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The missing link: Africa’s $1.4 billion-person market needs one payment language
Africa’s payment landscape is not lacking infrastructure, but cohesion. While the continent has developed dozens of instant payment systems, most operate in isolation due to differing regulatory frameworks, compliance requirements, and currencies. This fragmentation continues to make cross-border payments costly, slow, and unpredictable, limiting trade and financial inclusion, particularly for small businesses.
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AfricaNenda: Digital Payment Access is Steadily Increasing. What Barriers Remain?
The instant payment ecosystem in Africa continues to show increased dynamism, as the number of instant payment systems (IPS) expands and more transactions run through them, as documented in the State of Inclusive Instant Payment Systems in Africa 2023 report (SIIPS 2023).
SIIPS