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Guides, reports, and expert insights for African business

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How-to Guide

How to Build KYC Infrastructure Using Smile ID, Youverify, and Dojah

Every African fintech needs KYC infrastructure: identity verification at onboarding, ongoing monitoring, and regulatory ...

Market Report

SME Lending and Supply Chain Finance in Africa: Closing the USD 330 Billion Credit Gap

The African SME credit gap is estimated at over USD 330 billion by the IFC. OmniRetail's OmniPay disburses USD 12 millio...

Expert Insight

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 s...

Case Study

PiggyVest: How Three Co-Founders Built Africa's Largest Consumer Savings Platform

PiggyVest was founded in 2016 by Somto Ifezue, Odunayo Eweniyi, and Joshua Chibueze as Piggybank.ng. By late 2024 the pl...

Market Report

Agricultural Finance and Agritech-Fintech in Africa: Financing the Smallholder Gap

Agriculture represents at least 20 percent of African GDP and 60 percent of African jobs, but smallholder farmers receiv...

Expert Insight

The eNaira Was Always Going to Fail. Ghana Should Listen.

Nigeria's eNaira has 98.5 percent unused wallets according to IMF research. After four and a half years, total eNaira in...

News

Kuda Bank Upgraded to National Operating Banking License in Nigeria

The Central Bank of Nigeria has upgraded Kuda Microfinance Bank to a full national operating banking license, placing th...

How-to Guide

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 i...

Market Report

African Wealthtech: How PiggyVest, Cowrywise, Bamboo, and Risevest Opened Retail Investing to a Generation

PiggyVest has over 7 million users saving an average of NGN 25,000 every second as of 2024. Bamboo has over 500,000 inve...

Expert Insight

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 consu...

Market Report

African Neobanks in 2026: From Startup Disruptors to Fully Licensed Banks

Kuda's transaction volume exceeded NGN 14 trillion in 2025. FairMoney has over 6 million users and paid NGN 7 billion in...

Expert Insight

Stop Calling Them Neobanks: The Pan-African Retail Bank Has Arrived

Kuda has a national banking license. FairMoney is a licensed microfinance bank. TymeBank is profitable and expanding int...