Nov 14, 2025

This report delivers data-driven insights into how Artificial Intelligence (AI), with a particular focus on Generative AI (GenAI), is transforming Africa's payments and E-Commerce sectors. It examines adoption trends, sectoral value potential, governance challenges, and workforce readiness across key markets. AI adoption in Africa's payments and E-Commerce markets in 2025 is expanding rapidly, unlocking multi-sector value potential, while governance gaps and workforce shortages constrain inclusive scaling. AI progress accelerates, yet readiness gaps persist AI adoption is expanding across Africa through strategic policies, new infrastructure, and collaboration between public and private sectors. By 2025, more than 75% of young Africans used AI tools weekly, reflecting strong engagement and digital readiness. Still, fragmented data, weak infrastructure, and talent shortages slow progress, with leading markets like Nigeria, South Africa, and Egypt driving growth while others fall behind. Payments and commerce drive AI-led innovation Fintech and E-Commerce are leading AI integration, applying Generative AI in fraud detection, automation, and personalized customer experiences. Rising transaction costs and demand for inclusion are boosting the use of AI-powered payment tools and digital assets. In retail, AI supports conversational shopping and supply chain insights, though scaling remains limited by infrastructure and data gaps. Sector growth outpaces regulatory readiness AI is advancing across banking, retail, telecom, and insurance, improving operations and compliance. Yet governance frameworks trail behind, with few countries adopting comprehensive AI regulations. Early steps like national councils and Data Embassies mark progress, but persistent concerns over bias, cybersecurity, and ethics highlight the need for stronger oversight. Key Questions Answered What were the top AI adoption barriers in Africa in 2025? What share of Nigerians used Generative AI in 2025? Which sectors led AI use cases in Africa in 2024? What share of Egyptians trusted AI to protect data in 2024? What was the dominant type of AI used in Africa in 2024? Country Profiles Egypt: Public Understanding, Trust in AI Companies and Data Protection Concerns Egypt: Public Trust in AI Fairness, Reported Daily Life Impact, and Expectations for Future Change Egypt: Awareness of AI, Product Knowledge, and Job Impact Expectations Nigeria: AI Adoption, Trust, Workplace Use, Benefits vs. Risks, and Views on Regulation Nigeria: AI Adoption Patterns, Ecosystem Growth, and Regulatory Fragmentation South Africa: Public Use, Trust, Regulation, and Workplace Adoption of AI South Africa: AI Strategy Adoption, Productivity Expectations, Governance Gaps, Talent Shortages Kenya: Perceived Importance of AI, Public Support for Adoption, and Confidence in AI Views Ghana: Surveyed CEOs Highlight Strong GenAI Gains in Efficiency, Revenue, and Profitability Companies Featured Tala Jumo Kudi.ai Absa Group Flutterwave EcoCash M-Pesa TradeDepot Zendawa FarmAdvice Crop2Cash Logidoo Kitovu Viamo Digital Green Safaricom Key Topics Covered: 1. Key Takeaways 2. Management Summary 3. AI Adoption Landscape & Regional Patterns 3.1. Africa: Adoption Benchmarks 3.1.1. Regional 3.1.2. Country Spotlights 3.2. Seller Segmentation & Barriers 3.2.1. Regional 3.2.2. Country Spotlights 4. Functional Use Cases & Economic Impact 4.1. E-Commerce Seller Operations 4.1.1. Regional 4.1.2. Country Spotlights 4.2. Payments & FinTech Use Cases 4.2.1. Regional 4.2.2. Country Spotlights 5. Risk Management, Trust & Security 5.1. Fraud & Threat Trends 5.2. Detection Tools & Risk Models 5.3. Trust & Readiness 5.3.1. Regional 5.3.2. Country Spotlights 5.4. Regulation & Compliance 5.4.1. Regional 5.4.2. Country Spotlights 6. Competitive Landscape & Strategic AI Movement 6.1. Market Scale & Activity 6.2. Strategic Moves by Key Players 6.2.1. Regional 6.2.2. Country Spotlights 7. AI Governance, Regulation & Innovation Enablers 7.1. Regional Public & Private Sector AI Initiatives 7.1.1 Regional 7.1.2 Country Spotlights 7.2. Regional AI Innovation Frameworks 8. Country Profiles For more information about this report visit https://www.researchandmarkets.com/r/1wv13b About ResearchAndMarkets.com ResearchAndMarkets.com is the world's leading source for international market research reports and market data. We provide you with the latest data on international and regional markets, key industries, the top companies, new products and the latest trends. View source version on businesswire.com: https://www.businesswire.com/news/home/20251114518184/en/ Contacts ResearchAndMarkets.com Laura Wood, Senior Press Manager press@researchandmarkets.com For E.S.T Office Hours Call 1-917-300-0470 For U.S./ CAN Toll Free Call 1-800-526-8630 For GMT Office Hours Call +353-1-416-8900