FinTech Policy Framework 2027-2035
Building Africa's FinTech Future
Africa’s young, mobile-first population has already shown what digital finance can do. This FinTech Framework 2027-2035 is a Make in Africa proposal for African governments, regional bodies and partner countries. It is a set of proposals, not law.
It aims to build African payment systems, platforms and skills that connect across borders under AfCFTA, so that value created by African fintech stays in Africa. We also ask partner economies to back this with fair capital, technology sharing and open markets for African financial services.
Vision for 2035
An African FinTech Ecosystem Built at Home
By 2035, this framework aims for an African fintech ecosystem that serves African producers and families, with these shared goals:
- Interoperable Payments: Link national and regional payment systems so that traders can pay and be paid across borders at low cost.
- African FinTech Hubs: Support hubs in every region, focused on digital payments, trade finance and financial inclusion.
- Creating Employment: Open skilled jobs for developers, analysts, entrepreneurs and financial professionals.
- Financial Inclusion: Use mobile and digital tools to widen access to accounts, credit and insurance for farmers, small manufacturers and women.
- Fair Finance for Makers: Direct more credit towards African manufacturers, and press partner countries for fairly priced guarantees and long-term funding.
Mission
Turning African Fintech into Fuel for Industry
This framework sets out the steps we propose to make fintech serve African production:
- Build on Existing Strengths: Grow digital banking, payments, insurance, lending and savings, led by African firms and institutions.
- Attract Patient Investment: Welcome investors who share ownership, skills and technology rather than only extracting fees.
- Connect Regional Systems: Align payment rules across the regional economic communities and work with Afreximbank and the African Development Bank on trade finance.
- Include the Underserved: Reach rural areas and informal traders with simple, safe and affordable financial services.
- Support Responsible Regulation: Work with national regulators on sandboxes, consumer protection and shared standards for responsible innovation.
Ease of Doing Business
Clear Approvals and Regulatory Support
We encourage African governments to set up single-window licensing for fintech, with clear timelines and shared rules across borders. Make in Africa does not issue licences. We introduce firms to the authorised regulators and advocate for faster, fairer processes.
Africa Building a FinTech Future by 2035
This FinTech Framework is a proposal for finance that works for African makers. Through regional payment links, patient investment and fair terms from partner economies, Africa can keep more of the value its people create and reinvest it at home.
FinTech Framework 2027-2035
Make in Africa invites fintech companies, investors and entrepreneurs to join us and help build a financial system that backs African production.
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The Make In Africa Global Summit (MIAGS) is a global platform connecting leaders, businesses, investors, institutions and policymakers shaping the next era of economic growth across the Global South and Africa.
MIAGS advances South–South cooperation, trade, investment, industrialization, technology, infrastructure and economic resilience, creating platforms for dialogue, strategic partnerships and cross-border opportunities.
Our mission is to strengthen the Global South and Africa’s role in the global economy by connecting capital with opportunity, innovation with markets and economic priorities with action—while fostering a more connected, productive and influential economic future.