Fourth Industrial Revolution

How investing in connectivity and digital infrastructure can be a catalyst for inclusion and empowering people

Abstract globe with lights and networks. Digital divide

A digital divide exists across the world and bridging it will empower many people. Image: Getty Images/imaginima

Harrison Lung
Group Chief Strategy Officer, e&
  • Despite significant advancements in technology, many people, particularly in developing countries, lack access to the internet.
  • Affordable and accessible internet access can help people and communities improve their lives, contributing to a more equitable and sustainable future.
  • Connectivity infrastructure investments can expand broadband access, enabling digital inclusion and empowering people.

In today's interconnected world, the internet and mobile connectivity have emerged as powerful tools for human empowerment. Beyond simply connecting people, these technologies are pathways to education, healthcare and economic opportunities. From rural villages to bustling cities, the digital revolution is transforming lives, breaking down barriers and fostering a more inclusive and equitable society.

The digital divide remains a persistent challenge, however. Despite significant advancements in technology and connectivity, many people – particularly those in developing countries and marginalized communities – still lack access to the internet and digital tools. This digital divide can exacerbate existing inequalities, limiting opportunities for education, employment and social participation.

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Fixed-broadband services accounted for more than 80% of global internet traffic in 2023 but in low-income countries there was only one fixed-broadband subscription per 100 people due to high prices and a lack of infrastructure. In high-income countries, in contrast, the fixed broadband subscription rate was 39 per 100 people in 2023.

Despite this disparity in fixed-broadband subscriptions, mobile phone ownership is at an all-time high with 78% of people aged 10 and over globally owning a mobile phone in 2023. On average, in every region and every income group, the percentage of individuals with a mobile phone is greater than the percentage of internet users. However, the digital divide persists even here: low-income countries have only 33 active mobile-broadband subscriptions per 100 people versus 148 per 100 people in high-income countries.

These facts and figures add up to a stark inequality in access to reliable internet, illustrating the need for affordable and accessible connectivity. This is especially true when you consider that, while 89% of people in high-income countries are covered by 5G networks, the technology is nearly absent in low-income countries. In these places, 3G may be the only available option to connect to the internet, but it is insufficient for broadband-intensive applications like telemedicine and online learning. Even 4G, which significantly enhances connectivity, remains out of reach for more than 60% of the population in low-income countries.

Connectivity and financial inclusion in Pakistan

With affordable, accessible digital network access and services, people and communities can overcome challenges, improve their lives and contribute to a more equitable and sustainable future. The overall prosperity that comes from enabling more people to engage in economic activities as a result of having internet access can have a lasting benefit.

In Pakistan, for example, where 79% of the population lacks access to financial services, e& has brought fiber broadband to over one million homes and aims to add millions more in the next three to five years. Our 4G mobile network is also available to 28 million subscribers in Pakistan. This is a crucial enabler for essential digital services and for integrating communities into the digital economy, allowing people to connect to essential financial tools.

Previously excluded Pakistanis can now build a brighter future by accessing microloans, savings products and digital financial services, for example. U Microfinance Bank, e&’s subsidiary in Pakistan, has grown its loan portfolio five times in the past five years. It has provided financial services to over 400,000 loan clients through a network of more than 375 branches, primarily in rural areas, while also offering digital banking solutions via its app.

As the world pursues the UN Sustainable Development Goals, it's important to prioritize the human element. Consider the profound impact this solution can have on people that were previously excluded from traditional banking. A fruit merchant, for example, could secure funding for a commercial vehicle with a repayment plan that fits their circumstances. This provides a practical route to vehicle ownership – most importantly, without the risks of predatory lending.

Collaborating to bridge the digital divide

This spirit of empowerment is echoed in a partnership between the United Nations Development Programme (UNDP) and e& that aims to harness digital technologies for sustainable development in the Arab States region. The Digital for Sustainable Development (D4SD) initiative seeks to bridge the digital divide by advancing the economy with a focus on micro-, small- and medium-sized enterprises – aligning technological progress with human-centered solutions.

The digital divide is a stark reminder of the disparities in our interconnected world. But it can be overcome by investing in infrastructure, expanding connectivity and empowering people with digital tools. Initiatives by companies with global reach and resources are crucial to unlocking the full potential of digital technologies. By focusing on the tangible benefits of bridging the digital divide for people and their communities, we can inspire collective action and drive progress toward a world where everyone, regardless of their location or background, can thrive.

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