Africa’s Fintech Future: Sylvia Mulinge, Sitoyo Lopokoiyit & Richard Yego on Building Africa’s Trust Economy From M-PESA to MTN MoMo, Africa’s fintech trailblazers reveal how the continent’s digital revolution is evolving from access to architecture — and why trust, collaboration, and purpose will define its next decade.

A decade ago, Africa’s fintech revolution began as a response to one of the continent’s most persistent challenges: access to finance. In 2011, only 23% of people in sub-Saharan Africa had access to formal financial services, according to the World Bank. The launch of M-PESA in Kenya marked a turning point, proving that mobile technology could leapfrog traditional banking barriers. By enabling millions to send and receive money using basic feature phones, M-PESA laid the foundation for a continental digital finance revolution. As mobile penetration surged, surpassing 500 million unique subscribers by 2022 (GSMA), fintech startups began filling the gaps…