Core Insights - Orange has launched a new strategic plan titled "Trust the future," focusing on sustainable value creation and profitable growth, with an emphasis on cash flow generation compared to the previous plan [1][4][19] Financial Guidance - For 2026, the expected EBITDAaL is approximately 3% with an organic cash flow target of around €4 billion, and a dividend of €0.79 payable in 2027 [1][20] - By 2028, the Group anticipates EBITDAaL to grow at a CAGR of approximately 3% from 2025 to 2028, with organic cash flow reaching about €5.2 billion [1][19] - The eCAPEX/sales ratio is projected to decrease to around 14% by 2028, while maintaining a net debt to EBITDAaL ratio of approximately 2x in the medium term [1][20] Strategic Ambitions - The strategy is built around three key ambitions: Customer intimacy, Innovative growth, and Excellence at scale [4][6][19] - Customer intimacy aims to enhance relationships with the 340 million customer base, reducing churn and improving loyalty [6][10] - Innovative growth focuses on expanding profitable services beyond connectivity, targeting an additional €1 billion in revenue by 2028 [7][10] - Excellence at scale leverages the Group's size for technological leadership and operational efficiency [9][12] Market Focus - In France, the Group is transitioning to a full fiber network while implementing efficiency measures to counteract declining copper-related revenues [3][13] - The Africa and Middle East regions are expected to see high single-digit revenue growth, with a similar growth rate anticipated for EBITDAaL [14] - In Europe, low single-digit growth in service revenues and EBITDAaL is expected, with a disciplined approach to CAPEX [15] Operational Efficiency - The Group plans to achieve €1 billion in savings through enhanced operational efficiency, particularly in procurement [12] - AI deployment will be expanded across operations, targeting €600 million in value generated from AI by 2028 [12][19] Shareholder Returns - The Group is committed to maintaining an attractive remuneration policy, with a progressive dividend growth strategy and a new floor set at €0.85 for 2028 [1][20] Commitment to Society and Environment - Orange aims to extend digital trust and provide free digital training to 6 million people by 2030, while also committing to a 45% reduction in greenhouse gas emissions by 2030 [22][24]

Binance has expanded cryptocurrency services to over 30 countries in Africa, enabling users to buy digital assets through direct fiat channels and peer-to-peer trading. The expansion was announced on Oct. 28, 2025. The services support multiple payment methods including Mobile Money, bank transfers, and card payments using various local currencies. According to Binance, users can buy crypto with Kenyan shillings (KES), West African CFA francs (XOF), Central African CFA francs (XAF), Ugandan shillings (UG ...

Industry Overview - In 2024, the global mobile payment industry made significant progress, with over 2 billion registered accounts and more than 514 million monthly active accounts, reflecting a year-on-year growth of 14% and 11% respectively [26][41][46] - The industry contributed an additional $720 billion to the GDP of countries with mobile money services in 2023, representing a 1.7% increase in GDP [26][7][28] Business Growth - The transaction volume in 2024 reached approximately 108 billion transactions, with a total value exceeding $1.68 trillion, marking a 20% increase in transaction volume and a 16% increase in transaction value year-on-year [28][31] - Merchant payments accounted for the highest transaction value, surpassing international remittances, with customers paying over $100 billion to merchants via mobile money in 2024, a 21% increase from 2023 [28][31] Regional Development - Sub-Saharan Africa remains the core region for mobile payments, with over 1.1 billion registered accounts, while East Asia and the Pacific, as well as the Middle East and North Africa, are emerging as significant growth areas [9][42] - In 2024, the number of registered mobile money agents increased by 20% to 28 million, with 10 million active agents monthly, indicating improved accessibility for users [26][31] Regulatory and Policy Trends - The regulatory environment has become more favorable for mobile payment providers, with many benefiting from supportive regulations, although challenges such as fraud and cross-border data transmission remain [2][29] - Approximately 60% of mobile money providers have initiated digital skills programs to enhance financial literacy and combat fraud, which is crucial for the industry's sustainable growth [11][29] Socio-Economic Impact - Mobile payments have positively impacted financial inclusion, providing services to underserved populations and supporting sectors like agricultural insurance and renewable energy [5][2] - The gender gap in mobile money account ownership persists in eight out of twelve surveyed countries, highlighting the need for increased awareness and accessibility for women [20][29]