Podcasts about m pesa

Semafor reported that Flutterwave aims to become Africa's go-to fintech. The plan centers on unifying card payments, bank transfers, mobile money, and payouts under one provider across multiple African markets. Competition includes Safaricom's M-Pesa, MTN Group's MoMo, Paystack, and Chipper Cash. Regulatory approvals and compliance across countries such as Nigeria, Kenya, South Africa, and Egypt will determine execution speed. Merchants will evaluate providers on reliability, settlement, fraud controls, dispute handling, and foreign exchange tools. Partnerships with banks, telcos, card networks, and major platforms will influence adoption by enterprises and marketplaces.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

EPISODE DESCRIPTION I sat down with Mamadou Kwidjim Toure, co-founder of U-Tribe and GIFT (Gold International Fungible Token), to explore one of the most ambitious real-world asset projects I've come across. Mamadou spent decades in banking and early-stage investing across Africa , including in the first GSM projects and mobile payments before M-Pesa , and he turned that experience into a mission: giving anyone on earth access to physical, one-to-one backed gold from as little as 15 cents. We talk about why central banks are quietly buying more physical gold than at any point in the past 40 years, why the gold ETF market is dangerously over-encumbered, and how GIFT's MiCA-regulated token could become the financial safety net for 2.5 billion people across 35 countries. Mamadou also walks me through their quantum-enhanced wallet, their Ubuntu Academy for financial and digital literacy, and their upcoming STO launching in July. This one is packed with insight on the real shift happening in global finance right now. DISCLAIMERNothing mentioned in this podcast is investment advice and please do your own research. It would mean a lot if you can leave a review of this podcast on Apple Podcasts or Spotify and share this podcast with a friend. Be a guest on the podcast or contact us - https://www.web3pod.xyz/ CONNECT U-Tribe / GIFT: https://utribe.one/Twitter/X: https://x.com/UtribeOneWeb3 with Sam Kamani Podcast: https://www.web3pod.xyz/ KEY POINTS WITH TIMESTAMPS • [00:01] Sam introduces Mamadou and the GIFT tokenized gold project, noting the recent MiCA license in Europe• [01:36] Mamadou shares his background: 20+ years in African banking and tech investment, including early GSM and mobile payments before M-Pesa• [03:46] The origin of GIFT , one milligram of gold accessible from 15 cents on any mobile phone, backed one-to-one by physical gold• [05:06] The global financial shift: why the world is moving back toward asset-backed monetary systems and away from dollar dominance• [06:48] Central banks bought over 1,300 tons of gold last year and more physical gold in the past decade than the previous 40 years• [07:16] Why the gold ETF market is 10–15x over-encumbered and what that means for ordinary investors• [09:53] How blockchain solves the collateral problem for financial inclusion , instant loans from as little as 10 cents of gold• [10:42] GIFT holds a MiCA license in Europe and is upgrading to asset reference token status, with 30+ countries and 2.5 billion people in reach within five months• [13:05] Physical gold is stored in vaults in Zurich, Stuttgart, Copenhagen, Dubai, and Singapore, insured by Lloyds of London and audited on-chain• [16:30] The quantum-enhanced wallet , one of only four or five in the world , is live on Google Play Store and coming to App Store• [17:43] Ubuntu Academy inside the wallet: financial literacy, digital literacy, vocational training, and ethical leadership powered by a personalised AI tutor• [19:29] 10% of transaction fees go toward education and healthcare, including in the mining communities where the gold is extracted• [23:39] How Mamadou explains RWAs to newcomers: a digital title deed, like a certificate of ownership , no crypto jargon needed• [26:48] How to onboard: download the app on Google Play or visit utribe.gift.app, complete KYC, and pay via card, wire, mobile money, or voucher• [28:00] Key Web3 infrastructure shifts: NYSE moving $87 trillion of assets on-chain, DTCC moving on-chain, 130+ nations working on CBDCs• [30:55] Long-term vision: launching SIFT (Silver International Fungible Token), becoming a tokenization-as-a-service infrastructure provider• [33:20] Upcoming July STO (Security Token Offering) and tokenized convertible bond to finance gold extraction and fuel growth

Jason joins to discuss Tando, a Bitcoin payments app in Kenya that connects Lightning to M-PESA. We get into why M-PESA dominates Kenyan payments, how Tando lets Bitcoiners spend sats anywhere M-PESA is accepted, and why pragmatic fiat bridges help bootstrap real Bitcoin circular economies. Then we discuss phone numbers as financial identities, Lightning addresses for Kenyan phone numbers, KYC-free Bitcoin flows, merchant adoption, AI-assisted development, upcoming Kenya Bitcoin events, and the changing regulatory environment.Tando: https://tando.me/Tando on X: https://x.com/tando_meTando on Nostr: https://primal.net/p/nprofile1qqs97ekh6cxykm34l0m5ddrlymhj9rxrys3jemtf90psy3nysum0lkcvrgxmd Bitcoin Kenya: https://bitcoin.co.keEPISODE: 205BLOCK: 952989PRICE: 1640 sats per dollarmore info on the show: https://citadeldispatch.comlearn more about me: https://odell.xyzmonitor the situation: https://citadelwire.comten31: https://ten31.xyzopensats: https://opensats.org

This week we're talking to Joan Musenya about life in Kenya as a young person - from mobile money, to data protection, to government surveillance. Joan is a member of the Kenyan Community Advisory Team (K-CAT) helping to steer the Digital Health and Rights Project. Links- Digital Health and Rights Project report: https://digitalhealthandrights.com/resource-library/report-paying-the-costs-of-connection/- Find more from Joan: https://www.linkedin.com/in/joan-musenya/- PI's low cost tech work: https://www.privacyinternational.org/campaigns/privacy-shouldnt-be-luxury- More about shame based debt collection in Kenya: https://biznakenya.com/digital-lenders-kenya-debt-collection-warning/- More about what to do if you're experiencing harassment from debt collectors in Kenya: https://dealfish.co.ke/2025/03/mobile-loan-recovery-harassment-in.html- More about the history of M-Pesa: https://www.forbes.com/sites/christianstadler/2024/06/11/m-pesa-why-the-worlds-first-large-mobile-payment-platform-keeps-on-winning/- CNN apology to Kenya: https://www.newtimes.co.rw/article/121633/Latest%20News/cnn-boss-apologizes-to-kenya-over-terrorism-slur- PI's work on sim card registration: https://privacyinternational.org/learn/sim-card-registration

À l'occasion du Gitex Africa Morocco 2026 à Marrakech, Eco d'ici Eco d'ailleurs dresse un état des lieux de la tech et du développement de l'IA sur le continent — souveraineté des données, financement, inclusion rurale, langues africaines et modèles propres à l'Afrique. Au micro de Bruno Faure (RFI), un florilège d'invités venus de différents horizons pour décrypter les enjeux de cette bataille stratégique. GITEX Africa, organisé par le Dubai World Trade Centre, est un événement annuel combinant exposition et conférences organisé à Marrakech (Maroc). L'événement réunit des leaders technologiques, des innovateurs, des start-up et des décideurs politiques pour faire progresser la transformation numérique à travers le continent africain. LES INVITÉS

À l'occasion du Gitex Africa Morocco 2026 à Marrakech, Eco d'ici Eco d'ailleurs dresse un état des lieux de la tech et du développement de l'IA sur le continent — souveraineté des données, financement, inclusion rurale, langues africaines et modèles propres à l'Afrique. Au micro de Bruno Faure (RFI), un florilège d'invités venus de différents horizons pour décrypter les enjeux de cette bataille stratégique. GITEX Africa, organisé par le Dubai World Trade Centre, est un événement annuel combinant exposition et conférences organisé à Marrakech (Maroc). L'événement réunit des leaders technologiques, des innovateurs, des start-up et des décideurs politiques pour faire progresser la transformation numérique à travers le continent africain. LES INVITÉS

Global FinTech leader Hristian Drensky, CEO of MoreFin, exposes the hidden costs bleeding businesses dry in international payments. From multi-currency conversion fees to 30-day reconciliation delays, he reveals why "free" payment solutions aren't actually free and how Asia and Africa are outpacing the US and Europe in payment innovation. Hristian shares how real-time visibility and payment operations expertise can transform a company's cash flow and why automation—not headcount—is the future of scaling globally. Four Key Takeaways: Hidden payment costs are bleeding your business (6:12)Currency conversions, settlement fees, and transaction charges can add 5-6% to your costs when providers only advertise 2-3% rates. Small businesses especially overlook these hidden fees that significantly impact their bottom line. Real-time reconciliation is a competitive advantage (7:18)Waiting 30 days for payment reports means flying blind and losing cash flow optimization opportunities. Real-time visibility allows businesses to identify losses immediately and address them proactively rather than accepting inefficiencies as inevitable. Asia and Africa are ahead of the US and Europe (23:58)Countries without legacy banking systems adopted tech-first solutions like M-Pesa and WeChat Pay, creating faster, more efficient payment ecosystems. Meanwhile, advanced economies struggle with outdated infrastructure like checks and multi-day bank transfers. Automation beats headcount for scaling (32:21)Morphin operates with 26 people by automating repetitive tasks. Hristian's philosophy: if a task is repetitive, automate it. This approach allows small teams to outperform much larger organizations stuck in manual processes. Quote of the Show (37:38):"Dream more. A lot of things will happen anyway. You need to eat, breathe, sleep.. but people don't leave enough space to just dream. Dreaming is the first step to pushing your imagination beyond borders." - Hristian Drensky Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome. Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval Ways to connect with Hristian Drensky: LinkedIn: http://www.linkedin.com/in/alanpaulinCompany Website: https://mavislabs.ai How to get more Disruption/Interruption: Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755 Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlDSee omnystudio.com/listener for privacy information.

Carel van Wyk is the founder and CEO of MoneyBadger. MoneyBadger enables easy bitcoin payments at 650 thousand stores in South Africa. MoneyBadger on Nostr: https://primal.net/p/nprofile1qqsz85k206vm3vqdmlvcy9l4kyfqchlnf4hnctasxufa3ph0ck9decgpk49rf MoneyBadger on X: https://x.com/MoneyBadgerPayWesbite: https://www.moneybadger.co.za/EPISODE: 189BLOCK: 933542PRICE: 1112 sats per dollar(00:03:26) What is Money Badger? Mission and merchant focus(00:05:13) Paying anywhere in South Africa(00:05:27) 650,000 locations(00:07:04) Leveraging existing QR payment rails and the Pick n Pay breakthrough(00:10:01) How the flow works: bridging proprietary QR to Lightning(00:11:18) MoneyBadger app as translator vs. using any Lightning wallet(00:13:04) Fiat settlement, volatility handling, and business model(00:17:07) Why no Money Badger wallet? Integrations with Blink, Zeus, Aqua(00:20:20) A clever LNURL/Lightning Address pattern to decode merchant QRs(00:23:39) Pragmatic, a bit hacky, and works across wallets(00:28:04) Replicability beyond SA: Kenya's M‑Pesa, Ghana, Latin America(00:32:10) Creating demand: Bitcoin Ekasi as proof-of-use for Pick n Pay(00:35:15) Real usage: growth to ~5k tx/month and $200k volume(00:39:40) Who spends Bitcoin? From cash users to OGs and ideologues(00:42:34) Incentives and the challenge of moving the middle(00:43:42) Tax context in South Africa: capital gains thresholds(00:46:59) UX talk: tap-to-pay vs. QR, hardware realities and patience(00:49:12) Beyond POS: treasury, suppliers, and stablecoin pull(00:51:03) Bitcoin vs. stablecoins in SA usage; Luno/Binance integrations(00:55:07) Wild flexibility: paying with almost any token via partners(00:57:46) Urgency to prove Bitcoin as money before it's siloed(00:58:00) Hypothetical: Square/Cash App design vs. bridge approach(01:03:41) Consumer friction at checkout and signaling acceptance(01:07:38) Tipping, bridges to Venmo/Cash App, and cash realities(01:09:19) Call to action: spend Bitcoin to create demand(01:11:08) Wrap-up: plans to visit SA, links, and farewellmore info on the show: https://citadeldispatch.comlearn more about me: https://odell.xyz

Picture this: Life is beating you left, right and center and y call your friend to show up for you... INSTEAD, they send you M-Pesa as they're out dundaing. Is this what friendship has become? Money over presence? Today, Justin and Nicole ask; Can money really replace showing up? Like what you've heard so far? Connect with us!Instagram: @ThekenyanlifepodcastTikTok: @The kenyanlifepodcastSpotify and other podcast platforms: @Thekenyanlifepodcast

The Optimism Foundation proposes an OP token buyback. ADI Chain partners with M-Pesa. SharpLink deploys $170 million on Linea. And Vitalik Buterin calls for increasing bandwidth over reducing latency. Read more: https://ethdaily.io/857 Sponsor: Arkiv is an Ethereum-aligned data layer for Web3. Arkiv brings the familiar concept of a traditional Web2 database into the Web3 ecosystem. Find out more at Arkiv.network Content is for informational purposes only, not endorsement or investment advice. The accuracy of information is not guaranteed.

Vodacom heats up the African telecoms battle with the acquisition of an additional 20% of Safaricom for over R30 billion, aiming to consolidate the major Kenyan operator and M-Pesa. Meanwhile, FirstRand CEO Mary Vilakazi encourages businesses to look past headlines, citing constructive signs like corporate-led credit expansion and structural reforms. Minister of Agriculture, John Steenhuisen, discusses new interventions against the foot and mouth disease epidemic, including a planned mass vaccination campaign. Plus, former Springbok Flip van der Merwe shares his strategy consulting insights from France.

My guest today is Lorraine Marcel, founder of Bitcoin Dada and its technical arm Dada Devs for women across Africa. She's a financial activist reshaping Africa's fintech landscape by training women across 12 countries in financial literacy, Bitcoin fundamentals, and technical development. We talk about how mobile money like M-Pesa, limited banking access, and cultural barriers around property shape the economic reality for African women, and why Bitcoin in much of Africa is used first for payments and day-to-day survival rather than long-term savings. We also explore the expanding reach of CBDC and VASP regulation, and why women-led projects such as Tando and Dada Devs are critical for building practical, grassroots Bitcoin economies that actually serve people on the ground.► If you got value, please like, comment, share, follow and support my work. Thank you!-- SPONSORS --→ Get your TREZOR wallet & accessories, with a 5% discount, using my code at checkout (get my discount code from the episode - yep, you'll have to watch it): https://affil.trezor.io/SHUn→ Have you tried mining bitcoin? Stack sats directly to your wallet while saving on taxes with Abundant Mines: https://AbundantMines.com/Efrat – AFFILIATES –→ Get 10% off on Augmented NAC, with the code YCXKQDK2 via this link: https://store.augmentednac.com/?via=efrat (Note, this is not medical advice and you should consult your MD)→ Watch “New Totalitarian Order” conference with Prof. Mattias Desmet & Efrat - code EFRAT for 10% off: https://efenigson.gumroad.com/l/desmet_efrat → Get a second citizenship and a plan B to relocate to another country with Expat Money, leave your details for a follow up: https://expatmoney.com/efrat → Join me in any of these upcoming events: https://www.efrat.blog/p/upcoming-events -- LINKS –Lorraine's Twitter: https://x.com/marcelorraine  Lorraine's LinkedIn: https://www.linkedin.com/in/lorrainemarcel/ Bitcoin Dada Website: https://btcdada.com/ Dada Devs Website: https://dadadevs.com/ Efrat's Twitter: https://twitter.com/efenigsonEfrat's Channels: https://linktr.ee/efenigsonWatch/listen on all platforms: https://linktr.ee/yourethevoiceSupport Efrat's work: ⁠https://bit.ly/zap_efrat -- CHAPTERS –00:00 - Coming Up…01:50 - Lorraine's Background & Intro04:33 - Financial Challenges of African Women07:33 - Discovering Bitcoin & Initial Struggles09:33 - Building “Bitcoin Dada” For Women11:40 - Ad Break: Trezor & Abundant Mines20:45 - Lorraine's Mission Improves Lives23:13 - Women's Teaching Approach25:46 - Digital Payments & CBDCs in Kenya28:55 - Ad Break: Expat Money & New Totalitarian Order31:02 - Bitcoin Adoption & Regulation in Kenya, Surveillance & KYC33:58 - True Financial Empowerment34:58 - Women As Bitcoin Developers - Tando's Case Study38:48 - Circular Economies in Africa42:48 - HODLing vs. Using Bitcoin for Payments47:58 - Recognition in Lorraine's & Dada's Impact51:10 - How to Support Bitcoin Dada & Dada Devs

In der neuen Podcast-Folge spreche ich mit Stefan Heimlich, einem profunden Kenner der Elektromobilität. Stefan bringt nicht nur jahrzehntelange Branchenerfahrung mit, sondern war zuletzt in mehreren afrikanischen Ländern unterwegs und hat dort Entwicklungen gesehen, die in Deutschland viele überraschen dürften. Zu Beginn steigen wir direkt in das Thema Technologieoffenheit ein – ein Begriff, der in Deutschland gerne als Lösung für alle Probleme genutzt wird. Stefan ordnet das differenziert ein und macht deutlich, dass es stark auf das Segment ankommt. Besonders klar wird es im Kleinwagensegment: Hyundai verabschiedet 2026 den i10 und ersetzt ihn durch den rein elektrischen Inster. Für Stefan ist das ein Beispiel dafür, dass „Technologieoffenheit im Kleinwagensegment überhaupt keinen Sinn macht“, weil parallele Antriebsentwicklungen wirtschaftlich schlicht nicht tragbar sind. Premiumsegmente könnten das eventuell noch eine Zeit lang leisten, aber dort endet es für ihn auch schon. Spannend wird es, als Stefan seine Eindrücke aus Afrika teilt. Ein Kontinent, der oft unterschätzt wird, aber enorme Dynamik entwickelt. Von Marokko über Ägypten bis Kenia und Südafrika zeichnet er ein Bild von Ländern, die sich längst auf den Weg zur Elektromobilität gemacht haben – aus ökonomischen Gründen, aus industriepolitischen Motiven und aus gesellschaftlichem Druck einer jungen, gut ausgebildeten Bevölkerung. Marokko baut bereits Batteriefertigung und Ladeinfrastruktur auf, Ägypten hat klare Elektrifizierungsziele für 2040, und Äthiopien hat den Import von Verbrennern bereits seit 2024 verboten. Viele asiatische Player sind dort aktiv, Stellantis ebenso. Deutsche Hersteller spielen preislich kaum eine Rolle. Dabei kommt ein entscheidender Vorteil ins Spiel: erneuerbare Energien. Stefan beschreibt, wie Solar, Wind und vor allem Geothermie den Strom in vielen Ländern unschlagbar günstig machen. In Kenia stammen schon rund 90 Prozent der Energie aus diesen Quellen. Elektrische Motorräder – sogenannte Boda Bodas – dominieren dort inzwischen das Straßenbild, weil sie deutlich günstiger im Betrieb sind. Stefan berichtet: „Die kriegen das Grinsen gar nicht mehr aus dem Gesicht, weil sie schlicht mehr verdienen.“ Dass Elektromobilität dort funktioniert, liegt aber auch an der Infrastruktur. Nairobi, Mombasa oder Addis Abeba bauen Ladepunkte kontinuierlich aus – und das oft pragmatischer als wir es aus Europa kennen. In ländlichen Regionen lösen Solar-Kits teure Netzanschlüsse ab. Motorräder und Tuk-Tuks werden schnell elektrifiziert, Matatus – die typischen Shuttlebusse – folgen bereits, unterstützt durch neue Fertigungsstätten vor Ort. Mindestens genauso beeindruckend ist, wie weit viele afrikanische Länder bei digitalen Services sind. Stefan erklärt, dass man dort seit 20 Jahren mit M-Pesa bezahlt – lange bevor Smartphones überhaupt verfügbar waren. Bargeld ist kaum noch relevant, Behördengänge laufen digital und deutlich effizienter als hierzulande. Für ihn ist das dritte große Momentum der Mobilitätswende: Energie, elektrische Antriebe und Digitalisierung greifen ineinander. Nigeria, eigentlich bekannt als Erdölnation, schlägt inzwischen eine ähnliche Richtung ein. Die Regierung will elektrische Antriebe fördern, um Luftqualität zu verbessern und lokale Produktion aufzubauen. Hersteller wie Gogo Electric aus Uganda expandieren dorthin und eröffnen neue Werke. Dass E-Autos auch im Alltag funktionieren, zeigt Stefans Beispiel eines Uber-Fahrers in Nairobi im MG4, der ihm sagte: „Der fährt einfach, ist günstiger im Unterhalt – und im städtischen Sprint bin ich immer vorne.“ Am Ende bleibt eine klare Botschaft: Während in Europa oft noch diskutiert wird, entscheiden sich andere Regionen längst praktisch. Märkte für Verbrenner schrumpfen weltweit, und der Preisvorteil elektrischer Modelle wird immer deutlicher. Stefan bringt es mit seinem Appell zum Schluss auf den Punkt: „Diesen Pragmatismus täte uns in Deutschland auch gut.“ Nun aber genug de

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The latest episode of the Nomad Futurist Podcast spotlights Snehar Shah, a visionary technology leader who's transforming Africa's digital landscape. As CEO of IXAFRICA Data Centre and Ambassador of the Nomad Futurist Foundation, Snehar bridges continents, industries, and ideas, driving innovation on a global scale. Co-hosts Nabeel Mahmood and Phillip Koblence sit down with Snehar to trace his remarkable journey: from his small-town beginnings in Eldoret, Kenya, to the fast-paced finance and telecom hubs of the UK, and ultimately back home to Kenya, where he's shaping Africa's digital future. Snehar's path is one of intentional pivots and multidisciplinary mastery. Armed with an electrical engineering degree from Imperial College London and sharpened by years in global finance, he has cultivated a unique hybrid perspective: “I always considered it a superpower to have that ability to understand both worlds.” A central theme of this episode is Africa's extraordinary leapfrogging potential: building world-class digital infrastructure without being constrained by legacy systems. Snehar underscores this through a striking example: “Kenya is the birthplace of mobile money... even today, M-Pesa does more transactions than Western Union does globally. More than 80% of Kenya's GDP runs on the mobile phone.” Snehar's vision extends well beyond infrastructure. Through Moringa School, an edtech platform training thousands of software engineers and data scientists, he is fostering local talent and driving growth by building strong networks and strategic partnerships: “In order to succeed, I believe in building the right ecosystem. Without it, if you're doing it on your own, you'll struggle." His ultimate vision for the future is ambitious yet clear: to help drive sustainable growth in African tech infrastructure and talent and export those successes globally. Want to follow along on Snehar's journey? Connect with him on LinkedIn and witness how he's driving the next wave of global digital transformation.

Summary   In this episode, Wayne Marcel speaks with Eugene and Alex from Palma about their innovative wallet solution tailored for the African market. They discuss their backgrounds in crypto, the unique challenges faced in Africa regarding financial access, and how Palma aims to bridge the gap with a hybrid wallet model. The conversation also touches on the role of AI in development, the importance of education in crypto adoption, and the future plans for Palma as they aim to reach a significant user base.   Learn more about Palma and download the wallet: https://palmawallet.com/  Takeaways   Eugene has been in crypto since 2017, founding EOS Stripe and building various wallets. Palma Wallet addresses unique challenges in Africa's payment systems. Alex transitioned from a developer to a CTO to focus on company growth. Financial access is a primary goal for Palma Wallet. Education and trust are crucial for crypto adoption in Africa. AI has significantly reduced development time for Palma Wallet. Palma Wallet supports offline payments similar to M-Pesa. The app is designed to be accessible even on basic phones. Palma aims to reach 50K users by the end of the year. The founders emphasize the importance of understanding local markets. Chapters   00:00 Introduction to Palma and Its Founders 02:51 Eugene's Journey in Crypto and Wallet Development 05:44 Alex's Background and Vision for Palma 08:55 Unique Features of Palma Wallet 11:49 Challenges of Cryptocurrency in Africa 14:40 The Role of Education and Trust in Crypto Adoption 17:32 Building Trust and Peer-to-Peer Transactions 20:32 AI's Impact on Wallet Development 23:24 Future Plans for Palma Wallet 26:30 Final Thoughts and Conclusion

Cyril Chiche est le cofondateur et président de Lydia Solutions, la fintech derrière l'application Lydia – devenue en quelques années le synonyme du paiement mobile en France – et de Sumeria, sa nouvelle offre bancaire lancée en 2024. Avec son tout dernier produit, La Page Lydia, une url ou un QR code à partager, il est possible de se faire payer sans partager aucune données personnelles (ni 06, ni email, ni IBAN). Le payeur n'a pas besoin d'avoir l'application et le système est compatible avec 100% des banques de l'Union Européenne. Diplômé d'une école de commerce, il débute sa carrière dans les infrastructures technologiques pour data centers en France et aux États-Unis, avant de se lancer dans l'aventure entrepreneuriale. En 2011, il fonde Lydia avec Antoine Porte, porté par une intuition : l'iPhone et l'App Store vont bouleverser le quotidien, et la banque doit s'y adapter. Inspiré par M-Pesa, le système de paiement par mobile déployé au Kenya, il imagine une application simple, fluide et universelle.Le succès est fulgurant. Lydia s'impose d'abord chez les étudiants avant de conquérir plus de 8 millions d'utilisateurs, en majorité des 18-35 ans, au point de devenir un verbe du langage courant : « faire un Lydia ». Lydia pousse plus loin en créant Sumeria, une néobanque qui rémunère les dépôts et veut réinventer la relation de confiance avec les jeunes générations. À la croisée du design, de la tech et de la finance, Cyril Chiche incarne cette génération d'entrepreneurs français qui ambitionnent de bâtir des acteurs européens capables de rivaliser avec les géants américains et asiatiques. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

In this episode of the Canary Cast, Florian Hagenbuch, Co-Founder and General partner at Canary, sits down with Jose Gedeon, co-founder and CEO of Cobre, a Colombian fintech building the real-time B2B payments and cross-border infrastructure powering finance teams across Latin America. From his early fascination with M-Pesa’s case at the University of Pennsylvania, to failed attempts at building his own mobile money business in Colombia, a stint as a consultant at McKinsey New York, and a role at Oyo in Mexico, José shares how each chapter of his journey shaped the vision for Cobre. What started as white-label wallets for meal vouchers during the pandemic evolved into Colombia’s leading real-time B2B payments platform, now expanding rapidly into Mexico and cross-border flows. During the episode, José reflects on the unique challenges of scaling a fintech in LatAm, the pivotal customer moments that unlocked entirely new business lines, and the ambition of turning Cobre into the default infrastructure for payments across the region. In this episode, we dive into: From White-Label Wallets to Infrastructure: How Cobre pivoted from building digital wallets for meal vouchers into real-time B2B payments and treasury management. Cross-Border Breakthroughs: The customer emergency that sparked Cobre’s cross-border product and how it led to a new revenue line. The Role of Stablecoins: Why stablecoins are becoming increasingly relevant in illiquid or high-cost currency corridors like Colombia, Turkey, and Argentina. Scaling in Mexico: How Cobre reached $100M in monthly volume in only 8 months in Mexico—10x faster than in Colombia. Vision for the Future: Why Jose believes it’s still “day zero” for Cobre and how the company aims to become the de facto B2B payment infrastructure for LatAm. Founder Lessons: Biggest mistakes, wins, and the cultural values that define the Cobre team. Whether you’re a founder, operator, or fintech enthusiast, this episode offers a masterclass in product pivots, client-focused culture, scaling infrastructure in emerging markets, and building with ambition in one of the most dynamic regions in the world. Tune in to hear how Cobre is not only modernizing payments in Colombia and Mexico, but also shaping the future of financial infrastructure across Latin America. Guest: Jose GedeonJose is the co-founder and CEO of Cobre, a fintech modernizing B2B payments and cross-border infrastructure in Latin America. Cobre moves billions annually, already processing ~3% of Colombia’s GDP, and recently raised its Series B led by Oak HC/FT, with participation from Canary and other global investors. Follow Jose on LinkedIn Host: Florian HagenbuchFlorian is the co-founder and General Partner at Canary, a leading early-stage investment firm in Brazil and Latin America. Canary has invested in more than 130 companies since its founding in 2017. Previously, Florian founded Loft, a company that digitized and transformed the home buying experience in Brazil, bringing transparency, liquidity, and credit to millions of Brazilians. Before that, Florian also co-founded Printi, the leading online printing marketplace in Latin America. Follow Florian on LinkedInHighlights:00:55 – 07:30 | Jose's Background & Early Influences07:30 – 08:08 | The Impact of COVID on Colombia's Financial Digitization08:10 – 11:07 | University Years, Early Attempts & Lessons Learned11:16 – 14:47 | Corporate Finance Pain Points Cobre Set Out to Solve & the First Iteration: White-Label Wallets14:55 – 16:11 | Cobre's First Business Model and Learnings on Pricing Power and Revenue Potential16:20 – 18:57 | Pivot to Real-Time B2B Payments and Building Colombia's First and Only Real-Time B2B Payment Infrastructure19:00 – 21:00 | Bre-B, the "PIX" of Colombia21:02 – 26:19 | Expansion into Cross-Border Payments and Different Customer Bases26:20 – 28:54 | Money Corridors in Colombia29:00 – 32:22 | Stablecoins & Tech Stack in Cross-Border Payments33:00 – 36:00 | Expansion to Mexico & Early Learnings 36:00 – 37:00 | Key Numbers, Scale & Vision37:00 – 43:07 | Future Plans and Raising Successful Venture Rounds43:08 – 47:40 | Founder Lessons & Culture47:40 – 52:12 | Conclusion: Recommended Content for ListenersRecommended Content: 1. Elon Musk biography by Walter Isaacson2. The World for Sale by Javier Blas and Jack Farchy3. Read, Write, Own by Chris DixonTranscrição do Episódio em Português: Hoje, estamos movimentando cerca de 3% do PIB da Colômbia dentro da Cobre.É um número muito grande.Mas, ao mesmo tempo, também é pequeno.Copo meio cheio, copo meio vazio.Isso nos dá bastante espaço para crescer. Agora, mudando para o inglês, para facilitar um pouco para você.José, muito obrigado por estar aqui. Agradeço por dedicar seu tempo. Estou muito animado para conversar com você. Como contexto, o José é cofundador e CEO da Cobre, uma fintech colombiana que está se expandindo para o México. Vocês rapidamente se tornaram uma das principais plataformas de pagamentos B2B em tempo real e de gestão de tesouraria corporativa na Colômbia — e, em breve, também no México. Sob sua liderança, muitas coisas empolgantes aconteceram. Vocês já escalam para centenas de empresas nesses dois países. Estão movimentando algo em torno de 18 bilhões em volume anual em folha de pagamento e pagamentos a fornecedores.E, o mais importante, estão se tornando uma camada crítica de infraestrutura para times financeiros modernos na região. Estou muito animado com este episódio, em mergulhar na sua jornada empreendedora, José, como a Cobre está modernizando os pagamentos corporativos, o cenário fintech na América Latina de forma mais ampla e, claro, a visão que você tem para o futuro da companhia. José, obrigado por se juntar a nós. É um prazer enorme ter você aqui hoje. José:Florian, o prazer é meu. A Canary foi a primeira firma de venture capital que acreditou na Cobre — e também o primeiro investimento de vocês fora do Brasil. Na época, nós até dissemos ao Marcos que expandiríamos para o Brasil… ainda não aconteceu.Mas tem sido uma ótima história até aqui, e vocês têm sido apoiadores incríveis. Obrigado. Florian:Sim, lembro bem disso. Inclusive, naquela época vocês tinham outro nome, não era? Acho que era “Pexto”, se não me engano.As coisas mudam, mas estamos felizes que deu certo. José, talvez possamos começar um pouco falando do seu histórico e da sua trajetória pessoal. Pode nos contar sobre sua origem e o que você fazia antes de empreender? José:Claro. Eu nasci e cresci em uma cidade pequena da Colômbia chamada Cartagena. Hoje é turística e bastante conhecida, mas, quando eu crescia lá, era apenas um destino nacional, relativamente pequeno. Eu, inclusive, nasci em Barranquilla porque minha mãe era de lá — que é ainda menor.De Barranquilla vêm muitas coisas conhecidas: Shakira, a Avianca (nossa companhia aérea nacional), e as últimas duas empresas colombianas que abriram capital nos EUA também são de lá.É uma cidade muito empreendedora. Talvez um bom precedente para a Cobre, não é? Venho de uma família de imigrantes libaneses — extremamente trabalhadores e empreendedores. Cresci aprendendo, por osmose, o que significava ser um empresario. Homens e mulheres da minha família sempre fundaram e até hoje administram empresas. Era um ambiente muito natural para acabar trilhando o caminho que trilhei. Depois tive o privilégio de estudar na Universidade da Pensilvânia. Meu primo Felipe — hoje cofundador da Cobre — estudava lá um ano antes de mim. Eu nunca achei que conseguiria entrar, mas consegui, e fui para a Penn cursar a graduação. No meu primeiro ano, li um business case sobre a M-Pesa, considerada precursora do dinheiro móvel — e, por consequência, de boa parte do que chamamos hoje de fintech: Zelle, Venmo, Paytm, GCash…A ideia original surgiu da M-Pesa, um serviço criado pela Vodafone que permitia às pessoas enviar dinheiro via SMS. Hoje, algo como 20% do PIB do Quênia transita pela M-Pesa. É completamente ubíquo. Inspirado nisso, tentei várias vezes criar algo parecido na Colômbia durante meus verões na Penn, mas obviamente falhei — afinal, eu não era uma empresa de telecomunicações. Ainda assim, essa experiência me mostrou como uma infraestrutura de pagamentos em tempo real poderia transformar a vida de milhões de pessoas e empresas. Ao me formar, voltei para a Colômbia para tentar de novo. E falhei mais uma vez. Foi aí que percebi: “o problema sou eu, preciso aprender a construir empresas de verdade”. Então fui trabalhar na McKinsey em Nova York. Passei um ano e meio lá e tive como cliente uma das maiores gestoras de venture capital do mundo. Eu era apenas analista júnior na equipe, mas aprendi muito sobre como os VCs pensam. Isso me levou a largar o emprego em Nova York e me mudar para a Cidade do México, para trabalhar na Oyo Rooms, um dos grandes unicórnios da Índia. A ideia era aprender mais sobre startups de hiperescala do que eu aprenderia ficando na consultoria. Fiquei um ano e meio na Oyo — até a pandemia começar. Com a COVID, percebi: “este é o momento certo para digitalizar pagamentos na Colômbia”. As empresas estavam forçadas a mudar. E foi quando decidi voltar a Bogotá, em junho de 2020, para tentar mais uma vez. E agora, cá estamos. Florian:Muito interessante. Não sabia de todas essas tentativas que não deram certo antes.Aliás, eu também estudei na Penn, me formei em 2010. Você foi alguns anos depois, certo? José:Sim, me formei em 2018. E naquela época, o ambiente ainda era mais voltado para carreiras tradicionais. A maioria queria ir para consultoria, bancos de investimento ou fundos. Eu era um dos poucos insistindo em empreender já na graduação. Participei até de competições de startups do MBA, porque não havia para undergrad. (continua na mesma estrutura — alternando Florian / José, até o final da conversa que você compartilhou).

In this episode of Tech Talks Daily, I sat down with Boris Bialek, VP and Field CTO at MongoDB, for a conversation that moved well beyond databases. As AI continues to accelerate across sectors, MongoDB is positioning itself at the intersection of modern data architecture and intelligent application development. Boris shared how his team is simplifying AI adoption for enterprises, with a clear focus on real-world outcomes, developer productivity, and global inclusion. We began by exploring MongoDB's recent acquisition of Voyage AI. This move extends MongoDB's native capabilities into vector search, embeddings, and re-rankers, allowing developers to build AI-powered applications more efficiently. Boris explained how MongoDB is removing the complexity from AI integration by providing a unified API, collapsing what used to be 18 disconnected tools into a streamlined developer experience. But the discussion wasn't just about technology. Boris brought a passionate focus to the issue of financial inclusion. We talked about how AI can enable alternative credit scoring for the 27 percent of adults globally who remain unbanked. By analyzing behavioral signals such as mobile payment histories or utility data, AI can help unlock microcredit opportunities for individuals and small businesses in underserved regions. Boris shared use cases from PicPay in Brazil, M-Pesa in Africa, and Proxtera in Singapore, each demonstrating how AI and MongoDB are enabling new forms of digital trust. We also tackled the organizational and technical hurdles to enterprise AI adoption. From fears about hallucinations to managing constant model updates, Boris described how MongoDB is building systems that prioritize transparency, auditability, and scale. With its document model and integrated tooling, MongoDB offers a stable foundation for companies navigating fast-moving AI transformations. For developers, the platform now includes learnmongodb.com and quick-skill badges designed to make AI approachable and hands-on. And with the upcoming release of Boris's new book, there's more to come on how businesses can move from pilot experiments to production-grade solutions. How is your organization rethinking its data strategy to make AI work at scale?

Lex chats with Harish Natarajan - Practice Manager, Financial Inclusion and Infrastructure, Finance, Competitiveness & Innovation at the World Bank, and Carlos Brandt - The Senior Advisor for Pix at the Central Bank of Brazil. Together they discuss the remarkable success of Pix, Brazil's real-time payment system, which now sees over 6 billion transactions per month and is used by more than 90% of the adult population and 80% of companies. Lex explores how Pix was created by the Central Bank of Brazil with strong public-private collaboration, backed by regulatory authority and supported by a co-creation model with stakeholders. Key to its adoption were a low-cost centralized infrastructure, clear branding, mandatory participation by large banks, and a robust national communication strategy. Globally, Pix is seen as a leading example of fast payment system deployment, driven by the central bank acting as a neutral coordinator and scheme owner. Lex also examines the technical architecture, built in-house by a surprisingly small team of 55–65 people, and how scalable infrastructure and extensibility have enabled rapid growth and innovation. NOTABLE DISCUSSION POINTS: 1. Pix achieved mass adoption through public-private co-creation and legal mandate:Pix now processes over 6 billion transactions per month, with 90% of Brazil's adult population and 80% of businesses actively using it. Its success stems from a strategic legal mandate in 2013 granting the Central Bank regulatory and operational authority over retail payments. The Central Bank then led a co-creation process involving both public and private stakeholders through the Pix Forum, fostering alignment, inclusivity, and strong network effects.2. A lean but powerful team built a nation-scale real-time payments system:The Pix infrastructure was built entirely in-house by a relatively small team, 30-40 people for the technical infrastructure layer and around 25 for the payment scheme layer. It operates 24/7 with real-time settlement and uses centralized infrastructure separate from Brazil's traditional large-value payment rails. This centralized, purpose-built architecture dramatically lowered costs and enabled rapid rollout.3. Strategic communication and mandated participation drove adoption at scale:The Central Bank led a national communication campaign to build trust, establish a strong brand identity, and educate the public. Simultaneously, it mandated major banks (with over 500,000 active accounts) to join Pix, triggering widespread voluntary adoption from smaller PSPs. The rollout included a restricted pilot phase and emphasized user-friendly features like QR codes and aliases to boost convenience and usage from day one. TOPICS Pix, Central Bank of Brazil, World Bank, Visa, Citibank, M-Pesa, Alipay, SPI, fintech, payments, PSP, API, Fast Payments, Payments Infrastructure, PayTech ABOUT THE FINTECH BLUEPRINT 

Het lightning network is al even een vaste waarde binnen Bitcoin. Supersnelle betalingen, die ook nog eens vrijwel gratis zijn, werken al een tijdje goed. Toch is er ook nog een hoop werk aan de winkel, onder meer op het gebied van de adoptie van de technologie. Een grote groeikans ligt op het continent Afrika, waar Bitcoin de laatste jaren écht geland is. Te gast is Ramon Korpel, onder meer initiatiefnemer van Bitcoin Babies en producent van de Connect The World-podcast. Met Bitcoin Babies richt Ramon zich op jonge moeders in Kenia. Via bitcoin krijgen zij financiële ondersteuning vanuit Nederland. Het project werd gestart na een idee van de vrouw van Ramon, een Keniaanse. De ondersteuning gebeurt via bitcointransacties, die eenvoudig en zonder tussenkomst van tussenpartijen kunnen worden uitgevoerd. Hoewel veel van de ontvangers gewend zijn aan mobiel geld zoals M-PESA, staan ze volgens Ramon open voor bitcoin — zeker als het voordeel en de waarde direct duidelijk worden. Omwisselen naar lokale valuta is mogelijk, maar in veel gevallen wordt het geld direct besteed bij acceptanten of binnen de gemeenschap zelf. De belangstelling voor Lightning lijkt de laatste tijd wat minder zichtbaar, maar volgens Ramon groeit het netwerk mee met Bitcoin. Achter de schermen wordt gewerkt aan de uitrol van technische verbeteringen, zoals Bolt12. In Afrika groeit Lightning dankzij praktische toepassingen, met name in gebieden waar traditioneel bankverkeer ontbreekt. Volgens recente cijfers telt het Lightning-netwerk ruim 15.000 nodes en is de totale capaciteit nog altijd groeiende, al blijft de decentralisatie een punt van aandacht. Grote beurzen en custodial wallets zorgen voor toegankelijkheid, maar roepen vragen op over controle en privacy. De ontwikkeling van non-custodial alternatieven loopt parallel, al blijft het gebruik ervan voor veel mensen een brug te ver. Technisch is Lightning nog volop in ontwikkeling. Nieuwe innovaties worden getest, maar een echte concurrent voor het netwerk lijkt er voorlopig niet te zijn. ARK wordt soms genoemd, maar is nog niet volwassen en werkt óók samen met het lightning network. Voorlopig blijft Lightning de meest gebruikte oplossing voor snelle en goedkope bitcoinbetalingen. Co-host is Jacob Boersma. Gasten Ramon Korpel Jacob Boersma Links Bitcoin Babies Connect the World-podcast Host Daniël Mol Redactie Daniël MolSee omnystudio.com/listener for privacy information.

What happens when you build direct connections to over 350 real-time banks and wallets worldwide? You create what Thunes CEO Floris de Kort calls "the smart superhighway to move money around the world."The limitations of traditional cross-border payments are all too familiar for businesses operating globally. SWIFT transfers take days, lack transparency, come with hefty fees, and stop completely on weekends and holidays. Thunes is revolutionizing this outdated model by enabling real-time payments across 130 countries and 80 currencies through direct connections to financial institutions and alternative payment methods.During this revealing conversation, Floris explains how Thunes has built a powerful competitive advantage through direct integrations with payment endpoints like GCash in the Philippines and M-Pesa in Kenya. Unlike competitors who rely on chains of aggregators, these direct connections deliver higher transaction success rates, more cost-efficient processing, and faster issue resolution when problems arise.Perhaps most compelling is how Thunes' services are enabling financial inclusion in emerging markets. By facilitating immediate payments to mobile wallets, they're helping unbanked individuals participate in the global economy - like ride-share drivers in Africa who can now receive instant payment, purchase fuel, and continue earning without traditional banking infrastructure.With licenses now secured in all 50 U.S. states and a new office opening in Atlanta, Thunes is positioned for aggressive growth in American markets, particularly serving U.S. companies with global payment needs.

So I get why Jeff Bezos isn't popular in Venice this week. But why would Africans in general, and Kenyans in particular, not love Bill Gates after the philanthropist pledged to give away $200 billion of his fortune to Africa? According to Tablet staff writer, Armin Rosen, it's because Gates' top-down, metrics-driven approach often ignores what Africans actually want. Drawing from extensive on-the-ground reporting in Kenya, Rosen highlights how Gates' Alliance for a Green Revolution in Africa pushed unwanted agricultural technologies onto Kenyan farmers, while his foundation received controversial diplomatic immunity from Kenya's unpopular President Ruto. Though acknowledging Gates' successes in vaccination programs, Rosen questions whether billionaire-led development truly helps or undermines local agency and democratic governance. Maybe Gates should, instead, pledge his billions to Venice to enable the sinking city to outlaw tasteless American celebrity marriages. 1. Gates' philanthropy often imposes unwanted solutions on Africans Rosen argues that Gates consistently brings his own technological fixes to problems without consulting the people he claims to help, particularly through initiatives like the Alliance for a Green Revolution in Africa. KEY QUOTE: "So a lot of his philanthropy either sort of goes towards bringing his own solutions to these places or his money is spent in such a way that there isn't a lot of consultation with the people that he's actually trying to help."2. The Gates Foundation operates with government-scale power and spending With massive operational costs and diplomatic immunity, the foundation wields influence comparable to state actors, raising questions about accountability and democratic oversight. KEY QUOTE: "The Gates Foundation spends something like $140 million a year just on travel expenses... They have the same scale as a government agency."3. Gates has become deeply unpopular in Kenya due to political associations His close relationship with Kenya's controversial President Ruto has damaged his reputation among Kenyans who already distrust their government and foreign interference. KEY QUOTE: "At the moment, Bill Gates is not a very popular person in Kenya. And the reason for his bad name is the trust deficit with the government."4. Diplomatic immunity controversy reveals troubling governance patterns The secretive granting of legal immunity to the Gates Foundation, announced after deadly protests against the government, exemplified the lack of transparency that fuels public mistrust. KEY QUOTE: "The Gates Foundation had gotten full diplomatic immunity from the Kenyan government... it was relatively unusual in Kenya for any non-governmental organization to get that kind of legal protection."5. Local innovation often outperforms foreign philanthropy African societies frequently develop their own solutions more effectively than external interventions, as demonstrated by Kenya's creation of mobile money systems that became global models. KEY QUOTE: "It turns out that these societies can kind of solve their problems on their own... Kenya is where basically mobile money began, you know, and M-Pesa is a Kenyan invention." At least Gates isn't spending $200 billion on gross Venetian weddings. Despite all Rosen's valid criticisms of Gates' African interventions, I think we should still prefer billionaires who try (however imperfectly) to solve global problems over those buying massive yachts and throwing obscenely expensive parties. Armchair philanthropy criticism is easier than solutions.Keen On America is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit keenon.substack.com/subscribe

In this episode of Healthy Mind, Healthy Life/AiBiz, guest host Sana sits down with Mhamud Charania, an entrepreneur who transformed a small maize milling operation into a leading food manufacturer and expanded into multiple sectors across Africa. Mhamud shares his 26-year journey, starting from selling snacks as a teenager in Rwanda, to building companies in Mozambique, Kenya, and beyond. His ventures span manufacturing, paints, fintech, and mobile banking. Mhamud discusses the challenges of scaling businesses in emerging markets, the role of discipline and mindset, and how to stay steady amidst political and economic uncertainties. His insights offer valuable lessons for anyone navigating entrepreneurship in unpredictable environments. About the Guest: Mhamud Charania is a serial entrepreneur with business operations across East and Southern Africa. From food manufacturing to paints (Crown Paints) and fintech (M-Pesa distribution), Mahmoud has built diversified enterprises that employ over 2,000 people. His practical approach blends resilience, strategic partnerships, and a deep understanding of emerging markets. Key Takeaways: Entrepreneurship is a long-term game with inevitable failures. Discipline and adaptability are crucial when operating in unstable markets. Leveraging local gaps can open new sectors, as seen in his shift from trading to manufacturing. Building trust and helping others along the way creates long-term opportunities. Every chaotic situation holds hidden opportunities if approached with the right mindset.   Connect with Mhamud Charania:Email: mhamud.charania@gmail.com  LinkedIn: https://www.linkedin.com/in/mhamud-charania-24670057/   Want to be a guest on Healthy Mind, Healthy Life? DM on PM - Send me a message on PodMatch DM Me Here: https://www.podmatch.com/hostdetailpreview/avik Tune to all our 15 podcasts: https://www.podbean.com/podcast-network/healthymindbyavik Subscribe To Newsletter: https://healthymindbyavik.substack.com/ Join Community: https://nas.io/healthymindStay Tuned And Follow Us!• YouTube – https://www.youtube.com/@healthymind-healthylife• Instagram – https://www.instagram.com/healthyminds.pod• Threads – https://www.threads.net/@healthyminds.pod• Facebook – https://www.facebook.com/podcast.healthymind• LinkedIn – https://www.linkedin.com/in/reemachatterjee/ | https://www.linkedin.com/in/avikchakrabortypodcaster #podmatch #healthymind #healthymindbyavik #wellness #HealthyMindByAvik #MentalHealthAwareness #StorytellingAsMedicine #PodcastLife #PersonalDevelopment #ConsciousLiving #GrowthMindset #MindfulnessMatters #VoicesOfUnity #InspirationDaily

The way to manifest your identity in Christ is not by knowing something but about knowing someone. That someone is the Holy Spirit. If this message blessed you, please consider supporting this ministry. For Card and MPESA, please follow this link https://checkout.mookhpay.com/link/adullam or use MPESA till number 5379741

In This Episode In a rare and inspiring crossover episode, Breaking Banks teams up with Barefoot Innovation to bring you a special dispatch from Necker Island, BVI. Hosted by Brett King and Jo Ann Barefoot, this episode captures the energy and insight of a one-of-a-kind fintech gathering organized by Virgin Unite: an event bringing together innovators from around the world, from a cross section of industry, exploring what the future of finance could (and should) look like. Podcasts hosts and speakers Brett and Jo Ann share their talks and insights from this carbon neutral event, connecting with Dr. Nick Hughes, OBE, father of M-Pesa, co-founder of M-Kopa and now Managing Director 4rdigital.com, the fourth revolution is digital, to cover all things fintech. Listen as these leaders discuss applications of fintech in other markets and all that is possible if we come out of our silos and collaborate -- the combination of problem solving perspectives, resources, networks and more can make an impact on some of the world's toughest challenges. We have the tech to do what we need to do, the potential is enormous! If you're looking for inspiration and forward-thinking ideas this episode delivers!

Jo Ann sits down with her friend Brett King and M-Pesa founder Nick Hughes on this special crossover episode of Barefoot Innovation & Breaking Banks, recorded live at Virgin Unite's “Change: Fintech Leaders Gathering” on Necker Island.

We're joined by Dante Disparte, Chief Strategy Officer and Head of Global Policy at Circle, one of the biggest issuers of stablecoins (USDC) in the world.   This year marks an important inflexion point for stablecoins as adoption and key regulation kicks in. We're glad to have some one like Dante who has worked at the intersection of finance, technology, and policy, including his role on the US Digital Currency Governance Consortium and the World Economic Forum. As one of the central figures behind USDC, Circle's fully-reserved dollar-based stablecoin, he breaks down the real-world applications of stablecoins, how they differ from traditional banking rails, and what this means for billions of people globally.   We dive into: • How traditional banking rails are fundamentally broken, and why stablecoins collapse messaging and settlement into a single, real-time action. • Why USDC is a safer, 1:1 dollar-backed alternative to traditional banking deposits. • How stablecoins are already transforming economic life in emerging markets. • The global policy implications of programmable digital money. • Why this is not about disrupting traditional finance—but completing its unfinished work.   Stablecoins represent a transformative opportunity to rebuild the global financial system in an open, instant, and borderless manner, akin to how the internet revolutionized information sharing. By eliminating intermediaries and leveraging blockchain technology, stablecoins can significantly reduce transaction costs and times, making financial services more accessible and efficient worldwide. This shift has the potential to democratize finance, enabling seamless global commerce and innovation, much like how email and the web democratized communication and information access.    Key Takeaways from the Episode: 1.⁠ ⁠Stablecoins Collapse Messaging and Settlement into One Layer: Unlike traditional systems like SWIFT or PayPal, where a payment is just a message and settlement lags behind, stablecoins like USDC send the actual value along with the message—executing real-time, programmable transactions.   2.⁠ ⁠The World's Financial Plumbing Is Broken: Slow, expensive, and opaque systems benefit incumbents who profit from delays. Stablecoins offer an open, interoperable alternative—what Dante calls the "Internet of Value."   3.⁠ ⁠USDC is 1:1 Backed – Not Fractional Reserve: Circle holds 100% of reserves in cash and short-term US Treasuries. Fully transparent, independently audited, and free from commingling, USDC is designed for trust at scale.   4.⁠ ⁠Emerging Markets Are Leading Adoption: USDC is being adopted as a store of value and medium of exchange in places with volatile local currencies, enabling billions of unbanked and underbanked users to access the global economy.   5.⁠ ⁠Stablecoins Enable New Forms of Programmable Finance: From streaming payments to tokenized IP ownership, stablecoins unlock composable, automated financial systems. Think of it as building with financial Lego blocks.   6.⁠ ⁠Interoperability Is Key: Circle's Cross-Chain Transfer Protocol (CCTP) and integration with 18+ blockchains allow USDC to operate natively across ecosystems—much like email works across providers.   7.⁠ ⁠Stablecoins vs. CBDCs vs. Bitcoin: Dante lays out why stablecoins (especially private-sector ones) offer better trust, scalability, and flexibility than central bank digital currencies (CBDCs) or highly volatile assets like Bitcoin.   8.⁠ ⁠Global Policy Must Catch Up: Governments should embrace rules-based competition and interoperability, rather than stifling innovation. Stablecoins are not here to replace sovereign currencies—they're here to complete unfinished work in the financial system.   Join us for a masterclass in monetary innovation and policy with one of the most visionary voices in fintech.   Follow our host on Linkedln to know more or subscribe to our emailing list to get new episodes directly into your inbox. Timestamps: (00:00) - Intro (01:28) - What is Stablecoin? (02:15) - How does decentralized digital money differ from early platforms like PayPal? (03:46) - How does money actually settle using SWIFT and traditional banking systems? (05:47) - Why is the traditional global settlement system a black box—and what makes it so outdated? (11:10) - Why does the world need stablecoins in a modern financial system? (16:56) - Why are stablecoins like USDC gaining massive traction in emerging markets? (20:29) - How do mobile money systems like M-Pesa compare to USDC in emerging markets? (23:32) - Is USDC revolutionizing remittance corridors through partnerships in emerging markets? (27:12) - Will USDC become a part of everyday banking and be usable at points of sale? (35:47) - Does USDC operate on a full-reserve model instead of fractional reserve banking? (38:39) - Is USDC's future too dependent on the U.S. dollar's global reserve currency status? (45:59) - Can central banks like the Bank of England issue digital currencies on open-source USDC rails? (48:59) - What would a strategic Bitcoin reserve mean for U.S. monetary policy and global finance? (51:26) - Is the U.S. strategy to dominate digital finance through both USDC and Bitcoin reserves? (55:36) - What happens to local currencies if global citizens start holding USDC instead? (59:13) - Can USDC inflows help strengthen foreign exchange reserves in emerging markets like Kenya? (62:32) - What does the future of money and daily finance look like by the year 2100? (64:54) - What key regulations are needed now to shape the future of digital finance? (66:23) - Outro    

Ein Leben ohne Bank? Für uns unvorstellbar in anderen Gegenden der Welt schon vielleicht Realität? Könnte man zumindest an Orten wie Kenia schon meinen. Denn statt Bankkonto setzen dort viele auf einen Zahlungsverkehr aus SMS-Basis. Auch in den Philippinen, Indien, Tansania, Lesotho… die Liste ist lang. Ein Leben ohne Bankkonto – mit dem digitalen Euro könnte das auch für uns Realität werden.**********In dieser Folge:00:02:40 - Alternative Bezahlsysteme - WTF is M-Pesa?00:10:40 - M-Pesa vs. Bank - Von Unterschieden und (Un-)Sicherheiten00:17:18 - Entering Digitaler Euro - Was bedeutet das für uns in Europa?00:23:16 - Wahres für Bares / Fazit**********An dieser Folge waren beteiligt: Gesprächspartner: Volker Brühl, lehrt und forscht als Wirtschaftswissenschaftler und Bankenexperte am Center of Financial Studies, Goethe-Universität Frankfurt Gesprächspartner: Rebecca und Emanuel, M-Pesa-Nutzer aus Kenia Hosts: Anne-Catherine Beck und Bo Hyun Kim Recherche und Faktencheck: Lino Krukenberg und Laura Mattausch Produktion: Uwe Breunig Redaktion: Anne Göbel**********Die Quellen zur Folge:Aker, Jenny, et al. "Mobile Money." VoxDevLit, Vol. 2, No. 2 (2023): 1-33. Suri, Tavneet, und William Jack. "The long-run poverty and gender impacts of mobile money." Science, 10. Juni 2016, Vol. 354, No. 6317, S. 1288-1292. Safaricom Newsroom. How M-Pesa was created. Safaricom.Statista. M-Pesa customer numbers 2024. Statista, 2024.Safaricom. FY24 Results Booklet. Safaricom, 9. Mai 2024.Alle Quellen findet ihr hier.**********Weitere Beiträge zum Thema:Neue Bezahlmöglichkeit: Was uns der digitale Euro bringen könnteMedikamente Ozempic und Wegovy: Wie Spritzen den Finanzmarkt aufmischenCash in de Täsch: Wie shady Bargeld wirklich ist**********Habt ihr auch manchmal einen WTF-Moment, wenn es um Wirtschaft und Finanzen geht? Wir freuen uns über eure Themenvorschläge und Feedback an whatthewirtschaft@deutschlandfunknova.de.**********Den Artikel zum Stück findet ihr hier.**********Ihr könnt uns auch auf diesen Kanälen folgen: TikTok und Instagram .

In dieser Folge sprechen wir über Jonas Eindrücke aus Suriname, der sich vor Ort ein Bild darüber machen konnte, wie Bitcoin in einem Land mit wirtschaftlicher Instabilität, hoher Inflation und Korruption wahrgenommen wird. Wir sprechen über die Rolle der Präsidentschaftskandidatin Maya Parbhoe, die sich offen für Bitcoin positioniert und wie die Bevölkerung mit Bitcoin umgeht. Außerdem gehen wir der Frage nach, ob es Mining im Land gibt und vergleichen die Situation mit Ländern wie Äthiopien, El Salvador und Südafrika.

What separates a good business from a truly great one? In this episode, I sit down with Bugra Altuntas, the writer and creator behind Founder Marketer, one of my favourite newsletters on business and marketing.Bugra has spent HOURS studying the patterns behind transformational companies, and he's also a hotel owner, bringing a unique perspective on both digital and physical businesses.Don't forget to subscribe to Founder Marketer & access incredible pieces like this one on M-PESA!What we discuss;✅ The biggest factors behind successful businesses—past, present, and future✅ Why founder obsession and niche expertise create cult-like customer loyalty✅ Painkiller vs. vitamin products—and why solving urgent problems wins every time✅ The unexpected lessons Bugra has learned from running a physical business✅ The future of business and marketing—what founders should be paying attention toKeen to learn more about personal growth, career and money?   Find me on Instagram or Tik Tok  Thank you for listening, it means so much to me. Please leave a comment, rating or review if you're enjoying and we will chat in the next episode. Need help creating a CV? Here's one of the best FREE CV creators.  Want to get in touch directly?   sarah@theoneupproject.nz  Disclaimer: All opinions are my own, please seek professional financial advice.

Saints, do you know who you are? Through Christ Jesus, you have been given the power to BE God's child. Do you understand what that means? Let's delve into that in this new series of messages called "The Believer's Identity". If this message blessed you, please consider supporting this ministry. For Card and MPESA, please follow this link https://checkout.mookhpay.com/link/adullamOr use MPESA till number 5379741

Hello Team Adullam!! On episode 3 of our series on Divine Rest we look at how our Shepherd is not just My Shepherd or The Good Shepherd but also a Trustworthy Shepherd. If this message blessed you, please consider supporting this ministry. For Card and MPESA, please follow this link https://checkout.mookhpay.com/link/adullam or use MPESA till number 5379741.

Hello Team Adullam!! On episode 2 of our series on Divine Rest we look at how our Shepherd is also The Good Shepherd. "The good shepherd sacrifices his life for the sheep”. He is the Good Shepherd who has done whatever it takes to ensure you receive the Divine Rest He desires for you to live in. If this message blessed you, please consider supporting this ministry. For Card and MPESA, please follow this link https://checkout.mookhpay.com/link/adullam or use MPESA till number 5379741

Hello Team Adullam!! We start a new series where we talk about the Divine Rest that is available to us who have put our faith in Jesus. In this episode we look at Psalms 23. Through this Psalms we learn that the journey of Divine Rest begins with the acknowledgement that the Lord is MY Shepherd. If this message blessed you, please consider supporting this ministry. For Card and MPESA, please follow this link https://checkout.mookhpay.com/link/adullam or use MPESA till number 5379741

In October 2022, Safaricom launched its telecommunications services in Ethiopia, marking a major milestone as the first private operator to enter the Ethiopian telecom market. This move broke the long-standing monopoly of state-owned Ethio Telecom and was seen by many as a significant step towards liberalising the country's telecom sector. The company had officially been licensed in July 2021, with a record $850 million licensing fee—the largest foreign direct investment in Ethiopia at the time. Safaricom committed to investing around $8 billion over the next decade to build its infrastructure and services, aiming to enhance competition and improve connectivity for millions of Ethiopians. However, Safaricom's launch did not come without challenges. The rollout faced delays due to socioeconomic and security issues within the country. Initially planned for an earlier start, the company adopted a phased approach, beginning with services in Dire Dawa and targeting expansion to 25 cities by April 2023. That move reportedly saw significant infrastructure investments being made, including the construction of mobile towers and a national transmission network, alongside the importation of over $300 million worth of equipment. Episode overview: Fast forward to October 2024, in this episode of the African Tech Roundup Podcast, Yahya Banafa gives Andile Masuku a behind-the-scenes peek at the challenges and opportunities Safaricom is facing as it continues to establish itself in Ethiopia. He offers a practical perspective on building and deploying modern telecom infrastructure from scratch in a market that's evolving rapidly. Key topics: • Planning and engineering a mobile network in a new market • Tackling Ethiopia's unique terrain and altitude challenges • Balancing regulatory hurdles with business goals • Managing unexpected surges in data demand • Forming strategic partnerships within the telecom sector • Exploring the future potential of mobile money services • Optimising network coverage across diverse landscapes • Introducing 5G technology to meet growing demand • Meeting the digital needs of Ethiopia's younger generation • Addressing competition from new market entrants like Starlink Notable points: Banafa delves into the complex process of network planning, touching on the importance of meeting both regulatory standards and service quality benchmarks. He explains how Safaricom has adjusted its approach to handle Ethiopia's high-altitude regions and varied geography. The conversation reveals that higher-than-expected demand for data services has pushed Safaricom to accelerate its 5G rollout. There's also a discussion about the potential of mobile money services in Ethiopia, with insights drawn from the success of M-Pesa in Kenya. Banafa stresses the importance of collaboration across the telecom sector to enhance the customer experience. Listen in for valuable insights into the strategic decisions behind Safaricom's efforts to establish a cutting-edge telecom network in Ethiopia. It sheds light on how technology, regulations, and market dynamics intersect to shape the country's digital future. Editorial Note: This interview was recorded at the fringes of NOVACOM Africa 1-to-1 Telco Summit 2024 in Franschhoek, South Africa, where Andile Masuku attended as an independent media guest. African Tech Roundup maintains complete editorial oversight and is not affiliated with the event organisers. Image credit: Gift Habeshaw

Commercial Banking in Kenya: A History from Colonisation to Digital Age (Routledge, 2024) investigates the impact of commercial banks in Kenya right through from their origins, to their role during the colonial period, the process of adaptation following independence, and up to their responses to new challenges and economic policies in the twenty-first century. The British colonisation of East Africa required the development of diverse political, social and economic institutions to advance and exercise control over the territories and their populations. Multinational commercial banks were among the first institutions, with the National Bank of India, Standard Bank of South Africa and Barclays Bank DCO all setting up business in Kenya, whilst continuing to maintain close relationships with the UK and other colonial actors. This book assesses the impact of commercial banks during the last years of colonial domination and the tools they used to adapt in the first decades of independence. The book concludes by considering how the colonial banking system has influenced the development of modern financial institutions in Kenya in the twenty-first century. This book argues that commercial banks are fundamental to understanding African colonies, and the foundations over which the financial system of contemporary Africa was constructed. It will be of interest to researchers of banking, economic history, the colonial period, and African studies. Christian Velasco was born in Mexico City and studied History at the National Autonomous University of Mexico (UNAM), where he specialized in economic history. In 2013, he was awarded a master's degree at the London School of Economics, with a comparative study of banking in Ghana and Botswana. The University of Warwick awarded him a PhD in 2019, working under the supervision of David Anderson and Daniel Branch, with a dissertation titled The Kenyan Banking System: From Colonial Expansion to Independence Uncertainty, 1950–1970. He is currently full-time academic staff at the Centro de Investigación y Docencia Económica (CIDE) in Mexico City. Other publications discussed during the interview are: Rouse, M. , Bátiz-Lazo, B., and Carbo-Valverde, S. (2023) ‘M-Pesa and the role of the entrepreneurial state in a cashless technology to deliver an inclusive financial sector', Essays in Economic and Business History, 41, pp. 109-133. Velasco, C. (2022), "The African Savers and the Post Office Savings Bank in Colonial Kenya (1910–1954)," The Journal of Imperial and Commonwealth History, DOI: 10.1080/03086534.2021.2020426 Willis, J. & Velasco, C. (2024), "Saving, Inheritance and Future-Making in 1940s Kenya," Past & Present, https://doi.org/10.1093/pastj/gtae013 Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Commercial Banking in Kenya: A History from Colonisation to Digital Age (Routledge, 2024) investigates the impact of commercial banks in Kenya right through from their origins, to their role during the colonial period, the process of adaptation following independence, and up to their responses to new challenges and economic policies in the twenty-first century. The British colonisation of East Africa required the development of diverse political, social and economic institutions to advance and exercise control over the territories and their populations. Multinational commercial banks were among the first institutions, with the National Bank of India, Standard Bank of South Africa and Barclays Bank DCO all setting up business in Kenya, whilst continuing to maintain close relationships with the UK and other colonial actors. This book assesses the impact of commercial banks during the last years of colonial domination and the tools they used to adapt in the first decades of independence. The book concludes by considering how the colonial banking system has influenced the development of modern financial institutions in Kenya in the twenty-first century. This book argues that commercial banks are fundamental to understanding African colonies, and the foundations over which the financial system of contemporary Africa was constructed. It will be of interest to researchers of banking, economic history, the colonial period, and African studies. Christian Velasco was born in Mexico City and studied History at the National Autonomous University of Mexico (UNAM), where he specialized in economic history. In 2013, he was awarded a master's degree at the London School of Economics, with a comparative study of banking in Ghana and Botswana. The University of Warwick awarded him a PhD in 2019, working under the supervision of David Anderson and Daniel Branch, with a dissertation titled The Kenyan Banking System: From Colonial Expansion to Independence Uncertainty, 1950–1970. He is currently full-time academic staff at the Centro de Investigación y Docencia Económica (CIDE) in Mexico City. Other publications discussed during the interview are: Rouse, M. , Bátiz-Lazo, B., and Carbo-Valverde, S. (2023) ‘M-Pesa and the role of the entrepreneurial state in a cashless technology to deliver an inclusive financial sector', Essays in Economic and Business History, 41, pp. 109-133. Velasco, C. (2022), "The African Savers and the Post Office Savings Bank in Colonial Kenya (1910–1954)," The Journal of Imperial and Commonwealth History, DOI: 10.1080/03086534.2021.2020426 Willis, J. & Velasco, C. (2024), "Saving, Inheritance and Future-Making in 1940s Kenya," Past & Present, https://doi.org/10.1093/pastj/gtae013 Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/history

Commercial Banking in Kenya: A History from Colonisation to Digital Age (Routledge, 2024) investigates the impact of commercial banks in Kenya right through from their origins, to their role during the colonial period, the process of adaptation following independence, and up to their responses to new challenges and economic policies in the twenty-first century. The British colonisation of East Africa required the development of diverse political, social and economic institutions to advance and exercise control over the territories and their populations. Multinational commercial banks were among the first institutions, with the National Bank of India, Standard Bank of South Africa and Barclays Bank DCO all setting up business in Kenya, whilst continuing to maintain close relationships with the UK and other colonial actors. This book assesses the impact of commercial banks during the last years of colonial domination and the tools they used to adapt in the first decades of independence. The book concludes by considering how the colonial banking system has influenced the development of modern financial institutions in Kenya in the twenty-first century. This book argues that commercial banks are fundamental to understanding African colonies, and the foundations over which the financial system of contemporary Africa was constructed. It will be of interest to researchers of banking, economic history, the colonial period, and African studies. Christian Velasco was born in Mexico City and studied History at the National Autonomous University of Mexico (UNAM), where he specialized in economic history. In 2013, he was awarded a master's degree at the London School of Economics, with a comparative study of banking in Ghana and Botswana. The University of Warwick awarded him a PhD in 2019, working under the supervision of David Anderson and Daniel Branch, with a dissertation titled The Kenyan Banking System: From Colonial Expansion to Independence Uncertainty, 1950–1970. He is currently full-time academic staff at the Centro de Investigación y Docencia Económica (CIDE) in Mexico City. Other publications discussed during the interview are: Rouse, M. , Bátiz-Lazo, B., and Carbo-Valverde, S. (2023) ‘M-Pesa and the role of the entrepreneurial state in a cashless technology to deliver an inclusive financial sector', Essays in Economic and Business History, 41, pp. 109-133. Velasco, C. (2022), "The African Savers and the Post Office Savings Bank in Colonial Kenya (1910–1954)," The Journal of Imperial and Commonwealth History, DOI: 10.1080/03086534.2021.2020426 Willis, J. & Velasco, C. (2024), "Saving, Inheritance and Future-Making in 1940s Kenya," Past & Present, https://doi.org/10.1093/pastj/gtae013 Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/african-studies

Today we're joined by Sitoyo Lopokoiyit, CEO of M-PESA Africa, who has played a pivotal role in growing M-PESA across 8 African markets. Sitoyo shares the fascinating story behind M-PESA's evolution from a mobile money service into a full-fledged digital ecosystem, empowering consumers, businesses, and developers through an open API program. We also covered:- The role of regulation in fintech- Cross-border payments and cost reduction- The adoption of blockchain and AI  - Balancing innovation and competition with open architecture - The future of CBDCs in Africa  - National payment infrastructure players and their impactDon't miss this insightful conversation on how M-PESA is reshaping financial inclusion across Africa and leading the fintech revolution. Our website

Send us a textImagine a city where you can walk amongst skyscrapers one moment and spot a giraffe the next. Our guest, Vincent, fresh from a two-month adventure in Nairobi, takes us on an extraordinary journey through Kenya, sharing firsthand experiences from his upbringing near Lake Victoria to his current life in the Bay Area. We explore Kenya's diverse tribes and educational system, and the unique blend of English and Kiswahili that colors daily conversations.This episode shines a light on Kenya's rich cultural traditions and culinary delights, especially during Christmas. Discover how Kenyans celebrate the festive season with grand feasts and family gatherings, rather than focusing on gift-giving. We also discuss the regional culinary treats you can't miss, from succulent tilapia to the freshest coastal seafood. And if you're a travel enthusiast, our guest's tips on the best times to visit Mombasa, Lamu, and Malindi will be invaluable.Finally, we delve into the vibrant sports culture and cosmopolitan lifestyle of modern Nairobi. Learn about the city's affordability compared to places like the Bay Area, the innovative mobile payment system M-Pesa, and the must-visit spots like Nairobi National Park and the Masai Mara National Reserve. Plus, get a taste of Kenya's sweet side with desserts like mandazi and mahamri, and explore the nation's music traditions that range from the ancient Nyatiti to contemporary Afrobeats. Tune in for a rich, multifaceted look at Kenyan life, culture, and travel that promises to both inform and inspire.Map of KenyaSupport the showPlease download, like, subscribe, share a review, and follow us on your favorite podcasts app and connect with us on Instagram: https://www.instagram.com/wherenextpodcast/View all listening options: https://wherenextpodcast.buzzsprout.com/HostsCarol Springer: https://www.instagram.com/carol.work.lifeKristen: https://www.instagram.com/team_wake/ If you can, please support the show or you can buy us a coffee.

In mid-August 2024, Rob traveled to East Africa. He visited four cities (Nairobi, Mombasa, Kigali, and Kampala) in three countries (Kenya, Rwanda, and Uganda). In the postcard, Rob discusses what he saw and what he learned. The main topics discussed are the region's cities, economies, and stock markets, corruption, freedom, Chinese and Western money, foreign aid, entrepreneurship, M-Pesa, and demographics.

Caleb Maru called M-Pesa the "company that changed Kenya forever", and the crazy thing is, its impact was even bigger than that - because the dominoes that M-Pesafirst tipped over in Kenya, seventeen years ago, are still having an impact all over East Africa. In today's episode, I'm speaking to Nassor Abubakar, an M-Pesa veteran and digital lending expert who is spreading mobile-first digital loans across Tanzania with NMB Bank.You should follow Nassor on LinkedIn for https://www.linkedin.com/in/nassabuba/ NMB is at https://www.nmbbank.co.tz/ and on LinkedIn at https://www.linkedin.com/company/nmb-plc/ and on Twitter, Facebook, InstagramThe Finscope Report mentioned can be accessed here: https://www.afi-global.org/wp-content/uploads/2023/08/Finscope-Tanzania-2023-Report-Insights-that-Drive-Innovation.pdf Caleb Maru's TechSafari is at https://www.techsafari.io/ or jump straight to the M-Pesa story at https://techsafari.beehiiv.com/p/company-changed-kenya-forever I'm on LinkedIn and always open to new genuine connections - https://www.linkedin.com/in/brendanlegrange - please do reach out, and follow the show's page, tooMeanwhile, my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ and on episode 24 of this show https://www.howtolendmoneytostrangers.show/episodes/episode-24If you have any feedback or questions, or if you would like to participate in the show, please feel free to reach out to me via the contact page on this site. Hosted on Acast. See acast.com/privacy for more information.

support dispatch: https://citadeldispatch.com/donate ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EPISODE: 121BLOCK: 836261PRICE: 1416 sats per dollar TOPICS: how machankura works, bitcoin adoption in Africa, difficulties, opportunitiesproject website: https://8333.mobi/ new to nostr? try ⁠https://primal.net⁠nostr live chat: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://citadeldispatch.com/stream⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠nostr account: ⁠https://primal.net/odell⁠youtube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@citadeldispatch⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠podcast: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.podpage.com/citadeldispatch⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠stream sats to the show: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.fountain.fm/(00:00:02) Intro Clip: Bitcoin and Austin Texas on CNBC(00:06:00) Intro to Machankura(00:07:45) Discussion about Machankura(00:09:22) Explanation of USSD and M-Pesa(00:10:04) Discussion about the use of Bitcoin in Africa(00:23:44) Discussion about the impact of Bitcoin in Africa(00:38:30) Discussion about the growth of Bitcoin usage in Africa(00:45:39) Bitrefill's presence in Namibia and South Africa(00:48:17) Challenges of selling Bitcoin in Africa(01:19:58) The importance of building for local environments(01:30:36) Discussion about the size and structure of OpenSats(01:31:19) Challenges in supporting more Africans in OpenSats(01:31:47) Cultural differences and catching up in open source development(01:32:25) KG's experience with Bitcoin and savings(01:34:48) Initiatives to bring more women into Bitcoin in Africa(01:35:38) The need for patience and time in developing the developer pipeline in Africa(01:36:35) Future plans for another conversation and updates

The story of East African fintech is built around the mobile phone. Not the smartphone, mind you, but the humble feature phone. In markets where all but the most significant of locations lacked an established infrastructure of landlines and local bank branches, these phones leapfrogged both: powered by pre-paid sim cards that often served as a secondary currency and cleverly leveraged USSD technologies. But it has been seventeen years since M-PESA arrived on the scenes and yet traditional credit tools have often failed to cross the floor - in Uganda, the credit bureaus are filled with the data of there are just 2.4 million traditionally banked consumers, while a further 14 million sit waiting, with their data-rich mobile banking histories all but ignored.But no more. In today's epsidoe I'm speaking to Charles Wandia of gnuGRID who, with Airtel, have built a national-level mobile credit score.gnuGRID is the first and only indigenous credit reference bureau in Uganda, enabling financial inclusion through credit information sharing - and you can find them online at https://gnugridcrb.com/ You can also watch the official launch of that score at: https://www.youtube.com/watch?v=4VbEI_0l57A&t=19s gnuGRID is also on LinkedIn, of course, as is Charles Wandia: https://www.linkedin.com/in/charles-wandia-983b4a65/As you'll hear on the show, Charles also offers tailor-made training on credit scorecard development via Credit Tick Consulting at https://www.linkedin.com/company/credit-risk-tick-consulting/Speaking of LinkedIn, that's where you can also find and connect with me: https://www.linkedin.com/in/brendanlegrange (please do reach out, follow the show's page, and share the content with your networks)Meanwhile, my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ and on episode 24 of this show https://www.howtolendmoneytostrangers.show/episodes/episode-24If you have any feedback or questions, or if you would like to participate in the show, please feel free to reach out to me via the contact page on this site.Keep well, Brendan Hosted on Acast. See acast.com/privacy for more information.

Our expert host Kate Moody is joined by some great guests to talk about The Great Wealth Transfer. As Baby Boomers pass on an estimated $84 trillion of wealth, they discuss how the products and services to support Millennials will differ, how this may impact established wealth management institutions, and ask how will this change the wealth management landscape in the future? They also take stock of where the industry currently is and how well equipped, or not, it is to deal with the challenges that lie ahead AND they discuss some of the broader trends in this space to understand what needs to be done and how. This week's guests include: Daniel Hegarty, Founder & CEO at Communion Antoinette Rodriguez, President at MarFi Advisors and Chairwoman at Financial Advisor Magazine's Invest In Women --------------------------------------- Fintech Insider by 11:FS is a bi-weekly podcast dedicated to all things finance, banking, technology, and financial services.  Our expert hosts, with real industry experience, are joined by the biggest decision-makers, VCs, and reporters from across financial services including guests from Visa, Nubank, M-Pesa, Starling, and JP Morgan Chase to discuss the latest news, developments, and trends within the industry. Our weekly news show drops every Monday and tackles the biggest news stories, from acquisitions and launches, to regulatory changes and innovation. Then, every Friday our Insights show dives deeper into the hottest topics shaping the industry like web3 and BNPL. Whether you're already immersed in the world of financial services, or just keen to learn more, this is the #1 podcast for you. If you enjoyed this episode, don't forget to subscribe and please leave a review Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com! Learn more about your ad choices. Visit megaphone.fm/adchoices

Our expert host Benjamin Ensor is joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week, including Yapily and Ant Group bringing Commercial VRPs to Europe, new research from Wise highlighting the impact of junk fees, and Airwallex are getting into Formula 1. PLUS, do you think you could be fooled by a deepfake? Get ready for a mind-blowing scam that cost one bank $25m... This week's guests include: Valentina Kristensen, Director of Growth & Communications at OakNorth Roland Selmer, CPO at Yapily Rina Wulfing, Senior Policy Lead for North America at Wise We cover the following stories from the fintech and financial services space: Ant International and Yapily Launch Europe's First Commercial Variable Recurring Payments (VRPs) for e-Commerce (04:35) Research from Wise highlights the widespread consequences of junk fees on American consumers (18:35) Airwallex race into partnership with Formula 1 team McLaren (33:36) Australian payments firm Fat Zebra buys open banking outfit Adatree (46:30) HSBC instals the first of ten ‘cash pods' in towns with no bank branches (55:43) Hong Kong finance worker gives $25m to fraudsters after call with deepfaked CFO (57:43) --------------------------------------- Fintech Insider by 11:FS is a bi-weekly podcast dedicated to all things finance, banking, technology, and financial services.  Our expert hosts, with real industry experience, are joined by the biggest decision-makers, VCs, and reporters from across financial services including guests from Visa, Nubank, M-Pesa, Starling, and JP Morgan Chase to discuss the latest news, developments, and trends within the industry. Our weekly news show drops every Monday and tackles the biggest news stories, from acquisitions and launches, to regulatory changes and innovation. Then, every Friday our Insights show dives deeper into the hottest topics shaping the industry like web3 and BNPL. Whether you're already immersed in the world of financial services, or just keen to learn more, this is the #1 podcast for you. If you enjoyed this episode, don't forget to subscribe and please leave a review Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com! Learn more about your ad choices. Visit megaphone.fm/adchoices

In celebration of US Black History Month, our expert host Kate Moody, Strategy Director at 11:FS, is joined by some great guests to discuss civil inequality in the banking system. This week's guests include: Rodney Williams, Co-Founder at SoLo Funds Jamilia Grier, Founder & CEO at ByteBao Asya Bradley, Founder and Angel Investor Conversations around inclusion are much bigger than just banking. It's a systemic problem which has always existed and still remains a very real issue today, and this episode tackles these issues head on. They discuss how and why non-white communities are being underserved by traditional banks and celebrate some of the work being done to tackle that. They also look at how we can harness fintech for good to drive meaningful change. --------------------------------------- Fintech Insider by 11:FS is a bi-weekly podcast dedicated to all things finance, banking, technology, and financial services.  Our expert hosts, with real industry experience, are joined by the biggest decision-makers, VCs, and reporters from across financial services including guests from Visa, Nubank, M-Pesa, AltFi, Starling, and JP Morgan Chase to discuss the latest news, developments, and trends within the industry. Our weekly news show drops every Monday and tackles the biggest news stories, from acquisitions and launches, to regulatory changes and innovation. Then, every Friday our Insights show dives deeper into the hottest topics shaping the industry like web3 and BNPL. Whether you're already immersed in the world of financial services, or just keen to learn more, this is the #1 podcast for you. If you enjoyed this episode, don't forget to subscribe and please leave a review. Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!