{"id":16109,"date":"2025-02-26T16:59:57","date_gmt":"2025-02-26T15:59:57","guid":{"rendered":"https:\/\/www.afis.africa\/?post_type=insight&#038;p=16109"},"modified":"2025-10-05T14:57:03","modified_gmt":"2025-10-05T14:57:03","slug":"african-fintech-bank-partnerships","status":"publish","type":"post","link":"https:\/\/www.afis.africa\/en\/african-fintech-bank-partnerships\/","title":{"rendered":"Opinion: Forget the fintech vs. bank battle \u2014Africa\u2019s financial future lies in unlikely alliances"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"16109\" class=\"elementor elementor-16109\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d01923e e-flex e-con-boxed e-con e-parent\" data-id=\"6d01923e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45f540cb elementor-widget elementor-widget-text-editor\" data-id=\"45f540cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t\n<p><strong>With over 300 million people in Africa lacking access to basic financial services, Africa\u2019s financial industry cannot afford to become embroiled in rivalries between traditional banks,<\/strong> <strong>fintech companies, microfinance institutions, and telecom giants.<\/strong><\/p>\n\n<p><em>By Bathsheba Asati, Principal Strategy Custodian, Amahoro Coalition, and Kwadwo Adjei-Barwuah, Head of Investment at Growth Investment Partners, Amahoro Coalition<\/em><\/p>\n\n<p>While many banks recognise the potential to collaborate with digital players, the latest AFIS-Deloitte Barometer reveals that 32% of bank respondents still view these firms as a competitive threat.<\/p>\n\n<p>However, the future of financial services in Africa isn\u2019t about whether traditional banks will become obsolete or if disrupters can sustain momentum.<\/p>\n\n<p>Instead, real potential lies in forming strategic partnerships between these organisations and sharing insights to build products for the unbanked and underbanked that go beyond the payments sphere.<\/p>\n\n<h4 class=\"wp-block-heading\"><br \/><strong>The industry \u2018godfather\u2019 will need to evolve<\/strong><\/h4>\n\n<p>Banks have long been seen as the \u201cGodfathers\u201d of the industry, largely due to their role as custodians of trust and financial stability.<\/p>\n\n<p>According to Uzoma Dozie, CEO of Nigerian fintech Sparkle (formerly CEO of Diamond Bank): <em>\u201cBanks have capital and the trust of their customers; any player looking to enter the financial industry needs to understand banking to offer a fuller breadth of services to their clients, beyond payment solutions.\u201d<\/em><\/p>\n\n<p>While banks occupy a pivotal role, they have no choice but to evolve alongside emerging players.<\/p>\n\n<h4 class=\"wp-block-heading\"><br \/><strong>Fintech disrupters have challenged established business models<\/strong><\/h4>\n\n<p>Fintech innovation has been at the forefront of expanding formal financial access for adults in Sub-Saharan Africa from 26% in 2011 to 57% in 2023.<\/p>\n\n<p>And the fintech sector is projected to grow further, reaching a $65 billion valuation by 2030.<\/p>\n\n<p>Mobile money platforms like M-Pesa, with 60 million users, exemplify how telecom giants have disrupted traditional banking, providing accessible and efficient alternatives.<\/p>\n\n<p>Wave, now reaching 80% of Senegalese adults monthly, has also challenged the market with a 1% P2P fee\u2014far lower than traditional rates\u2014accelerating West Africa\u2019s fintech boom.<\/p>\n\n<p>Elsewhere, AI-powered services like Orange Money in C\u00f4te d\u2019Ivoire can approve loans in just 10 seconds, while microfinance institutions have also expanded their reach, issuing approximately 50 million microloans to smallholder farmers and entrepreneurs.<\/p>\n\n<figure class=\"wp-block-image aligncenter size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1250\" height=\"555\" class=\"wp-image-16114\" src=\"https:\/\/www.afis.africa\/wp-content\/uploads\/2025\/02\/Barometer-banks-perception-of-fintechs.jpg\" alt=\"\" srcset=\"https:\/\/www.afis.africa\/wp-content\/uploads\/2025\/02\/Barometer-banks-perception-of-fintechs.jpg 1250w, https:\/\/www.afis.africa\/wp-content\/uploads\/2025\/02\/Barometer-banks-perception-of-fintechs-300x133.jpg 300w, https:\/\/www.afis.africa\/wp-content\/uploads\/2025\/02\/Barometer-banks-perception-of-fintechs-1024x455.jpg 1024w, https:\/\/www.afis.africa\/wp-content\/uploads\/2025\/02\/Barometer-banks-perception-of-fintechs-768x341.jpg 768w\" sizes=\"(max-width: 1250px) 100vw, 1250px\" \/>\n<figcaption class=\"wp-element-caption\"><br \/><em>While most banks see strong opportunities for partnerships with digital players in the next 3-5 years, 32% of bank respondents to the latest AFIS-Deloitte Barometer see digital actors as a threat<\/em><\/figcaption>\n<\/figure>\n\n<h4 class=\"wp-block-heading\"><br \/><strong>The partnership prospects beyond payments<\/strong><\/h4>\n\n<p>Banks have an opportunity to leverage their trust and stability to partner with or learn from emerging players.<\/p>\n\n<p>Jo\u00eblle Hazoume, Partnerships and Business Development Director at Orange Money, said: <em>\u201cBanks cannot compete with the network of a mobile operator or the agility of a fintech,\u201d <\/em>highlighting each entity&#8217;s unique strengths.<\/p>\n\n<p>This sentiment reinforces the need for collaboration in realising a more inclusive financial landscape.<\/p>\n\n<h4 class=\"wp-block-heading\"><br \/><strong>Financial inclusion is about more than onboarding customers<\/strong><\/h4>\n\n<p>Achieving this requires a broader understanding of financial inclusion; it\u2019s not merely about increasing the customer base. Rather, it\u2019s about ensuring equitable access to a diverse array of financial services.<\/p>\n\n<p>This means expanding beyond traditional payment services and creating pathways for underserved populations to access essential financial resources, tools, and education.<\/p>\n\n<p>Partnerships between fintechs and traditional banks can lead to tailored products that cater to the unique needs of underserved populations \u2013 for instance mobile money providers can use their extensive customer bases to introduce users to banking products like savings accounts, credit options, and insurance coverage.<\/p>\n\n<p>In Kenya, 45% of mobile money users have expressed interest in accessing microloans<br \/>through their mobile platforms, suggesting a significant opportunity for collaboration.<\/p>\n\n<p>Omar Cisse, Managing Director and Founder of Intouch, said it is crucial for financial service providers to <em>\u201ckeep the customer at the centre of it all, and provide these services<\/em> <em>sustainably not as a gift, but as value to their customers\u201d.<\/em><\/p>\n\n<h4 class=\"wp-block-heading\"><strong><br \/>Data sharing can lead to bespoke financial services<\/strong><\/h4>\n\n<p>Banks and fintechs can also create robust pathways for data sharing among institutions. Advanced analytics can deepen our understanding of customer needs and preferences, enabling institutions to craft tailored financial solutions.<\/p>\n\n<p>This comprehensive approach would elevate customer satisfaction and open doors for marginalised communities.<\/p>\n\n<p>These insights were central to discussions during a roundtable at the Africa Financial Summit &#8211; AFIS 2024 in Casablanca, titled <em>\u2018Untapped Opportunities: Expanding Financial Services to Africa&#8217;s Fragile Market\u2019.<\/em><a id=\"_msocom_1\"><\/a><\/p>\n\n<p>\u00a0<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>With over 300 million people in Africa lacking access to basic financial services, Africa\u2019s financial industry cannot afford to become embroiled in rivalries between traditional banks, fintech companies, microfinance institutions, and telecom giants. By Bathsheba Asati, Principal Strategy Custodian, Amahoro Coalition, and Kwadwo Adjei-Barwuah, Head of Investment at Growth Investment Partners, Amahoro Coalition While many [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":17492,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[93],"tags":[122],"class_list":["post-16109","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital-financial-services-fintech","tag-122"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Opinion: Forget the fintech vs. bank battle \u2014Africa\u2019s financial future lies in unlikely alliances - The African Financial Summit Platform<\/title>\n<meta name=\"description\" content=\"Forget the fintech vs. bank battle\u2014explore why Africa\u2019s future depends on unlikely alliances among banks, fintechs, and telecom giants to serve over 300m unbanked citizens.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.afis.africa\/en\/african-fintech-bank-partnerships\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"32% of banks see fintechs, microfinance and telcos as threats \u2013 But should they?\" \/>\n<meta property=\"og:description\" content=\"Discover how one-third of banks view digital disrupters as a threat and why forming strategic alliances between fintechs, banks, and telecom giants could redefine financial inclusion in Africa.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.afis.africa\/en\/african-fintech-bank-partnerships\/\" \/>\n<meta property=\"og:site_name\" content=\"The African Financial Summit Platform\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-26T15:59:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-05T14:57:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.afis.africa\/wp-content\/uploads\/2025\/02\/Copie-de-Template-annonce-partenaire_AFIS-4.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Nadia AYARI\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nadia AYARI\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.afis.africa\\\/en\\\/african-fintech-bank-partnerships\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.afis.africa\\\/en\\\/african-fintech-bank-partnerships\\\/\"},\"author\":{\"name\":\"Nadia AYARI\",\"@id\":\"https:\\\/\\\/www.afis.africa\\\/fr\\\/#\\\/schema\\\/person\\\/eceaa7dfc9d3878f3b005cf1b6d6f1ae\"},\"headline\":\"Opinion: Forget the fintech vs. bank battle \u2014Africa\u2019s financial future lies in unlikely alliances\",\"datePublished\":\"2025-02-26T15:59:57+00:00\",\"dateModified\":\"2025-10-05T14:57:03+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.afis.africa\\\/en\\\/african-fintech-bank-partnerships\\\/\"},\"wordCount\":716,\"publisher\":{\"@id\":\"https:\\\/\\\/www.afis.africa\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.afis.africa\\\/en\\\/african-fintech-bank-partnerships\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.afis.africa\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/26-Feb-2025-Opinion-Forget-the-fintech-vs.-bank-battle-\u2014Africas-financial-future-lies-in-unlikely-alliances.png\",\"keywords\":[\"2025\"],\"articleSection\":[\"Digital financial services &amp; fintech\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.afis.africa\\\/en\\\/african-fintech-bank-partnerships\\\/\",\"url\":\"https:\\\/\\\/www.afis.africa\\\/en\\\/african-fintech-bank-partnerships\\\/\",\"name\":\"Opinion: Forget the fintech vs. bank battle \u2014Africa\u2019s financial future lies in unlikely alliances - 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