Are mobile wallets in East Africa the way to a 'crypto' future?

スマホでモバイルウォレットを使い始める前に, 写真家のポール・ムタンバは、ウガンダでの彼のフリーランス サービスの支払いを送金で受け取るのに 3 週間待ったことを思い出します。. “気に入っているのは便利さ,” 彼は言い​​ます, adding that he will never go back to traditional money transfers now that he has access to digital banking.

Like Mutamba, millions of customers on the continent continue to circumvent brick and mortar banking services, boosting Africa’s financial technology (fintech) and providing accessibility for the unbanked.
に 2020, mobile money transactions jumped 15%, with sub-Saharan Africa making up nearly half of all registered mobile money accounts worldwide, according to mobile industry body GSMA.
    Eversend is one of the digital payment apps across Africa experiencing rapid growth.

    Eversend, a Ugandan-led, mobile-only financial service, is among a plethora of apps across Africa experiencing rapid growth. “We’re growing 30% in terms of gross revenuemoving about $ 5 million dollars every month,” says co-founder Ronald Kasendwa.
      しかしながら, when it comes to funding for mobile finance, e-commerce and even cryptocurrency ventures, Uganda fintech startups lag behind those located in larger tech hubs in places such as Nigeria and Kenya.
        For Kenneth Ntende, co-founder of Ugandan startup DusuPay, the biggest hurdle is figuring out a way to move towards a borderless payment system. “Africa is too fragmented in the world of payments,” 彼は言い​​ます.
          Ntende knows first-hand the potential in East Africa but worries about the fintech bubble. “Everyone tries to capture the opportunity, but only the strongestwill survive,” 彼は言い​​ます.
          DusuPay co-founder Kenneth Ntende says fintech companies face a complicated set of challenges as they scale up across the continent.

          For new e-commerce business owners like Sandra Namakula, global payment systems can provide life-changing solutions. With DusuPay, she was able to create her own e-commerce store, fulfill orders from suppliers in China and collect payments from clients in neighboring countries all amid the pandemic.
          With an online business you have to be as fast and efficient as possible,” Namakula says.

          Crypto investments go mobile

          The internet economy ore-conomycould add $ 180 billion dollars to the region’s GDP by 2025, によると 報告する by Google and the International Finance Corporation.
          There’s a vote of confidence for the tech industry in Africa,” the GSMA head of sub-Saharan Africa, Akinwale Goodluck, tells CNN. “We’ve seen a lot of innovation coming out of Africaand this attracts interest from Twitter, Facebook and Google.
          With Facebook opening offices in South Africa and Nigeria this year, and Google and Twitter choosing Ghana for their regional headquarters, Twitter founder Jack Dorsey’s 2019 prediction that Africa will define the future seems ever closer to reality.
          With growing attention on cryptocurrency and in-app stock trading, companies including Uganda’s Eversend have started offering trading and crypto investments within their apps.
            Eversend’s Kasendwa says Africans will continue to create and adopt the latest tech.
            You can’t deny the fact that there’s mass adoption of cryptocurrencies,” 彼は言い​​ます. “We want to focus on making sure people can transact without killing their social norms … (一方) building a networked community.

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