Introduction

African prosperity is often measured through economic growth, investment and infrastructure. Yet these indicators do not always fully reflect people’s living conditions. Financial literacy, well-being, social cohesion and access to digital services are becoming increasingly important in African economies. The Triple-B approach, proposed by the International Organization for Economic Development (OIDE), encourages reflection on a broader understanding of prosperity. At the same time, digital wallets and blockchain technologies can create new opportunities for exchange and access to financial services, provided that an appropriate framework is in place.

A Digital Transformation Redefining Prosperity

Africa is undergoing rapid digital transformation. Mobile phones, digital payments and new financial services are gradually changing economic habits. But one question remains: how can we truly measure the prosperity of a society? Gross Domestic Product (GDP) remains an important indicator, although it does not, on its own, measure qualitative factors such as access to services, quality of life, financial knowledge or social cohesion.

Prosperity Beyond the Numbers

The Triple-B approach (Happiness, Well-Being and Benevolence), proposed by the OIDE, invites us to broaden this reflection. It considers that development can also be assessed through living conditions and relationships between individuals. This approach does not necessarily seek to replace traditional economic indicators. Rather, it proposes adding a human dimension to the analysis of prosperity. For example, a housing programme does not only provide infrastructure. It can also contribute to family stability, security and economic inclusion.

The Importance of Financial Literacy

Digital transformation also makes financial literacy essential. Understanding savings, digital payments, fees, risks and data protection enables users to participate more effectively in the digital economy. Digital wallets can facilitate certain financial services. However, their use requires a basic understanding of how they work and the risks involved. Blockchain technologies can also improve, in certain contexts, transaction traceability and verification. Ecosystems such as Pi Network illustrate some experiments with these technologies.

Conclusion

The challenge for Africa is therefore not only to produce more wealth. It is also to understand how this wealth circulates and how it contributes to people’s living conditions. Financial literacy can strengthen this understanding. Digital technologies can facilitate exchanges. Triple-B can open up an additional reflection on the human dimension of development. The question therefore remains: how can we build an African economy in which digital value creation also contributes to people’s well-being?

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