{"id":17869,"date":"2026-06-23T16:16:39","date_gmt":"2026-06-23T14:16:39","guid":{"rendered":"https:\/\/wipconsulting.it\/?p=17869"},"modified":"2026-06-23T16:16:39","modified_gmt":"2026-06-23T14:16:39","slug":"il-kenya-leader-nei-pagamenti-cashless","status":"publish","type":"post","link":"https:\/\/wipconsulting.it\/en\/il-kenya-leader-nei-pagamenti-cashless\/","title":{"rendered":"Il Kenya, leader nei pagamenti cashless"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Abbiamo raccontato delle necessit\u00e0 primarie derivanti dall\u2019incremento demografico nel Continente, fabbisogni che le finanze di numerose amministrazioni locali non risultano in grado di soddisfare. Tale dinamica alimenta nell\u2019opinione pubblica la percezione di un\u2019area geografica strutturalmente impossibilitata a risolvere le proprie criticit\u00e0, omettendo tuttavia di considerare come queste ultime siano la diretta conseguenza di una crescita della popolazione costante, aggravata da ricorrenti conflitti bellici e calamit\u00e0 naturali che interessano il territorio.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Parallelamente, si rilevano aspetti peculiari delle economie africane che risultano sovente poco indagati. Tra questi, emerge il rapido sviluppo del comparto digitale, il quale concorre per il 75% alla formazione del PIL continentale e garantisce occupazione a circa otto milioni di addetti. La copertura della rete internet in Africa ha raggiunto l\u201986% della popolazione; nello specifico, le infrastrutture 4G servono il 70% degli abitanti, mentre la tecnologia 5G presenta una diffusione ancora limitata, attestandosi al 10%.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Nonostante la rilevante estensione dei servizi, il 40% della popolazione non usufruisce della connessione internet a causa degli elevati costi di accesso o della collocazione in aree rurali prive di infrastrutture di rete, condizione che interessa il 20% dei casi.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Un dato di particolare rilevanza \u00e8 costituito dalla capillare diffusione degli utenti internet tramite dispositivi mobili, stimata in circa 550 milioni di unit\u00e0, unitamente all&#8217;adozione pervasiva di servizi fintech &#8220;cashless&#8221; per la regolazione delle transazioni commerciali. La societ\u00e0 kenyota SafariCom ha promosso tale trasformazione digitale, originatasi in Kenya e successivamente estesa con rapidit\u00e0 a tutta l&#8217;Africa Orientale, per poi essere recepita nelle diverse regioni del Continente. Il fulcro di tale ecosistema \u00e8 rappresentato da M-Pesa, piattaforma di pagamenti elettronici nata per il trasferimento di valuta tramite SMS ed evolutasi in molteplici applicazioni, tra cui Lipa Na M-Pesa, specifica per le transazioni d&#8217;affari, e M-Pesa Global Pay. Quest&#8217;ultima, sviluppata in collaborazione con VISA, consente di effettuare acquisti online a livello internazionale attingendo direttamente alle disponibilit\u00e0 del conto dell&#8217;applicazione. In tale sistema, l&#8217;utenza telefonica assolve la funzione di conto corrente, prescindendo da supporti fisici o dall&#8217;intermediazione degli istituti bancari tradizionali. Tale modalit\u00e0 di pagamento registra un impiego crescente per il saldo di utenze e trasporti pubblici in nazioni quali Kenya e Tanzania, con una rapida penetrazione nei mercati di Nigeria, Ghana e Costa d&#8217;Avorio.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong><em>Contenuti protetti da copyright\u00a9. \u00c8 vietata la riproduzione, anche parziale, del testo con qualsiasi mezzo, senza autorizzazione.<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Abbiamo raccontato delle necessit\u00e0 primarie derivanti dall\u2019incremento demografico nel Continente, fabbisogni che le finanze di numerose amministrazioni locali non risultano in grado di soddisfare. Tale dinamica alimenta nell\u2019opinione pubblica la percezione di un\u2019area geografica strutturalmente impossibilitata a risolvere le proprie criticit\u00e0, omettendo tuttavia di considerare come queste ultime siano la diretta conseguenza di una crescita [&hellip;]<\/p>\n","protected":false},"author":27,"featured_media":17871,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[39],"tags":[],"class_list":["post-17869","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-globalcom"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Il Kenya, leader nei pagamenti cashless - WIP Consulting | Consulenza strategica<\/title>\n<meta name=\"description\" content=\"Africa digitale: internet, fintech e mobile money rivoluzionano pagamenti, inclusione e crescita economica.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wipconsulting.it\/en\/il-kenya-leader-nei-pagamenti-cashless\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Il Kenya, leader nei pagamenti cashless - 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