments reached 9.1 billion transactions worth 612 trillion Pakistani rupees in fiscal 2025. The Dubai FinTech Summit is also scheduled to hold an event in Pakistan in August 2026 in partnership with the Pakistan Digital Authority, accelerating the country’s integration with the international financial system.

Laos has an economy of about $17 billion and GDP per capita of roughly $2,700, and has long relied on hydropower, mining, agriculture and tourism. Limited banking coverage in rural areas has made digital finance critical to closing service gaps. The government is advancing the transition through its National Digital Economy Strategy 2021–2030, while BCEL One from Banque pour le Commerce Extérieur Lao (BCEL) is a major mobile banking service.

A May 23, 2026, review by The Fintech Times found that Laos had about 25 active fintech companies, concentrated in mobile payments, remittances and digital wallets. World Bank data showed that only about 45% of adults had access to formal financial services in 2025, while mobile penetration had already exceeded 70%. The Bank of the Lao P.D.R. has also expanded cross-border interoperability between Lao QR and Thailand's PromptPay and continues to pursue payment integration with Vietnam.

Liberia has long relied heavily on cash, with limited access to bank branches outside the capital, Monrovia, and financial exclusion remaining widespread. The country has GDP of about $4.8 billion and per-capita GDP of only around $800, but mobile penetration has reached 70%–80%, providing an entry point for digital finance. About 35%–40% of adults currently have a formal financial account, making fintech crucial to expanding access to payments and financial services for rural communities and small and medium-sized businesses.

An April 20, 2026 report showed that Liberia had only about 20–30 relevant providers, led by Orange Money Liberia and homegrown wallet TipMe. In 2025, the Central Bank of Liberia (CBL) partnered with the Mojaloop Foundation to launch the Instant and Inclusive Payment System (IIPS), an interoperable real-time payment platform. In 2026, the government also announced the Ministry of Posts and Telecommunications’ 2025–2029 “Digital Liberia” plan.

本文分析 2026 年迦納的 Fintech 生態系統發展趨勢與現狀。迦納作為非洲金融科技的重要發展據點，其數位支付、行動金融及相關創新服務的成熟度與市場動態受到關注。

Ethiopia has a population of about 130 million, but its financial system has long been dominated by state-owned institutions, with limited private-sector participation and adoption of digital finance. Through Digital Ethiopia 2030, the government is promoting nationwide connectivity, digital identity and mobile financial services. The digital economy currently accounts for only 3.9% of GDP, making fintech’s ability to reach rural and unbanked communities critical to economic inclusion and the success of market reforms.

The Fintech Times reported on April 1, 2026, that Ethiopia had about 49 fintech startups and that more than 9 million people had enrolled in the national digital identity program. The National Bank of Ethiopia launched the second phase of its National Digital Payments Strategy for 2025–2029 in March 2025. SanuPay and OpenWay also plan to issue 4 million debit and prepaid cards and 5,000 credit cards. The amount invested was not disclosed.

Equatorial Guinea has long depended on oil and gas revenue, but access to financial services has not kept pace with income per capita. Financial inclusion across the Central African Economic and Monetary Community (CEMAC), to which the country belongs, stands at only about 32%. Through its National Development Plan 2035 and the World Bank-backed ADIGE digital agenda, the government is promoting telecommunications infrastructure, digital government services and skills training to lay the groundwork for payments, remittances and SME financing.

A March 29, 2026, review by The Fintech Times estimated that the country had fewer than five to 10 fintech and digital financial services providers, with traditional banks and telecommunications companies still dominating the market. Services such as Orange Money focus on transfers, bill payments and stored value. The government has also made data governance, cybersecurity and digital infrastructure central to its reforms, but the report disclosed no new investment amount, underscoring that the ecosystem remains at an early stage.

文章主題聚焦非洲國家 Chad 在 2026 年的 Fintech 生態系，核心屬於金融科技發展與市場結構觀察。由於未提供內文，尚無法確認具體企業、政策或投資動向，但可判定其討論重點是 Chad 的 Fintech 發展現況。

這篇文章聚焦 Azerbaijan 在 2026 年的 fintech 與數位生態系，主題明確指向金融服務數位化與相關產業發展。由於內容未提供，現階段可保守視為對 Azerbaijan 金融科技環境、數位基礎建設與市場趨勢的綜合性討論。

阿爾及利亞的金融科技（Fintech）生態系統在 2026 年展現強勁的成長動能。該國正透過各項建設與政策推動，持續強化其數位金融環境的發展。