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The missing link: Africa’s $1.4 billion-person market needs one payment language

14 April 2026

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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