{"id":381227,"date":"2026-02-03T10:57:01","date_gmt":"2026-02-03T09:57:01","guid":{"rendered":"https:\/\/www.afis.africa\/?p=381227"},"modified":"2026-02-03T16:13:12","modified_gmt":"2026-02-03T15:13:12","slug":"5th-edition-of-the-african-financial-industry-barometer-profitability-and-cybersecurity-at-the-heart-of-priorities","status":"publish","type":"post","link":"https:\/\/www.afis.africa\/en\/5th-edition-of-the-african-financial-industry-barometer-profitability-and-cybersecurity-at-the-heart-of-priorities\/","title":{"rendered":"5th edition of the African Financial Industry Barometer – Profitability and cybersecurity at the heart of priorities"},"content":{"rendered":"\t\t
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After several years of sustained expansion and accelerated digital transformation, the African financial industry has decisively entered a phase of streamlined growth. The fifth edition of the African Financial Industry Barometer, produced by Deloitte<\/a> and the Africa Financial Summit – AFIS<\/a>, is based on a survey conducted between May and September 2025 among executives from more than 70 institutions (banks, insurance companies, fintechs, microfinance institutions, and capital markets) across the continent. <\/span>\u00a0<\/span><\/p>

The results are clear: the sector is returning to fundamentals and making profitability, cybersecurity, and operational efficiency the new pillars of its development model. <\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Confidence at an all-time high, <\/span>boosted<\/span>\u00a0by\u00a0<\/span>disinflation<\/span>\u00a0<\/span><\/span>\u00a0<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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In 2025, executives rate their organization’s three-year economic outlook at 8\/10, up 0.72 points from 2024, with 74% optimistic and only 4% negative. This renewed confidence is driven by slowing inflation, improved operational visibility, and sustained commercial momentum.\u00a0 <\/span>\u00a0<\/span><\/p>

Microfinance institutions show the highest level of confidence with a score of 9\/10, ahead of insurance companies (8.35\/10), while\u00a0fintechs\u00a0normalize their expectations for the economic outlook to 8.33\/10 after peaking at 9.25\/10 in 2024. Pan-African groups show\u00a0a high level\u00a0of confidence (8.44\/10), while international players (7.82\/10) and capital market players (7.5\/10) remain more cautious in a context of prolonged volatility.<\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t

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The African financial sector has entered a phase of maturity. Confidence is high, fundamentals are strengthening, and continental integration is becoming a reality. The remaining challenges, cybersecurity, data\u00a0<\/span>quality,<\/span> and availability, and interoperability are those of an ecosystem that is being built, not defended. The ongoing consolidation is paving the way for stronger, more sustainable, and decidedly more inclusive growth.<\/span><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t

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Ambroise Depouilly \u00a0 \u00a0 \u00a0 \u00a0<\/strong><\/p>

Managing Partner, Deloitte Afrique francophone<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Focus on\u00a0<\/span>profitability<\/span>\u00a0and\u00a0<\/span>operational<\/span>\u00a0<\/span>efficiency<\/span><\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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In 2025, profitability was the strategic priority for 46% of the institutions surveyed, signaling a transition to a phase of maturity after several years of sustained expansion. Three levers now dominate transformation plans: financial performance (84%), customer experience (85%), and digital transformation (81%), all of which are up from 2024. <\/span>\u00a0<\/span><\/p>

This strategy is reflected in improved fundamentals: net operating margin is up for 69% of players, return on equity (ROE) for 57%,\u00a0and\u00a0return on assets (ROA) for 58%, despite persistent pressure on asset quality and risk costs. Operational efficiency declined by 6 points, with 54% of institutions reporting an improvement, illustrating the growing complexity of cost control (talent, technology, compliance) in a more constrained economic environment.<\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Cybersecurity<\/span>:\u00a0<\/span>from<\/span>\u00a0a\u00a0<\/span>technical<\/span>\u00a0issue to a\u00a0<\/span>systemic<\/span>\u00a0<\/span>risk<\/span><\/span>\u00a0<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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58% of institutions report a high or\u00a0very high\u00a0level of exposure to strategic and regulatory risks. At the same time, 51% rank cybersecurity among their main concerns, compared to 39% in 2024.<\/span>\u00a0<\/span><\/p>

In\u00a0terms\u00a0of\u00a0desired\u00a0regulatory\u00a0changes,\u00a0cybersecurity\u00a0tops the\u00a0list\u00a0of expectations for 97% of\u00a0respondents,\u00a0ahead\u00a0of digital identification (92%) and the\u00a0fight\u00a0against\u00a0illicit\u00a0flows (87%, +18 points\u00a0compared\u00a0to 2024).\u00a0While\u00a065% to 70% of institutions\u00a0already\u00a0have\u00a0fully\u00a0operational\u00a0prevention,\u00a0detection, and\u00a0response\u00a0systems\u00a0in place, the\u00a0Barometer\u00a0highlights the\u00a0investments\u00a0that\u00a0still\u00a0need\u00a0to\u00a0be\u00a0made in the\u00a0sector:\u00a0investments\u00a0have\u00a0so\u00a0far\u00a0focused\u00a0heavily\u00a0on\u00a0detecting\u00a0cyberattacks, but\u00a0remediation\u00a0capabilities\u00a0are\u00a0still\u00a0limited. The transition\u00a0from\u00a0real-time identification to\u00a0resilience\u00a0is\u00a0the\u00a0next\u00a0challenge.<\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t

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This Barometer highlights\u00a0<\/span>a very clear<\/span>\u00a0return to fundamentals in the African financial industry. Faced with a more constrained environment, executives are refocusing their priorities on financial performance and operational efficiency, which are once again becoming the sector’s true strategic compass.<\/span><\/span><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t

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Fr\u00e9d\u00e9ric Maury\u00a0<\/strong><\/p>

Deputy CEO Event, Jeune Afrique Media Group<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Digital and\u00a0<\/span>AI:<\/span>\u00a0<\/span>from<\/span>\u00a0a\u00a0<\/span>competitive<\/span>\u00a0<\/span>advantage<\/span>\u00a0to a\u00a0<\/span>prerequisite<\/span><\/span>\u00a0<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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54% of the institutions\u00a0surveyed\u00a0now\u00a0consider\u00a0themselves\u00a0digitally\u00a0mature, up 6 points\u00a0from\u00a02024.\u00a0Fintechs\u00a0remain\u00a0at the\u00a0forefront\u00a0(67% in the Leaders position), but\u00a0insurance\u00a0companies\u00a0have made the\u00a0most\u00a0significant\u00a0progress,\u00a0with\u00a059% of\u00a0players\u00a0in an\u00a0advanced\u00a0position (12% Leaders and 47%\u00a0Potentials), up 19 points\u00a0compared\u00a0to 2024.\u00a0<\/span>\u00a0<\/span><\/p>

Artificial intelligence is primarily seen as a lever for risk management: 77% of institutions\u00a0anticipate\u00a0a strong or transformative impact of AI on fraud detection, 70% on credit risk analysis, and 70% on operational process optimization. Personalization of offers (72%) and chatbots (68%) complete the main use cases, combining operational efficiency and commercial conquest.<\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Continental\u00a0<\/span>integration<\/span>:\u00a0<\/span>interoperability<\/span>\u00a0<\/span>accelerates<\/span>, PAPSS\u00a0<\/span>confirms<\/span>\u00a0<\/span>its<\/span>\u00a0<\/span>potential<\/span><\/span>\u00a0<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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PAPSS stands out as the\u00a0most\u00a0operational\u00a0continental\u00a0integration\u00a0initiative:\u00a035% of institutions rate\u00a0it\u00a0as\u00a0highly\u00a0operational\u00a0(+15 points vs. 2024),\u00a0with\u00a0measurable\u00a0gains in\u00a0costs\u00a0(25%) and\u00a0settlement\u00a0times (23%) for intra-African\u00a0payments.\u00a0<\/span>\u00a0<\/span><\/p>

The\u00a0interoperability\u00a0of\u00a0payment\u00a0systems\u00a0is\u00a0identified\u00a0as the\u00a0priority\u00a0transformation by 2030 by 28% of\u00a0respondents,\u00a0driven\u00a0by the ambition to\u00a0decompartmentalize\u00a01.6 billion\u00a0accounts\u00a0(banking\u00a0+ mobile money\u00a0combined).<\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Financial inclusion and\u00a0<\/span>ESG:<\/span>\u00a0<\/span>from<\/span>\u00a0<\/span>declarative<\/span>\u00a0<\/span>logic<\/span>\u00a0to a\u00a0<\/span>pragmatic<\/span>\u00a0<\/span>approach<\/span><\/span>\u00a0<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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Financial inclusion is a strategic pillar for only 39% of institutions, driven by microfinance institutions (100%) and fintechs (67%), while insurance companies are strongly repositioning themselves in underpenetrated segments, particularly through partnerships with telecom operators and microfinance institutions. <\/span>\u00a0<\/span><\/p>

Regarding\u00a0ESG, the Barometer reveals a phase of pragmatic engagement: impact investing\u00a0remains\u00a0the most structured dimension (66% engagement), while the integration of ESG criteria has fallen to 57% and institutions are focusing their efforts on areas with a rapidly measurable impact. Gender parity is making\u00a0significant progress, with 47% of institutions having already implemented gender parity policies in their teams and 44% having dedicated reporting on gender indicators.<\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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of executives express confidence in the economic outlook.<\/div>\t\t\t
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rank cybersecurity among their top concerns.<\/div>\t\t\t
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think AI will have a transformative impact on fraud detection.<\/div>\t\t\t
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of institutions surveyed make profitability their strategic priority.<\/div>\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tDownload the full Barometer now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Download the full Barometer now After several years of sustained expansion and accelerated digital transformation, the African financial industry has decisively entered a phase of streamlined growth. The fifth edition of the African Financial Industry Barometer, produced by Deloitte and the Africa Financial Summit – AFIS, is based on a survey conducted between May and […]<\/p>\n","protected":false},"author":5,"featured_media":381228,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[90],"tags":[],"class_list":["post-381227","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-barometer"],"acf":[],"yoast_head":"\n5th edition of the African Financial Industry Barometer - Profitability and cybersecurity at the heart of priorities - The African Financial Summit Platform<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.afis.africa\/en\/5th-edition-of-the-african-financial-industry-barometer-profitability-and-cybersecurity-at-the-heart-of-priorities\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5th edition of the African Financial Industry Barometer - Profitability and cybersecurity at the heart of priorities - The African Financial Summit Platform\" \/>\n<meta property=\"og:description\" content=\"Download the full Barometer now After several years of sustained expansion and accelerated digital transformation, the African financial industry has decisively entered a phase of streamlined growth. 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