For many Tanzanians, particularly in rural communities, financial services have long been out of reach. But that is changing. An example of this is our partnership with the Tanzania Social Action Fund (TASAF) in which Airtel Money facilitates the disbursement of welfare payments to underserved households. This partnership relies on our extensive agent infrastructure and ensures that more people are able to access funding directly into their accounts. To date, we have helped the TASAF disburse the equivalent of $3.7m in welfare payments to families that need it most.

Our Kikoba product digitises Tanzania's trusted community savings model, giving groups the security and transparency that cash can't provide. In 2025/26, active savings groups grew 85% to over 70,700. Total collections reached an equivalent of $4.1m — a 184% increase year on year — and assets under management grew 98%.

Kamilisha, our flagship mobile overdraft product, gives people the financial flexibility they need. Whether that is to manage day-to-day expenses, cover school fees or manage unexpected costs. In 2025/26, issued loans grew by 63% and disbursement value rose by 98%, with 5.7 million customers now able to access credit – evidence of rapidly growing trust in digital credit.

In Tanzania, 49.5% of Airtel Money customers are women, among the highest across the Group, and up from 47.7% from the previous reporting year. This has been achieved through targeted initiatives, including an impact lending programme designed specifically to address the challenges faced by women-led small and medium sized enterprises in Tanzania. In addition, our women's financial literacy and inclusion programme, launched in partnership with I&M Bank in 2025, is giving women the knowledge and confidence to thrive.