Africa's Financial Plumbing: From Digital Access to Continental Integration

Africa has solved the financial access problem—now the challenge is infrastructure integration. With mobile money networks, domestic payment systems, and the emerging PAPSS network coexisting in fragmented layers, developers and fintech players face a complex landscape that determines what's actually possible at scale. The expansion of PAPSS, PAPSSCARD, and new currency marketplaces signals a critical shift toward eliminating intra-African transaction costs and building true continental financial integration.