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La economía de la RD del Congo se caracteriza por una acentuada exclusión financiera, cuyas razones son- Limitaciones de desarrollo e infraestructuras;- Los ingresos limitados y las necesidades sustanciales deben cubrirse de forma prioritaria;- Desconocimiento de los productos y servicios financieros (sobre todo de los seguros y el dinero móvil);- La base de clientes de los proveedores de servicios financieros y comerciales es limitada para apoyar el despliegue de puntos de venta e infraestructuras, y el coste de los productos y servicios financieros es elevado.