From Pixels to Progress: Revolutionizing Public Service and Financial Access Through Digitalization

Michael Saffa (), Peter Wankuru (), Rosalind Mowatt () and Saanya Jain ()
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Michael Saffa: World Bank
Peter Wankuru: IMF
Rosalind Mowatt: International Monetary Fund, Institute for Capacity Development
Saanya Jain: IFC

Chapter Chapter 3 in Navigating Economic Storms and Emerging from Fragility, 2026, pp 25-38 from Springer

Abstract: Abstract This chapter highlights the positive strides Sierra Leone has made in digitalization, particularly in government operations and digital financial services (DFS). Digitalization has significantly improved efficiency, transparency, and effectiveness in public financial management, as well as enhanced service delivery in critical sectors such as health, education, and agriculture. Additionally, the wider adoption of DFS has the potential to further increase payment ease and speed while also enhancing financial inclusion across the country. However, despite these promising developments, several challenges must be addressed to accelerate digitalization. These include low quality of service, legal and regulatory hurdles, limited private sector participation, a shortage of adequate IT skills, and the absence of supportive infrastructure.

Keywords: Digital financial services (DFS); Mobile money; Internet connectivity; Public financial management (PFM); Biometric identification; Financial inclusion; Cybersecurity (search for similar items in EconPapers)
Date: 2026
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DOI: 10.1007/978-3-031-92147-6_3

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