Financial Inclusion: Mobile money services have played a crucial role in enhancing financial inclusion, with 96% of Rwandans now being financially included. This is particularly beneficial for low-income and rural populations who may lack access to traditional banking services

Convenience and Accessibility: Mobile money allows users to perform transactions easily and quickly without needing to visit a bank. This convenience is especially important in rural areas where banking infrastructure may be limited

Adaptation to Local Needs: Service providers like MTN have invested in understanding local customer needs through market research and pilot testing, ensuring that their offerings are relevant and user-friendly