Creating shared value for all

Promoting digital and financial inclusion across Africa and the Middle East requires effective and innovative collaboration between governments, the private sector and all other players in society.

We offer fintech and digital solutions that pave the way for individuals’ and businesses’ participation in economic activities. This enhances lives and boosts economic growth.

Digital access is fundamental to realising universal identification, more efficient delivery of government services, financial inclusion and job creation.

We believe that by bringing new opportunities to people previously excluded from the digital world we continue to accelerate universal, affordable and good quality internet access for all.


We intend to create sustainable economic value through our core business to the benefit of our customers and society at large. To meet these objectives, we have clearly defined strategies, approaches and positions that guide us in creating value for all.

Digital inclusion PDF - 742.41 KB

Fostering digital inclusion supports future economic growth…

Connecting the unconnected PDF - 341.08 KB

We believe everyone deserves the benefits of a modern connected life…

Financial inclusion PDF - 293.18 KB

Over the past 10 years, mobile money has transformed the face…

Digital and financial solutions to bridge the digital divide

We are accelerating digital and financial inclusion by connecting the unconnected, we seek to bridge the digital divide through our CHASE framework addressing society’s barriers to internet and mobile adoption. We actively address key barriers such as coverage, handsets, affordability, service bundling, education and ease of access.

Technology has provided the opportunity to “leapfrog” traditional financial service solutions. This rapidly growing industry has accelerated financial inclusion, which is a potent enabler of socio-economic development which empowers the most vulnerable in society. Our goal is to create a digital marketplace to accelerate economic and social development through digital disruption.

Fostering digital inclusion supports future economic growth and empowers people, including vulnerable groups such as women and youth. We are building a digital ecosystem centred around advanced messaging, local language content, expanding communities and unlocking opportunities for greater financial inclusion.

VIVACOM enables small and medium enterprises to grow and digitally transform their businesses for the benefit of broader society. VIVACOM’s committed to ushering these businesses into an unprecedented convergence of people, business and things. This affords these businesses the opportunity to disrupt and challenge the status quo of current business models, by driving them into a space of digital inclusion.

Further reading