Merchant Payments Observatory
Research & Outputs
Ground-level evidence on merchant payment behaviour — who's adopting, what's blocking them, and what it means for policy and product.
Published Reports
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Understanding Ethiopia's Merchant Payment Landscape from the Ground Up
58.8% of Ethiopia's merchants now accept digital payments. But rural adoption sits at 26%, 99% of transactions flow through personal accounts, and connectivity — not cost — is the primary barrier. This report maps the full picture across readiness, adoption, provider concentration, and the structural factors shaping merchant behaviour at the last mile.