BY INVITATION ONLY

10DX SUMMIT TANZANIA EDITION

Tanzanian banking is being reshaped by platforms that did not start as banks.
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Mobile money and telco-led services now operate at national scale — 68 million subscriptions and growing, with TZS 18 trillion flowing through mobile wallets in a single month by mid-2025.

What began as payment wallets are evolving into platforms offering virtual cards, credit, and everyday financial services. Telcos and mobile platforms are extending bank-like capabilities directly to consumers and merchants, while mobile lending apps have become the most common source of credit by number of borrowers — overtaking traditional banks. At the same time, the Bank of Tanzania’s Regulatory Sandbox, launched in 2025, is opening space for financial models not fully covered by existing frameworks.

For Tanzania’s 45 licensed banks, the question is no longer how to digitise — but whether they remain the primary financial interface, or become the infrastructure behind someone else’s platform.

10DX Summit Tanzania convenes senior banking and technology leaders in Dar es Salaam for a candid discussion on where Tanzanian banking actually stands — the competitive pressures, regulatory direction, and strategic choices now in front of bank leadership.

5 May 2026. Dar es Salaam.

2026 AGENDA

Sessions are designed for moderated dialogue between banking leaders and selected industry partners.

0800 - 0900

Registration

0900 - 0905

Opening Remarks

0905 - 0935

Mapambano ya Kidijitali: When Super Apps Come for Your Customers

M-Pesa, Tigo Pesa and Airtel Money aren't coming for bank customers — they already have them. 68 million mobile money subscriptions versus a fraction in active bank relationships. Telcos own the daily interaction, the transaction data, the credit decision. Banks hold the licence and the deposits. The question: when the telco no longer needs bank rails, what does a bank offer?

TZS 18 trillion flowed through mobile wallets in a single month. If banks vanished from daily transactions, how long would customers take to notice?
Telcos are issuing virtual cards and extending credit directly. At what point does a banking licence stop being protection?
72% of adults use mobile money but only 22% use banking services. Is the battle for savings, credit and wealth being lost?
Where can banking-as-a-service platforms and API partnerships help banks compete when telcos move lighter on compliance?

0935 - 0950

Lightbulb Moments

0950 - 1020

Mkopo Bila Karatasi: Rethinking How Tanzania Lends and Borrows

Mobile lending apps have become Tanzania's most common source of credit by number of borrowers — overtaking banks. One in three adults borrowed in the past year, and the phone is increasingly the first port of call, not the branch. Fintechs approve loans in seconds using data banks already hold but don't use. The question is how much margin was already lost while the strategy was still being debated.

What alternative data and credit decisioning partnerships can accelerate loan approval when legacy systems create delays?
BoT's Regulatory Sandbox is in its second cohort. Which new lending models should worry incumbents — and which should they build?
BNPL is growing fast across Africa. Are Tanzanian banks ready to compete, or is another revenue line about to walk out the door?
Fintechs win on speed, banks win on trust. Can open APIs and data partnerships close the gap on both?

1020 - 1035

Lightbulb Moments

1035 - 1105

Networking Break

1105 - 1135

Data ni Dhahabu: Turning Tanzania's Transaction Goldmine into Smarter Banking

Telco partners know more about bank customers than most bank data teams do. That's not a market trend — that's a failure of investment. Millions of transactions flow daily but the CBS says one thing, the mobile app says another and the call centre sees a third. BoT's 2025 Cloud Computing Guidelines now require mission-critical systems and customer data to be hosted in Tanzania. The banks that fix their data plumbing first will win.

What data integration platforms and partnerships deliver realistic roadmaps when core systems are fragmented and budgets are tight?
BoT's 2025 Cloud Guidelines require local hosting of mission-critical data. How many banks are actually compliant today?
Telcos know customer spending patterns better than most banks do. What does that say about where the investment has gone?
Before chasing AI, what basic data hygiene needs fixing first — deduplication, standardisation, single customer views?

1135 - 1150

Lightbulb Moments

1150 - 1220

Ulinzi wa Mtandao: The Fraud Epidemic Inside Tanzania's Digital Boom

Financial fraud losses continue to climb — topping TZS 5.3 billion in 2024 with less than five per cent recovered. The vast majority of cases were mobile transactions. Attempted fraud surged in 2025 before falling after the national Sitapeliki awareness campaign. The methods haven't changed: SIM swaps, social engineering, insider collusion. The question is whether the industry can move faster than the criminals.

Most fraud hits mobile channels — the same ones most customers access via USSD. How do you secure what you don't fully control?
Sitapeliki cut fraud attempts after a sharp 2025 spike. Can awareness campaigns sustain results without structural fixes?
Less than five per cent of stolen funds were recovered last year. Where is the failure — detection, response or prosecution?
Which fraud intelligence sharing platforms and authentication partnerships enable coordination across banks and telcos?

1220 - 1235

Lightbulb Moments

1235 - 1305

Huduma Kwa Wote: Reaching the 25 Million Tanzanians Still Locked Out of the System

85% of urban Tanzanians have financial access, compared to 55% in rural areas. Agent networks were meant to close the gap, yet most still only handle cash-in, cash-out. Women make up half the market but receive just 7.7% of fintech funding. This is no longer an access problem. It’s an execution and product design problem. The infrastructure and customers exist. The question is whether the industry is building for them.

Agent networks cover the country but most just do cash-in, cash-out. When do they start delivering actual financial services?
Women are half the addressable market but a fraction of product design. What's actually working in women-focused finance?
Rural customers need savings, credit and insurance — not just wallets. Who's building products for the village, not just the city?
How do institutions build sustainable financial inclusion models when budget allocation doesn't match strategic commitment?

1305 - 1310

Closing Remarks

1310 - 1430

VIP Networking Lunch

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