Africa is a world leader in mobile money, with Kenya and Ghana having the highest rates of mobile payment use in the world after China. The continent’s 55 countries are home to around 171 mobile money wallets, more than 1,000 banks and over 12 card networks – with little interoperability. However, the accelerated digitalisation that swept the globe has led to widespread adoption of digital financial services. Regulators and governments have responded, rolling out intensive payment modernisation initiatives that are driving a lot of compliance pressure on banks. Globally, customers – both individuals and businesses – now want their services…