Across sub-Saharan Africa, small and medium-sized enterprises are at the heart of the economy – and at the leading edge of the transition to a digital financial ecosystem. We're expanding our merchant network and the range of payment options available to customers, making transactions easier and further reducing the need for cash. 

At the same time, we're equipping merchants with tools that help them manage and build their businesses. Our improved proprietary merchant app gives users the ability to digitally track transactions and cash flow, accept payments with ease. As a result, merchant and billers total processed value for the year ended 31 March 2026 increased by 44% in constant currency  – advancing digital and financial inclusion while laying the foundations for long-term sustainable growth.

This growth reflects our continued expansion of the financial ecosystem. The use cases for Airtel Money include overdrafts, term loans, savings products and a virtual global pay card which all contribute to increased engagement.

We also continue to enhance MyAirtel app, which provides an intuitive digital interface that future-proofs the way customers access our services. The app's streamlined user experience presents available products clearly and simply, allowing customers to browse the full range of offerings. Personalised rewards further drive increased engagement on the platform. As a result, we have seen an ARPU increase of 5.6 times for customers migrating from a USSD platform to MyAirtel app in our top 6 markets. MyAirtel app transacting customers increased by 74% in 2025/26. Smartphone penetration of our Airtel Money customer base increased 3.8% to 51.7%.