Increased cellular coverage and penetration, and use of mobile money apps have created prospects for e-commerce. The large size of the informal sector and un-banked population has opened the way for a new payment mechanism that enables local purchase of utilities, groceries, and services through mobile apps. Local payment systems include MTN Mobile Money, Eswatini Mobile Email, First National Bank’s e-wallet.  The Central Bank of Eswatini discontinued the use of check writing within the country as of 1st January 2022.