2025-05-13-世界银行-埃塞俄比亚金融包容性的动态_多样化交付渠道_扩大数字技术_增强金融知识_以实现更大的金融包容性（英）_106页_3mb

• Increased financial inclusion in Ethiopia over the past six years, with account ownership nearly doubling from 23% in 2016 to 41% in 2022. However, Ethiopia ranks lowest in financial inclusion compared to neighboring countries and Sub-Saharan Africa.
• Significant progress in access to financial accounts, but disparities persist by gender, age, education, and geographic location. Women, youth, and the rural poor are among the groups with lower inclusion rates.
• Mobile phone usage and financial knowledge are key drivers of financial inclusion. Improving digital literacy and access to financial services in rural areas is crucial for expanding inclusion.
• Gender inequality remains a barrier, with a widening gender gap explained primarily by differences in financial knowledge, education, employment, and access to technology.
• Enduring policy recommendations include diversifying financial access channels, promoting digital financial services, and enhancing financial education, particularly for women and youth.
• Financial inclusion correlates with human capital development, poverty reduction, and inclusive growth, emphasizing the need for targeted interventions to expedite progress.

For detailed findings, refer to the report.