Bridging The Digital Gap In Somalia Through Device Financing
Somalia presents a unique and compelling paradox in the global landscape of digital
development. The nation possesses one of the world’s most active and mature mobile money
markets, which has become the de facto financial backbone of the economy in the absence of
a stable formal banking sector or reliable physical currency (GSMA, 2025; QZ, 2022). This
system, dominated by platforms such as Hormuud’s EVC Plus, Somtel’s eDahab, and Golis’
Sahal, leverages Unstructured Supplementary Service Data (USSD) technology
