Madagascar’s Fintech Ecosystem in 2026

本報導分析馬爾地夫在 2026 年的金融科技（Fintech）發展版圖。內容涵蓋該國數位支付、金融服務創新以及未來的市場成長動態。

分析莫三比克在 2026 年的金融科技發展概況，探討該國如何透過技術創新提升金融服務的可及性。重點包含當地的數位支付環境與金融服務數位化轉型。

本文分析馬來西亞在 2026 年的金融科技（Fintech）發展環境與最新進展。內容涵蓋該國推動數位金融轉型的現況，並展望未來的產業發展趨勢。

模里西斯作為非洲領先國家，在 2026 年展現其金融科技生態系統的成熟與發展。該國透過政策推動與技術創新，持續強化其作為區域金融科技樞紐的角色。

本文分析了 2026 年 Mauritania 的 Fintech 生態系統現況。重點探討當地的數位支付創新、金融服務的可及性以及金融科技在該國市場的佈局與影響。

Mali is a landlocked West African country where traditional bank branches are scarce outside urban areas, leaving telecom-led mobile payments as the main driver of fintech. Through the West African Economic and Monetary Union (WAEMU), the Central Bank of West African States (BCEAO) is advancing payment interoperability and electronic-money regulation. These efforts are critical to providing rural communities, remittance users and small and medium-sized enterprises with access to basic financial services.

The Fintech Times reported on May 3, 2026, that Mali had about 25 fintech-related companies, including Orange Money Mali, Moov Money Mali and Wave Mobile Money. The country has GDP of about $22 billion and per-capita GDP of roughly $1,000. As of 2025, 35% of adults used formal financial services, with the share rising when mobile wallets are included.

Malawi has a population of more than 22 million but gross domestic product of only about $16 billion and per-capita GDP of roughly $650. Its economy depends on agriculture, much of its population lives in rural areas and traditional banking coverage is limited. Guided by the Malawi 2063 development agenda and supported by the World Bank and the United Nations Capital Development Fund, the government is expanding financial inclusion through mobile payments and the digitalization of public services.

The Fintech Times reported on April 27, 2026, that the Reserve Bank of Malawi was advancing a national payment switch and interoperability between banks and mobile wallets. The country's 2024–2028 financial inclusion strategy aims to bring 95% of adults into the formal financial system by 2028. Mobile and internet penetration currently stand at about 70% and 30%, respectively, while only 25% of adults have bank accounts. The market has about 20 providers, including Airtel Money and TNM Mpamba.