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Guides, reports, and expert insights for African business

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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...

ABA Editorial BoardJan 7, 2026Nigeria
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...

ABA EditorialJan 5, 2026Nigeria
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...

ABA Editorial BoardDec 29, 2025Nigeria
Market Report

National Payment Switches in Africa: NIBSS, PesaLink, GhIPSS, and the Rails Beneath the Fintech Boom

Nigeria's NIBSS Instant Payments powers over 90 percent of Nigerian interbank transfers and processed over USD 1...

ABA EditorialDec 27, 2025Nigeria
Market Report

PAPSS and the Architecture of African Payment Sovereignty

In June and July 2025, PAPSS launched two new products: PAPSSCARD (Africa's first continental card scheme) and PAPSS...

ABA EditorialDec 25, 2025Nigeria
Expert Insight

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...

ABA Editorial BoardDec 18, 2025Kenya
Market Report

Digital Lending and Alternative Credit Scoring in Africa: After the Easy Money Ended

Nigeria has over 200 licensed digital lending platforms as of 2025. Kenya's M-Shwari controls roughly 34 percent of the...

ABA EditorialDec 18, 2025Nigeria
Case Study

Chari: How a Moroccan Husband-and-Wife Team Built a Merchant Super-App From Casablanca

Chari was founded in early 2020 by Ismael Belkhayat and Sophia Alj, a husband-and-wife team with backgrounds at BCG and...

ABA EditorialDec 15, 2025Morocco
Market Report

African Remittances and Diaspora Fintech: The USD 100 Billion Lifeline

Africa received approximately USD 100 billion in remittances in 2024, roughly double overseas development assistance to...

ABA EditorialDec 10, 2025Nigeria
How-to Guide

How to Set Up Mobile Money Agent Network Operations

Mobile money only works if agents can convert cash to digital balance reliably. Building an agent network is a mix of...

ABA EditorialDec 9, 2025Kenya
Expert Insight

Why Nigeria's Open Banking Framework Will Underperform Its Promise

Nigeria went live with formal open banking on 1 August 2025, becoming the first African country to do so. The fanfare...

ABA Editorial BoardDec 8, 2025Nigeria
Market Report

African Insurtech in 2026: Closing the Continent's Protection Gap

Approximately 80 percent of economic losses from African natural disasters in 2022 went uninsured, up from 58 percent...

ABA EditorialDec 6, 2025Kenya