Fintech for Inclusion Africa Summit, 2025

Background

Understanding Africa's evolving financial and digital landscape

Africa's Evolving Financial Landscape

Africa's financial and digital landscape is evolving rapidly. Mobile money platforms like M-Pesa, MoMo, and Airtel Money have revolutionized transactions, while fintech innovations such as Zeepay and Buy Now Pay Later (BNPL) solutions are expanding access to credit. E-commerce platforms like Jumia, Konga, and Takealot—along with the rise of social commerce—are further driving financial inclusion and trade.

Key Challenges

Regulatory fragmentation limits seamless cross-border transactions.
Lack of payment interoperability affects financial connectivity.
Cybersecurity risks and data protection gaps threaten digital finance.
Infrastructure limitations hinder the scalability of fintech solutions.

Summit Focus

The Fintech for Inclusion Africa Summit 2025 will bring together policymakers, industry leaders, and innovators to tackle these issues. With a focus on regulatory harmonization and policy innovation, key discussions will explore:

Key Discussion Areas

Strengthening cross-border payment systems.
Enhancing financial inclusion through open banking and digital identity.
The role of Central Bank Digital Currencies (CBDCs) in Africa's digital economy.
Addressing gender and inclusion gaps in fintech.

As Africa moves towards deeper economic integration under AfCFTA, this summit will serve as a platform for shaping a unified, well-regulated, and inclusive digital financial ecosystem.

Why Africa Matters

Exploring the unique financial technology landscape of Africa

High Mobile Phone Penetration

615M+ unique mobile subscribers (2024), expected to hit 50% penetration by 2030.
Mobile money platforms like M-Pesa, MoMo, and Airtel Money have transformed financial access.

Growing Mobile Internet & Digital Inclusion

27% mobile internet penetration, with falling data prices driving digital adoption.
4G expansion in ECOWAS set to double by 2030, but infrastructure investment is key.

AfCFTA & Cross-Border Payments

Africa's free trade agreement could generate $292B in income gains by 2035.
PAPSS and fintech solutions are reducing currency dependency and boosting intra-African trade.

Fintech Regulation & Policy Leadership

Ghana, Nigeria, Kenya, and South Africa lead in fintech licensing, open banking, and digital ID systems.
Regulatory sandboxes and financial inclusion policies drive innovation while ensuring consumer protection.

Surge in Digital Payments

50%+ of the world's mobile money accounts are in Sub-Saharan Africa.
QR code payments, instant transfers, and digital wallets are increasing financial inclusion.

Booming E-Commerce Market

Projected to exceed $75B by 2025, driven by fintech-enabled payments and logistics.
Local and global platforms (Jumia, Takealot, Amazon) are reshaping online shopping.

Africa's Young, Digital-Savvy Population

60% of Africans are under 25, fueling digital innovation and entrepreneurship.
Startups and tech businesses grew by 20% in five years, with record investments in 2021.

Rise of Alternative Credit & Embedded Finance

BNPL, digital microloans, and block chain-based credit are filling gaps in traditional banking.
Fintech giants like Flutter wave and Chipper Cash are integrating seamless credit solutions.

Digital Identity & Open Banking Growth

Digital identity frameworks in Nigeria, Ghana, and Kenya enable secure transactions.
Open banking fosters partnerships between fintechs and traditional banks.

Resilient VC Market Amid Global Slowdown

Africa raised $3.2B in VC funding in 2024, despite global market uncertainties.
Investors remain confident in fintech, e-commerce, and digital infrastructure.

Goals of Fintech for Inclusion Africa Summit, 2025

Unlock cross-border payments and digital trade.

Promote public-private collaboration for regulatory innovation.

Advance financial inclusion through digital technologies.

Enhance consumer protection, security, and trust in fintech.

Strengthen governance, risk, and compliance in the digital economy.

Drive innovation in financial technologies and digital commerce.

Empower women and promote diversity in fintech and digital trade.

Paper Presentations

A select number of high-quality research papers will be accepted for presentation. Submissions should focus on the following key areas:

Inclusive Digital Finance

Consumer Protection and Empowerment

Gender and Fintech

Digital Infrastructure & Connectivity

Inclusive Digital Insurance

Regional Integration: E-commerce, Payments, and Trade Finance

Presenters will showcase cutting-edge research that contributes valuable insights into Africa's digital economy. Selected papers may also be considered for publication.

Conference Focus

The summit will serve as a key platform for shaping Africa's digital economy, emphasizing fintech and e-commerce as drivers of economic transformation. Discussions will address cross-border trade, digital finance, consumer protection, and gender inclusion, providing actionable insights for digital integration.

With digital financial services and e-commerce expanding rapidly, the need for harmonized regulations, secure payment systems, and inclusive infrastructure is critical. The conference will explore how collaboration between policymakers, innovators, and regulators can enhance digital trade, payment interoperability, and consumer protection.

Through strategic partnerships and bold policy action, Africa can harness its digital potential to drive sustainable growth and global competitiveness.

Keynote Speakers

Dr. Johnson Pandit Asiama

Governor

Bank of Ghana

Sina Kamagate

Executive Head, Retail Banking

GCB Bank PLC

Nii Amankra Tetteh

CEO

Letshego Ghana

Tracks and Sessions

Join us for comprehensive discussions across multiple tracks

Track 1

10:00 a.m. - 11:45 a.m.

Inclusive Digital Finance

Panel Discussion: Fintech at the Forefront: Driving Innovation, Inclusion, and Impact in Africa's Digital Economy

Join Zoom Meeting