Uru rutonde ngarukamwaka rwiswe World’s Top Fintech Companies 2026, rugaragaza ko Afurika iri kugenda igira uruhare rukomeye mu isoko ry’ikoranabuhanga mu by’imari, cyane cyane mu bijyanye no kwishyurana hakoreshejwe ikoranabuhanga, serivisi za banki z’ikoranabuhanga, ubwishingizi ndetse no gutanga inguzanyo hifashishijwe ikoranabuhanga.
Ibigo byatoranyijwe byapimwe hashingiwe ku buryo bikora neza, ubushobozi bwo kwaguka, inyungu bibyara, uko byubahiriza amabwiriza ndetse n’imbaraga bifite mu masoko bikoreramo.
Muri ibyo bigo 17 by’Afurika, 13 bikora mu bijyanye no kwishyurana hakoreshejwe ikoranabuhanga (payments), bikaba ari na cyo gice Afurika ikomeye cyane muri fintech.
Nk’uko tubikesha ikinyamkuru Business Insider Africa, ibigo byagaragaye muri iki cyiciro birimo Flutterwave, Interswitch, Moniepoint, MTN MoMo, MyFawry, OPay, Paga, PalmPay, pawaPay, Paymob, Paystack, Redtech na Yoco.
Nigeria ni cyo gihugu cyagize umubare munini w’ibigo byinjiye kuri uru rutonde, aho rwagaragayeho ibigo birimo Flutterwave, Interswitch, OPay, Paga, PalmPay, Paystack na Redtech.
Ibi bijyanye n’uko Nigeria ari rimwe mu masoko akomeye muri Afurika mu bijyanye no kwishyurana hakoreshejwe ikoranabuhanga. Imibare y’Ikigo gishinzwe imikoranire y’amabanki muri Nigeria (NIBSS) igaragaza ko ibikorwa byo kwishyurana hakoreshejwe ikoranabuhanga muri icyo gihugu byageze ku gaciro ka miliyari 702 z’amadolari ya Amerika mu 2024.
Mu bigo byagaragaye, Flutterwave kibarizwa muri Nigeria ni cyo gifite agaciro kanini ku isoko.
Iki kigo cyashinzwe na Olugbenga Agboola, kandi cyabaye ikimenyabose nyuma yo kubona ishoramari mu cyiciro cya Series E ryatumye agaciro kacyo kagera hafi kuri miliyari 3.2 z’amadolari, bityo kigera ku rwego rw’ibigo byitwa unicorn.
Hari kandi ibindi bigo bikomeye nka Paystack, cyaguzwe n’ikigo cyo muri Amerika cya Stripe mu 2020, ndetse na Interswitch, kimwe mu bigo bya mbere byubatse ibikorwa byo kwishyurana hakoreshejwe ikoranabuhanga muri Afurika.
Uretse Nigeria, Afurika y’Epfo na Misiri nabyo byagaragaje iterambere rikomeye muri uru rwego.
Afurika y’Epfo yagaragajweho ibigo birimo MTN MoMo na Yoco. MTN MoMo ikoresha umuyoboro mugari wa sosiyete y’itumanaho MTN mu gutanga serivisi zo kohereza amafaranga, kwishyura serivisi no kugura ibintu.
Muri 2025, MTN MoMo yari ifite abayikoresha biyandikishije barenga miliyoni 13 muri Afurika y’Epfo.
Yoco yo yibanda cyane ku gufasha abacuruzi bato, ibaha uburyo bwo kwakira ubwishyu hakoreshejwe ikoranabuhanga, imashini zo kwishyuriraho ndetse n’uburyo bwo kubona inkunga y’ubucuruzi. Iki kigo kimaze gukorana n’ibigo birenga 200,000.
Misiri yagaragajweho MyFawry na Paymob, mu gihe igihugu gikomeje kubona izamuka rikomeye ry’ubwishyu bukoresheje telefoni. Isoko ry’ubwishyu bw’ikoranabuhanga muri Misiri ryagereranyijwe na miliyari 84.9 z’amadolari muri 2025.
Nubwo kwishyurana ari byo bigize igice kinini cy’iterambere rya fintech muri Afurika, hari ibigo byatangiye kwinjira mu bindi byiciro.
Mu bijyanye no gutanga inkunga n’inguzanyo hakoreshejwe ikoranabuhanga (alternative financing), Ghana yagaragayemo ikigo Oze, gifasha imishinga mito kubona serivisi z’imari.
Afurika y’Epfo yagaragayemo 360 Administration and Systems mu bijyanye n’ikoranabuhanga mu bwishingizi (insurtech), mu gihe Omnisient yo ifasha ibigo by’imari gukoresha amakuru y’abakiriya mu buryo bwizewe.
Nigeria yongeye kugaragaramo PiggyVest, urubuga rutanga uburyo bwo kuzigama no gushora imari hakoreshejwe ikoranabuhanga.
Nubwo uru rutonde rugaragaza intambwe ikomeye Afurika imaze gutera, impuguke zivuga ko hakiri ikibazo cyo kuba ishoramari ryinshi rigana muri fintech kurusha izindi nzego z’ikoranabuhanga.
Raporo ya Partech igaragaza ko ibigo bya fintech muri Afurika byabonye ishoramari rya miliyari 1.49 z’amadolari muri 2025, bingana na 37% by’amafaranga yose yashowe mu ikoranabuhanga kuri uyu mugabane.
Abasesenguzi bavuga ko kugira ngo Afurika ikomeze gukoresha neza ikoranabuhanga mu iterambere ry’ubukungu, hakenewe kongera ishoramari mu zindi nzego zirimo ubuhinzi, ubuzima, uburezi, inganda, ubucukuzi bw’amabuye y’agaciro, ingufu, ubwikorezi, ikoranabuhanga rihangana n’imihindagurikire y’ikirere ndetse n’ubwenge buhangano (AI).
Kuba ibigo 17 bya Afurika byinjiye ku rutonde rw’ibigo 500 bya fintech bikomeye ku Isi bigaragaza ko uyu mugabane uri kuva ku kuba umuguzi w’ikoranabuhanga gusa ukagenda uba n’umwe mu bariteza imbere.