Growing Ethiopia’s Insurance Market: From Reform to Real Impact By Abel Taddele Ethiopia’s insurance sector is at an inflection point. Premium volumes are rising, regulatory reforms are advancing, and conversations about modernisation are gaining momentum. Yet insurance penetration remains below one percent of GDP, leaving millions of households and businesses exposed to shocks that could otherwise be managed and shared. This tension between progress and persistent gaps was at the centre of the Insurance Industry

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Designing Digital Finance Markets That Work for Women By Sinidu Fekadu and Hana Hailu Ethiopia’s digital finance ecosystem is expanding rapidly. Mobile money accounts increased from 12.2 million in 2020 to 139.5 million in 2025, while mobile banking accounts rose from 9.1 million to 54 million during the same period, highlighting the scale and pace at which digital financial services are being adopted across the country (National Bank of Ethiopia, Digital Payments Strategy 2026–2030). However,

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