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By eliminating exploitative buying from the value chain, smallholder farmers are able to become financially independent, get enough money to take care of their families and needs thereby alleviating them from poverty

we are definitely improving the financial livelihood of smallholder farmers through fair trade. Many smallholder farmers are paid less than $1 a day and our objective is to increase it to $4 a day by 2020.

Over the last four years, our service has allowed the Ethiopian population to access the following services using their mobile phones: Health advice (HelloDoctor)Market access (HelloMarket / HelloGebeya)Labour market access (HelloJobs / HelloSera)Legal advice (HelloLawyer / HelloTebeka)Mobile Trade service (HelloBroker/ HelloDelela)And, since February 2015, in partnership with select Ethiopian banks and micro finance institutions;Financial Inclusion (HelloCash)

To help unlock the potential of Ethiopia through the digitalization of essential services, such as finance, healthcare and education. To help drive sustainable and inclusive growth though digitalization. We believe digitalization will lower transaction costs and bring essential services to the reach of the poor. It bypasses the conventional time consuming and capital intensive build-up of fixed assets (banks branches, school buildings and clinics).

Zeepay’s objective is to include about 50% of the unbanked population and to ease payments and collections for the banked population in Ghana through the provision of mobile financial services with retail enablement.

Operating in Uganda, Zambia, Kenya, Ghana, Tanzania, and Pakistan, the fintech plans to expand its offering and service to Côte d’Ivoire and Nigeria. 

We’re optimistic about the possibilities in these markets and continue to see huge growth opportunities in Africa, with the potential to replicate our successes in other markets over the longer term.”

AgroCenta brings all the stakeholders in Ghana’s agricultural value chain together to facilitate effective trading within its web and mobile platform. They target rural smallholder farmers and farmer-based organizations that have limited access to markets, logistics, or technology. AgroCenta works to improve the livelihoods of farmers by providing an all-in-one SMS based solution to access commodity pricing, offer goods for sale across Ghana, and an on-demand logistics service to ensure timely deliveries.

Business Model

The generation of wealth, sustained by productive activities of agro-industries, leads to the production of wastes and uses natural resources, interfering in the environmental pillar of sustainability. The purpose of this study is to investigate whether cassava processing companies generate eco-innovations by means of technological cooperation, and the degree of participation of agents in these interactions. The quantitative method used the structural equation modeling for data analyses. The results indicated a relationship between technological cooperation and the generation of eco-innovation. The model developed showed the significance between variables and exposed the main aspects that generate eco-innovation from technological cooperation. A cooperation process allows a reduction in the burning of fossil fuels, reducing the emission of methane gas, which aggravates the greenhouse effect, also reducing odor, and ultimately, providing financial gains to agribusiness.

In 2019, Fawry became the first fintech company to IPO in the region and since taking that step, the price of its stock has risen by 300 per cent. In August, Fawry became Egypt’s first tech ‘unicorn,’ born during a global pandemic and what is quickly becoming a global economic meltdown of massive proportions.

our solution is based on high technology and based on Service Oriented Architecture (SOA) standard. We are highly available and our system is scalable as it can carry huge numbers of transactions. We are now certifying for the Payment Application Data Security Standard (PA-DSS) for security development and we’re following the standards of the Interactive Financial Exchange (IFX), ISO27001 and other different standards related to technology and security. Our solution is based on applying the latest technology, following the latest standards and being reliable. Moreover we allow easy access through more channels than competition to satisfy our customers’ needs. Also we’re covering more sectors and providing more services than our rivals.

Fawry is an Egyptian company that started in 2009 with the purpose of offering electronic payment services through several payment channels. The service started at banks and a big network of outlets all over the republic as well as Egypt post.

Fawry is an Egyptian company that started in 2009 with the purpose of offering electronic payment services through several payment channels. The service started at banks and a big network of outlets all over the republic as well as Egypt post.1 Now we are covering about 60 types of bills, where we cover the telecommunications sector and lately we covered all electrical companies in the country and some water companies. We also offer our services at universities and syndicates. Adding to that, users can now buy their airline tickets through us.

Their Founders work in agriculture insurance has been recognized by several international awards including the Financial Times/IFC Award for Sustainable Finance. They work with Fortune 500 Companies, Global NGO’s, Microfinance Instructions, Research Institutions, and Governments to help provide smallholders the protection they need in an increasingly unpredictable climate.

Digital financeAs the global economy recovers from COVID-19, one particular area of focus for FinTech is financial inclusion. According to the World Bank, there are currently around 1.7 billion unbanked individuals worldwide, and FinTechs will be central to efforts to integrate these people into the global banking system.Doing so will help to mitigate the economic and social impact of the pandemic. According to Deloitte, FinTechs, in strategic partnerships with financial institutions, retailers and government sectors across jurisdictions, can help democratise financial services by providing basic financial services in a fair and transparent way to economically vulnerable populations.Digital finance is also expanding in other areas. Health concerns in the COVID-19 era have made physical cash payments less practical, opening the door to an increase in digital payments and e-wallets. Though cash use was predicted to decline in any case, COVID-19 has hurried that decline, due to concerns that handing over money can cause human to human transmission of the virus. According to a Mastercard survey looking at the implications of the coronavirus pandemic, 82 percent of respondents worldwide viewed contactless as the cleaner way to pay, and 74 percent said they will continue to use contactless payment post-pandemic.In addition, improved ‘know your customer’ services are required to counter the rise in digital fraud and cyber crime since the beginning of the outbreak. As more of the global economic and financial system continues to move online, cyber defences will become even more crucial to protect data. Security-conscious FinTechs are designing their products with this in mind – even if face-to-face meetings and processes do return. Given the rising reliance on technology, digital transformation will be a primary focus for FIs in the months and years ahead. Whereas previous efforts to integrate technology may have been limited in scope, many FIs are awakening to the fact that in order to deliver an efficient, effective and sustainable banking service, they must adopt a more holistic approach to digital transformation, which includes utilising FinTech.

The application of technological innovations to the finance industry (Fintech) has been attracting tens of billions of dollars in venture capital in recent years. Examples of Fintech innovations include digital cash transfer services in Kenya and India, and peer-to-peer lending platforms in China. These services, when developed in tandem with complementary government policies and regulatory frameworks, have the potential to expand financial services to hundreds of millions of people currently lacking access and to break new ground on the way finance is conducted. This is important because sustainable economic growth is strongly linked with financial inclusion. The successful adoption of Fintech to increase financial inclusion is highly dependent on competent regulatory oversight. By examining varying degrees of success in the adoption of Fintech services in Kenya, India and China this paper argues that adopting a responsive regulatory approach, rather than an overly interventionist one, is the most suitable framework for boosting financial inclusion through technological innovation.

So far JUMO has analysed more than 33 terabytes of data to serve more than nine million customers in seven countries across Africa and Asia, including Tanzania, Kenya, Uganda, Ghana, Zambia and Pakistan.

Its mission is to build and operate inclusive digital banking marketplaces to advance financial inclusion for the 80 per cent of the world’s population who are excluded or underserved by traditional financial services.

As an investor partner, LeapFrog’s financial services expertise is being used for product design and multi-country rollouts, to turbocharge Jumo’s growth and spur financial inclusion across Africa.

AgroCenta focuses on 3 key impact goals for Ghana:No Poverty: we are definitely improving the financial livelihood of smallholder farmers through fair trade. Many smallholder farmers are paid less than $1 a day and our objective is to increase it to $4 a day by 2020.Gender Equality: in Sub-Saharan Africa, traditions and land ownerships do not favor women, which ends up in many women being excluded from the agriculture value chain. By engaging the relevant stakeholders, AgroCenta rents arable agricultural lands to female smallholder farmers for free. Women are also given seeds, fertilizers, mechanized tractor services and extensive advisory information on farming best practices such as what type of seed to plant, when to plant, how to plant, etc.Decent Work & Economic Growth: we empower smallholder farmers to see agriculture as more than just a way to survive and position it as a viable industry that can be sustainable for their family.

Driven by the belief that everyone deserves the benefits of a modern connected life, MTN is ramping up its efforts to enhance access to digital and financial services for its customers.

The company’s latest Fintech innovation is a mobile remittance application, MTN Homeland, aimed at facilitating money and airtime transfers from Europe to Africa and parts of the Middle East.

MTN, Africa’s biggest mobile carrier, has continued to weather COVID-19 pressures in Nigeria, recording double-digit growth in data revenue and fintech services in the six months ending June.

Customers who sign up for the M-Pesa service can convert between e-cash and real cash (these are called cash-in / cash-out transactions), and can transfer e-cash from their account to that of another account holder via SMS.