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Guide on African markets
12 published articles in this view, tagged by country and sector. See all articles
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 How to Structure a Nigerian Fintech Regulatory Strategy
Nigeria has one of the most complex fintech regulatory environments in Africa, with overlapping authority between the Central Bank of Nigeria, the Securities and Exchange Commission, the Federal Competition and Consumer Protection Commission, the Nigeria Data Protection Commission, and others. This guide walks through how to think strategically about regulatory fit before you commit to a product direction, rather than discovering the regulatory questions after you have already built something.
Nigeria · Financial Services 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 reporting. Building this from scratch is expensive and slow. Integrating with Smile ID, Youverify, Dojah, or Identitypass is the standard path. This guide walks through how to evaluate these providers, integrate their APIs effectively, and build the surrounding compliance controls that make KYC infrastructure actually work at scale.
Nigeria · Financial Services 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 integration path: portal registration, sandbox setup, OAuth authentication, the STK Push payment flow, callback handling, and the transition from sandbox to production. Written for engineering teams building their first M-Pesa integration.
Kenya · Financial Services 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 recruitment, training, float management, fraud prevention, and commission structuring. This guide walks through how to set up agent operations in a way that actually scales beyond the first thousand agents, based on patterns from successful African mobile money operators.
Kenya · Financial Services How to Evaluate an African Fintech Acquisition Target as a Traditional Bank
African banks that want to acquire fintech capability face a specific set of diligence challenges that standard M&A playbooks do not cover. Regulatory integration, technology debt, customer retention through ownership change, and founder lock-in are all harder than they look. This guide walks traditional bank corporate development teams through how to evaluate an African fintech acquisition target in a way that gives the deal a realistic chance of creating value after closing.
South Africa · Financial Services How to Structure a Fintech Cap Table for African Investors
African fintech fundraising usually combines capital from several distinct investor types: local angels, pan-African VCs, Global South VCs, development finance institutions, and strategic corporate investors. Each group has different expectations about ownership, governance, liquidation preferences, and exit timelines. This guide walks through how to structure a cap table that can absorb capital from all of them without creating conflicts that poison later rounds.
Nigeria · Financial Services How to Approach a Traditional African Bank for a Fintech Partnership
Most African fintechs eventually need a bank partnership: for licensing cover, settlement rails, co-branded products, or regulatory sponsorship. The bank-fintech relationship is one of the most common causes of fintech stall-outs. This guide walks through how to approach an African bank in a way that leads to a working partnership rather than a dead end.
Kenya · Financial Services How to Integrate the Flutterwave API: A Practical Starting Guide
Flutterwave is one of the most widely used payment infrastructure providers in Africa, supporting cards, bank transfers, mobile money, USSD, and bank account payouts across multiple African countries. This guide walks through the practical integration path for Flutterwave v3: dashboard registration, API key management, the Standard Checkout flow, transaction verification, webhook handling, and the transition from test to live mode. Written for engineering teams building their first Flutterwave integration.
Nigeria · Financial Services Read the full Knowledge Hub
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