Chad remains one of the least banked countries in the CEMAC region, with only 7% of the population accessing formal financial services. The reliance on cash-based transactions and informal systems, such as hawala networks, underscores the challenges facing Chad’s financial inclusion agenda. Rural communities are particularly underserved, with limited banking infrastructure outside urban centers.

The National Financial Inclusion Strategy (2019-2024) marks an important step toward addressing these gaps. However, infrastructure constraints, low financial literacy, and trust deficits remain barriers to digital transformation. Mobile money platforms have emerged as a key alternative to traditional banking, but open banking adoption is unlikely in the near term due to these structural challenges.