The banking penetration rate in Africa is about 20%. Making payments is a complicated issue in the continent.
Fiat money gets its power from its center, the government behind it. For the euro or the dollar, the center is strong enough to protect their users, even if wrong decisions may trigger an economical crisis, as seen not many years ago.
In other cases, political inestability may turn fiat money into something close to useless, with dramatic effects in the people living in those countries.
The ongoing, at the time of writing this, internal crisis in Zimbabwe is a good example of how fast the situation can go worse with a weak fiat coin. A masssive inflation resulting from a government decision translated into hours-long bank queues, and massively abussive commissions from the banks.
But it is also a proof that there is a solution.
In Africa, 50% of the population have access to a mobile phone, and many people from Zimbabwe used it to move their money to decentralized systems based on blockchain, mainly Bitcoin and Dash. They secured their savings against politics and abussive commissions from banks.
This can not be stressed enough. When the situation settles down, a part of the population will still have savings, having scaped from the grinding poverty they were doomed to.
And it is not an isolated case. Blockchain is starting to be an efficient tool against poverty. And it stands to logic, since it was created with that purpose in mind.