Our Fintech business has scaled exponentially across Africa. We have evolved from basic airtime and P2P services into a diversified financial platform spanning payments, lending, insurance and remittance. This transformation was anchored in the Ambition 2025 vision and enabled by the BOLD strategy. To remain relevant and sustainable, we are pivoting to become a digital-first platform focused on ecosystem growth and driving financial performance through advanced services
Performance in 2025
Group fintech revenue
Closing monthly active users of
transaction volumes up +14.9%
transaction value up +37.6%*
Our strategic priorities
The execution of our BOLD strategy has translated into material scale, reinforcing our position as a leading fintech platform
The fintech ecosystem has shown strong, consistent growth over five years, driven by platform expansion and rising customer engagement.
Continued leverage of MTN Group strengths (distribution, scale and relationships) to support growth.
Our offerings
Wallet
The wallet remains our core and has allowed us to leapfrog and drive advanced financial services through our other verticals. We continue to focus our efforts on enhancing the user experience and distribution to enable more users to access our platform.
Payment and e-Commerce
Payment transaction values were driven by a growing merchant network and the expansion of our digital payment use cases, supported by our MoMo API programme.
Remittance
Remittance was driven by a growing network of corridors, focused marketing activities and improvements in our operations management. We launched remittance services in Nigeria and South Africa.
BankTech
We continued to grow MTN MoMo lending marketplace through new partners and market expansion. We have accelerated the rollout of MoMo Advance in Cameroon and Ghana (in addition to Uganda). MoMo Advance is an in-session lending product that provides support for customers with insufficient funds.
InsurTech
As part of our partnership with Sanlam, through aYo, we re-focused our efforts on scalable markets such as Ghana, Uganda, Nigeria, Cameroon and South Africa.
As we embark on 2030 ambition, we looking ahead to:
