Knowledge Hub

Expert Insight

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 ...

ABA Editorial BoardSep 9, 2026Ghana

Expert Insight

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

Kuda is now a nationally licensed Nigerian bank. FairMoney is a licensed microfinance bank with current accounts, saving...

ABA Editorial BoardSep 2, 2026Nigeria

Expert Insight

Why Nigeria's Open Banking Framework Will Underperform Its Promise

Nigeria became the first African country to go live with formal open banking on 1 August 2025. The Central Bank of Niger...

ABA Editorial BoardAug 26, 2026Nigeria

Expert Insight

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 ac...

ABA Editorial BoardMar 29, 2026Nigeria

Expert Insight

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 across...

ABA Editorial BoardMar 22, 2026Kenya

Expert Insight

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 market...

ABA Editorial BoardMar 9, 2026Nigeria

Expert Insight

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 BNP...

ABA Editorial BoardMar 2, 2026Kenya

Expert Insight

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. Francopho...

ABA Editorial BoardFeb 19, 2026Senegal

Expert Insight

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 instituti...

ABA Editorial BoardFeb 7, 2026Nigeria

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...

ABA Editorial BoardJan 28, 2026Nigeria

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...

ABA Editorial BoardJan 16, 2026Ghana

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...

ABA Editorial BoardJan 7, 2026Nigeria