Research

How AI is shaping fintech in Africa.

In Africa, fintech is less a product category than a layer of national infrastructure. I study how these systems are designed, from architecture to APIs, and how a national fintech sector forms around its regulators, banks, operators and startups.

Publications

Selected publications

Hamid Nach presenting to participants — Africa Business School · Rabat, Morocco

2025· FinTechFeature Paper
Nach, H. (2025). A Delphi study investigating the development of the Moroccan fintech ecosystem: Key challenges and opportunities. FinTech, 4(4), 66.
doi.org/10.3390/fintech4040066
2025· Quality & Quantity · Springer
Nach, H. (2025). An analysis of the news coverage of fintech in Africa: A natural language processing approach. Quality & Quantity, 59(2), 839 to 877.
doi.org/10.1007/s11135-024-02045-y
2026· Research Handbook on FinTech · Edward Elgar
Nach, H., & Mursi, J. (2026). Financial inclusion through frugal innovation: Cases from emerging economies. In D. Salampasis & P. Schueffel (Eds.), Research Handbook on FinTech (pp. 356 to 375). Edward Elgar.
doi.org/10.4337/9781035321421.00038
2025· ICTMOD · IEEE
Mursi, J. K., Mwarika, S., Nach, H., Bukusi, N., Musomba, A., Murimi, W., & Kiboi, M. (2025). AI against smishing in Kenya: Culturally adapted SMS scam detection for digital trust. In 2025 IEEE International Conference on Technology Management, Operations and Decisions (ICTMOD) (pp. 1 to 8). IEEE.
doi.org/10.1109/ICTMOD66732.2025.11371821

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