Your mobile money history has become an asset
In Togo, interoperability has made getting paid easy. The real risk has moved elsewhere: into the mess of your statements, and into what they will fail to say about you.
Topic
Online filing, mobile money, public data: digitisation advances mostly through counters and payments. What is at stake at each step is less the tool than the data it requires — and a business that lacks it stalls at the first form.
6 articles
In Togo, interoperability has made getting paid easy. The real risk has moved elsewhere: into the mess of your statements, and into what they will fail to say about you.
In the first quarter of 2026, 10.1% of people aged 15 to 64 in Togo said they had used generative AI. The handset travels widely. The use does not. The gap closes by naming a chore.
The World Development Report 2026 holds up Novissi as an example. What worked was not the technology, it was the method. And it fits on one sheet of paper.
The OTR launched e-TPU on 17 September 2026. Filing online is sorted. The real work remains: having your numbers to hand. Four simple habits, one of which changes everything.
Artificial intelligence will not be a local copy of Western models. It will solve real problems, built by the people who live here.
The digital divide is not a question of smartphones, but of skills. What young people already have, and what is missing to accelerate.