Understanding digital wage payments in Africa: How machine learning predicts ones chances of receiving wages digitally

Digital wage payments have been shown to be a driver of both financial inclusion and financial health. While it has become the norm for people in developed economies to receive their wages digitally, this is not the prevailing situation in the majority of developing economies. In Africa, where employment is mainly in an informal sector that largely relies on cash payments, the adoption of digital wage payments holds immense potential for improving financial inclusion and health. This article explore how machine learning predicts the likelihood of individuals in Africa receiving their wages digitally.

• Date: 16/03/2026
• Sector: Any
• Topics: Digital technology, Inclusive finance
• Regions: Africa
• Resource type: Insights from partners
• Institutions: African Institute for Mathematical Sciences (AIMS)