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• Digital Infrastructure: Providing the foundations to reach the largest share of Africans
  A critical barrier to financial inclusion is the lack of inclusive digital infrastructure across Africa. The infrastructure required for widespread mobile connectivity and usage is integral to the uptake and use of digital financial services, especially in rural and remote areas of Africa. Equally critical for the expansion of digital financial services is financial infrastructure, like interoperable digital payment systems and distribution networks, as well as digital identification, e-commerce, Artificial-Intelligence and robust security platforms, which facilitate efficient, affordable and secure transactions, and allow for scale.
• Policy and Regulation: Supporting African regulators to create an enabling environment for financial inclusion.
  Recognising that policy and regulation are critical tools for protecting citizens and ensuring market competitiveness, ADFI is committed to invest in financial regulation and policies that keep pace with digital infrastructure improvements and technology innovations across Africa. Working with key regulatory bodies, such as central banks, competition authorities, regional economic integration bodies, and government ministries, ADFI seeks to support enabling environments for financial inclusion. Such partnerships aim to advocate for changes in policies and regulations that build capacity across the digital financial services ecosystem and address policy barriers that hinder access for women and other opportunities such as agency banking, micro loans, savings and insurance through investments. 
• Digital Products and Innovation: Leveraging technology for a more financially-inclusive Africa.
  Scaling up digital financial services innovations can help boost shared prosperity, resilience and livelihoods, unlocking multiple income and revenue opportunities and enabling financial inclusion for the underserved and excluded populations – MSMEs, youth, women, rural populations, among others. Beyond basic banking and payment solutions, digital financial solutions can provide essential tools across both financial and real sectors, facilitating the realisation of innovative use cases in the financial services, small business, agricultural, green finance, education, health, transport and energy sectors.

ADFI mainstreams capacity building and gender inclusion as cross-cutting themes across all our work:

• Capacity building: Elevating DFS stakeholder capacity to advance inclusive growth across the continent.
  A cross-cutting workstream to reinforce partners' capacities across ADFI projects, supporting awareness-raising and skill development across the digital financial ecosystem in order to stimulate innovation and digital adoption.
• Gender inclusion: Investing in inclusive DFS that will make a lasting impact on the lives of women across the continent.
  When women access digital financial services, they are able to access some of the basic tools needed to thrive in the formal economy and are better positioned to start businesses, invest in their future and provide for their families. ADFI supports initiatives that are gender-intentional or gender-transformative, that is to either to be designed to transform gender power relations and actively seek to change gender norms or to reduce the gender gap in access to digital financial solutions and resources.