Knowledge Hub

Francophone West African Fintech Is the Next Wave. It Is Already Starting.

English-language African fintech coverage has been dominated for a decade by Nigeria, Kenya, and South Africa...

Senegal

PAPSS Will Probably Fail at Its Stated Goal. That Is Fine.

The Pan-African Payment and Settlement System reached 17 countries and over 150 banks by late 2025. It launched a card...

African Crypto Regulation Is Heading in Exactly the Wrong Direction

African crypto regulation across 2024 and 2025 has moved toward formal licensing frameworks that treat crypto as a...

Gender-Lens Capital Is Quietly Reshaping African Fintech. Venture Capital Has Not Noticed.

Development finance institutions have been deploying gender-lens capital into African fintech for several years. The...

Mobile Money Agent Economics Are Quietly Breaking

Mobile money in Africa runs on a foundation of approximately 300,000 M-Pesa agents, several hundred thousand more...

African BNPL Has a Retail Margin Problem Nobody Wants to Name

The African BNPL market is projected to grow to USD 16.8 billion by 2031. The growth projections assume that African...

The USD 330 Billion African SME Credit Gap Is the Wrong Number to Chase

The USD 330 billion African SME credit gap is the most-cited statistic in African fintech. Development finance...

The eNaira Was Never Going to Work, and Ghana Should Not Repeat Its Mistakes

Less than 0.5 percent of Nigerians had used the eNaira by late 2023. By 2025, approximately 13 million wallets had been...

Ghana

African Pension Tech and the Long-Term Savings Gap

Only a small fraction of African workers participate in any formal retirement savings system. Nigeria's Contributory...

CBDCs in Africa: The eNaira, the eCedi, and the Adoption Problem Nobody Wants to Talk About

Nigeria launched the eNaira in October 2021, becoming the first African country and only the second globally to roll...

Mobile Money Agent Networks: The Cash-In Cash-Out Economy Underpinning African Fintech

Safaricom M-Pesa operates approximately 298,890 agents serving 35.82 million customers and KSh 38.29 trillion in FY25...

African Bank-Fintech Partnerships in 2026: The End of the Disruption Story

Equity Bank operates across six African countries with over 19 million customers. Ecobank Group spans 33 African...