Many initiatives have been undertaken on the African continent to promote the financial inclusion of the population. Financial institutions are now anticipating the banking of certain socio-professional groups that were previously far from the banking world.

The average banking rate in Africa has increased from 5.7% to 15.7% in ten years. At the local level, this rate rises to 60% in Tunisia and 45% in Morocco, thus testifying to the inequalities within the continent. The majority of countries have therefore implemented concrete actions to accelerate financial inclusion, supported by global organizations such as the World Bank. Access to basic financial services for all (accounts, payments, savings) and the granting of financing (micro-credits) with real-time decision-making processes are significant examples. Beyond the strictly financial framework, it is a key factor in social inclusion by facilitating people's access to employment, housing or education.

African banks inevitably need to equip themselves with digital solutions and technologies, not only to manage the volume of interactions with their customers but also to meet the real demands of the market. There are now many digital solutions that banks can use to improve their offers and guarantee a quality customer experience.

Artificial intelligence makes it possible to manage decision-making related to loan applications based on a highly industrialized scoring mechanism. It is thus possible to control risks while guaranteeing real-time service.