Today more than five in 10 Tanzanians (54%) are financially included, mainly through mobile money accounts (53%). Tanzania has a largely rural population, which makes access to financial services a challenge and digital solutions ideal. The World Bank reports 70% of the population resides in rural areas, and FII data shows that less than one-third (29%) of the rural population have active accounts (used in the last 90 days), whereas urban citizens are twice as likely to have actives accounts (61%). Approximately 76% of Tanzanians live on less than $2 per day, with three-quarters of Tanzanians employed in the agriculture sector, according to World Bank data. Making gains among these groups is key to improving Tanzanians’ financial lives.
Financial Inclusion



Mobile Phones




Mobile Money Use




What percentage of adults can borrow a mobile phone?

True or false
Financial inclusion in Tanzania is primarily through nonbank financial institutions (NBFIs).
Registered mobile money use is highest among which demographic group?
Which mobile money brand did Tanzanians use the most in 2016?

True or false
Advanced mobile money usage increased between 2015 and 2016.
True or false
Which demographic group was least likely to own a bank account in 2016?