Talk
The State of AI in African Fintech
Five layers, from regulation to the user’s screen
This keynote reads African fintech as infrastructure: five layers, each run by different institutions. Regulation and compliance at the base, then banking and payment rails, infrastructure and APIs, services and applications, and the user experience on top.
AI does not arrive as one more app. It enters each layer differently: in supervision and compliance, in the monitoring of payment rails, in credit and risk decisions, in the conversation with the customer.
Each layer also needs its own capacity to use AI and to oversee it: that of regulators, of institutions, and of the people who use the services. The keynote maps where that capacity exists and where it is still being built.
It closes on the choices each layer opens up: governance, privacy, inclusion. Fintech is a tool, and it is not neutral.
Questions this talk answers
- 01What are the five layers of African fintech, and where does AI enter each one?
- 02Who has the capacity to use and supervise AI in each layer, and where is it still missing?
- 03Which choices on governance, privacy and inclusion does each layer open up?
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