Kenya 
Knowledge Hub
Insight and analysis on African markets
146 published articles from the research desk, tagged by country and sector so you find what is relevant to you.
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 issued and 98.5 percent had never been used, according to IMF research. The eNaira in circulation represented approximately 0.37 percent of total Nigerian currency, unchanged between early 2024 and early 2025. Ghana is now weighing whether to proceed with a full retail eCedi launch. We argue here that the eNaira's failure was not an execution problem. It was a product problem. Ghana should take the warning seriously.
Ghana · Financial Services 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, savings, POS merchant solutions and NGN 150 billion in disbursed loans. TymeBank is profitable, valued at USD 1.5 billion, and expanding into Indonesia and Hong Kong. These are not neobanks. They are banks. The category name we have been using for five years is now misleading, and we argue here that continuing to use it obscures what is actually happening in African consumer banking.
Nigeria · Financial Services 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 Nigeria, the Open Banking Initiative, and most of the Nigerian fintech press have framed this as a transformative moment. We are not convinced. Our view is that the framework will produce meaningful but limited gains over the next 24 months, and that the transformative outcome the advocates promised will not arrive on schedule. Here is why.
Nigeria · Financial Services Clean Cooking in Africa 2026: The 900 Million Access Gap and the Slow Transition From Wood to Clean Fuels
Approximately 900 million Africans lack access to clean cooking fuels, relying on wood, charcoal, kerosene, or other traditional fuels with severe health, environmental, and social consequences. Clean cooking is one of Mission 300's explicit priority areas. This report maps the scale of the problem, the operators working on the transition, and the structural conditions that have made clean cooking one of the slowest-moving components of African energy access.
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 access. The marketing language across the category is about building wealth, long-term compounding, and financial independence. Our view is that this framing does not match what customers actually do. African wealthtech is, in practice, a currency hedge. Admitting that would produce better products for customers and better businesses for operators.
Nigeria · Financial Services How to Price and Structure B2B Supply Chain Finance in African Markets
B2B supply chain finance is one of the most promising African fintech categories because it addresses a genuine credit gap with defensible unit economics. OmniPay in Nigeria maintains non-performing loans below 0.5 percent on over USD 800 million annual transactions. Pezesha raised USD 11 million in early 2025 for its B2B lending infrastructure. This guide walks through how to price and structure a supply chain finance product that works in African market conditions.
Nigeria · Financial Services The African EdTech Adult Learning Pivot 2026: Why the Sector Is Abandoning Children for Adults and What It Means
African edtech is undergoing a structural pivot away from K-12 consumer models toward adult learning, driven by the specific commercial logic that adults paying for their own training have stronger and more durable payment motivation than parents paying for children. This report examines the pivot, its causes, and its implications for the sector's next phase.
Julaya: The BCEAO-Licensed B2B Payment Platform Rebuilding Francophone West African Finance
Julaya was founded to solve a specific problem in Cote d'Ivoire: why African businesses could not process B2B payments digitally at the scale their operations required. By 2025 the company had received a BCEAO electronic money institution license, becoming one of the first private-sector operators to do so under the updated framework. This is the story of how a small Abidjan-based team built regulated B2B payment infrastructure in a market most pan-African fintechs had been ignoring.
Côte d'Ivoire · Financial Services African Warehousing and Fulfillment Infrastructure 2026: The Grade A Shortage, the Industrial Park Push, and the E-commerce Fulfillment Layer
African warehousing infrastructure is dominated by informal storage facilities with limited Grade A capacity for modern distribution and e-commerce fulfillment. Industrial parks being developed in multiple countries aim to address the gap with purpose-built logistics real estate. This report maps the warehousing landscape, the operators and developers building modern capacity, and the e-commerce fulfillment layer that depends on it.
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