Thanks to the Novissi social protection program set up by Togo, the Mobile Money penetration rate has greatly improved. The universal solidarity income is distributed to the poorest affected by the health crisis.

An analysis carried out by the World Bank on the impact of the 'Novissi' universal solidarity income program on the most vulnerable populations reveals that the penetration of mobile financial services has increased by 7% in less than a year in Togo. Mobile financial services now reach 62% of the population according to the latest national report on the evolution of regulated markets.

According to the World Bank, the program has enabled the creation of 170,278 new dematerialized accounts, between April 2020 and January 2021. The platform, which claims a total amount of 13.3 billion FCFA granted to around 820,000 people since its launch , has especially shaken up habits, transforming phones into electronic wallets, thus leading to an increase in the number of mobile money users in the country.