Adult population, 56M Per capita GDP Poorest 40% PPP, current international $ Income share held by 81% rural bottom 40% 9,191 21% 17% 1,500 Ethiopia Focus country Ethiopia Focus country 19% urban average average Financial account ownership, 56M adults Mobile technology penetration Own account Do not own account 97M total 22% 21% population Women Have network 79% 50% coverage l Own mobile a 19% 78% Tot Rural 28% phones Own 81% 2% smartphones MSMEs’ access to credit Share of digital Mobile-money of 2M MSMEs payments accounts 52% 48% <1% <1% of total transactions of adults No Yes by volume 39M $15B (9.9%) <$1B Individuals newly GDP boost Reduction in government included in by 2025 leakage financial system 3M $8B New jobs $15B New credit New deposits McKinsey Global Institute Digital finance for all: Powering inclusive growth in emerging economies 79 NOTE: 2014 or latest available data for all statistics except GDP boost.