January 2026
Digital Banking in Africa Is an Infrastructure Problem, Not a UX Problem
Argues that digital banking failures in Africa are primarily infrastructure-related rather than UX issues.
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Argues that digital banking failures in Africa are primarily infrastructure-related rather than UX issues.
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Highlights how system interoperability reduces friction and systemic risk in African finance.
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Discusses integration as a strategic capability for incremental modernization in legacy environments.
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Emphasizes embedding regulatory logic into platform architecture to handle multi-jurisdictional requirements.
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Frames payment systems as public utilities requiring design focused on reliability and governance.
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Notes that success is sustained reliability over time, not just the launch date.
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Argues that inclusion depends on predictable infrastructure supporting diverse access models.
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