Author: Partner Content

Africa’s most interesting systems are often built long before formal markets know what to call them. Mobile money in Kenya changed financial access by addressing the gap left by traditional banking infrastructure, which excluded too many people from the system. Stokvels created disciplined models of collective finance long before fintech discovered community-led savings. Township retail in South Africa has built supply, credit and distribution ecosystems in markets that formal commerce has often underestimated. These are examples of African ingenuity, yet they are also examples of something more commercially significant. Across the continent, people and businesses have repeatedly built around gaps with a sophistication that…

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