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Top 3 Fintech Sectors to Watch Out for in 2022 Across Africa
 What will be the trendiest sectors in fintech in 2022?
According to analysts offering API services to legacy institutions that serve MSMEs, the top fintech sectors to watch out for in 2022 are:
Lets break down these 3 sectors further:
1.) Mobile Money
According to research, mobile subscriber penetration across Africa is set to increase by four percentage points to hit 615 million customers by 2025, meaning an upsurge in mobile transacting is certain.
The fastest adopters of mobile payments are small, medium, and micro enterprises (SMMEs), which, according to the African Development Bank (AfDB), account for more than 90% of businesses and almost 80% of employment in Africa.
Some of the benefits these business will be seeking as they move from a, primarily, cash accepting service, include:
Moreover, PoS solutions and QR code payments should be of interest as they continue giving businesses access to loans, insurance, and other vital financial services previously out of their reach.
Chat banking is another hot trend highlighted for 2022.
2.) Cross – Border Payments
Remittance inflows to sub-Saharan Africa are expected to double in 2022 from the 2021 value of $45 billion.
According to experts, 2022 is set to experience even more movement of remittances through innovative digital platforms away from legacy financial institutions.
Some pain points the innovative digital platforms will be working around include:
3.) Buy Now Pay Later (BNPL)
This method of deferred payment allows buyers to increase their cash flow and budget more easily by splitting payments into four or six installments, interest free.
The trend and sector is expected to drive the growth of ecommerce further as more retailers get on board.
“48% of BNPL platform users will not buy from a merchant if they don’t offer BNPL while almost 80% of shoppers would not have made their most recent online purchase if not for the BNPL service.”
– Business Developer, Ukheshe, Africa
Analysts say firms that will be eager to collaborate, create partnerships, and engage with innovation will most likely be the leaders in the best solutions around the three trends.