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Across emerging markets, FinTech is often framed as a shortcut to financial inclusion. Yet experience consistently shows that technology on its own does not close access gaps. What matters is how FinTech is implemented within institutions that serve low income communities, and how strategy, capability, regulation, and trust interact over time. Evidence from Nigerian microfinance […]

Africa’s mobile money landscape continues to evolve and the distribution of agent networks across regions provides a clear picture of where progress is taking place and where real gaps remain. Our recent analysis of agent totals and regional share between 2021 and 2024 shows a continent that is advancing but not evenly. This uneven distribution

A review of Africa’s mobile money agent totals from 2021 to 2024 presents a sharp and decisive message. The distribution of agents across regions is not balanced. It reflects a structural shift that should command the attention of businesses, fintech operators, policymakers, and regulators. Eastern Africa remains the largest contributor to the continent’s agent network.

The landscape of digital commerce is undergoing a profound transformation. As mobile technology becomes increasingly central to daily life, consumer expectations regarding convenience, speed, and accessibility continue to evolve. A critical development within this broader shift is the growing adoption of QR code-based payments, which are quietly yet decisively reshaping how digital transactions are conducted

Why ecosystem mapping matters now Global FinTech investment reached about 44.7 billion dollars in the first half of 2025 according to KPMG. Yet capital alone no longer drives growth. Scale now depends on integration across digital infrastructure, regulation and user trust. The World Economic Forum’s latest Future of Global Fintech report found that 84 percent

The promise of FinTech in microfinance is clear. From mobile lending to digital wallets, technology has the power to expand access for underserved populations. Yet implementation is not automatic. Our publication, The Determinants of FinTech Implementation in Microfinance Companies – A Systematic Review (Offiong, Szopik-Depczyńska, Ioppolo, Singh, 2024), shows that success depends on the alignment of both

In fintech today speed counts, regulatory complexity is unrelenting, and customer expectations shift continuously. Financial institutions and fintechs must make critical decisions about how best to acquire capabilities. Do you build internally, buy an existing solution or company, or collaborate / partner? Each path has trade-offs. Choosing wisely can mean the difference between competitive advantage