Knowledge Hub

How to Obtain a BCEAO Electronic Money Institution License

The BCEAO electronic money institution license is the gateway to operating a fintech across the eight-country WAEMU...

Senegal

How to Structure a Nigerian Fintech Regulatory Strategy

Nigeria has one of the most complex fintech regulatory environments in Africa, with overlapping authority between the...

How to Integrate the Safaricom M-Pesa Daraja API: A Practical Starting Guide

Safaricom's Daraja is the API gateway that connects your application to M-Pesa. This guide walks through the practical...

Kenya

How to Evaluate an African Fintech Acquisition Target as a Traditional Bank

African banks that want to acquire fintech capability face a specific set of diligence challenges that standard M&A...

South Africa

How to Approach a Traditional African Bank for a Fintech Partnership

Most African fintechs eventually need a bank partnership: for licensing cover, settlement rails, co-branded products...

Kenya

How to Build a BNPL Product That Actually Works in African Retail Margin Conditions

Classic BNPL models borrowed from Klarna and Affirm often fail in African markets because retail margins are thinner...

Kenya

How to Price a Fintech Product During Naira Depreciation

Currency depreciation is the silent killer of African fintech unit economics. A product priced correctly at a stable...

African Wealthtech Needs to Admit It Is a Currency Hedge, Not a Wealth Builder

PiggyVest has over 7 million users. Cowrywise passed 800,000. Bamboo and Risevest have built credible retail US stock...

The African Remittance Cost War Is Already Over. Wise Won.

LemFi, Nala, Sendwave, Chipper Cash, and a dozen other African diaspora remittance operators compete fiercely for...

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...