The world’s next one billion middle-class consumers are coming online in Africa. Mobile money is enabling Africa’s transformation to a digital economy through the delivery of affordable financial services. Africa has been a global leader in innovating payment technologies and has important lessons for fintech practitioners.

Venture Capital investment into U.S. fintech has slowed down recently but is picking up in emerging markets. African, Latin American, and Asian markets are ripe with the opportunity: the world’s 2.5 billion unbanked consumers are coming online. In Africa alone (from Irrational Innovations):

• Over 85% of people have a mobile phone
• Only 20% have access to financial services
• $4 trillion consumer and business spending
• $528 billion credit gap for Small and Medium Enterprises (SMEs)

Commercial banks, microfinance institutions (MFIs), and traditional lenders have not yet adapted to digital finance. The mobile generation in developing countries is growing quickly and needs financial services now – smartphones and mobile money enable the low-cost delivery of financial products to this captive audience. Emerging markets fintech is the trillion-dollar opportunity of this decade. 

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By the end of this course, you will have learned alternative lending and financing to emerging markets.

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