African fintech companies are solving real payment and access problems, but many still face slow licensing, unclear rules and expensive cross-border systems.
A new policy review outlines common requests from fintechs across Africa: faster routes for early-stage firms, clearer payment rules, practical sandboxes and systems that make cross-border trade easier. These are not requests for weak regulation. They are requests for rules that firms can understand and follow.
The best result is a fair balance. Regulators should protect users and the financial system. Builders should know what is expected before they spend years developing a product.
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