With a population of over 105.7 million, yet only 31% of that population owning a bank account, and only 4% of transactions happening online,…
Fintech
Difitek at the 6th International Conference on Payments and Security in Financial Institutions

Difitek is invited to speak at the 6th international conference on payments and security in financial institutions, co–organized by the Banking Association for Eastern and…
Defining Financial Inclusion and Its True Value to Society

At least 1.5 billion adults worldwide do not have access to financial services. Those people are not benefiting from financial inclusion, or being part…
How Indonesia Is Becoming a Centre of Fintech Innovation

The fintech scene in Indonesia has really started to pick up in the past few years to become one of the hubs of real…
The Story of a Catfish and Fintech Regulation

Originally from Nigeria’s oil-rich Delta State, Madame Flora Edojah moved to Lagos in 1986 and began to sell catfish. Since then, her stall has become the…
What is a Security Token Offering (STO)?

We have seen some good quality developments within the past year in the blockchain space. Hype, a lot of hype, yes, but also concrete…
Global Fintech Investment Soars To Record in 2018

Fintech flourished in 2018 with promising investments and new entrants as well as interesting trends. The successful year for the industry has fueled some…
Reality and Dreams of Mobile Finance

“M-Pesa is a great example of how money goes to the mobile, and telcos have a great opportunity to offer banking services in the…
Are Traditional Banks Approaching Their “Kodak Moment”?

People haven’t been willing to change their banks. It has been a lot of paperwork, and if you have a mortgage or other loans,…
Legacy Financial Institutions at Critical Disadvantage Vs. Digital Challengers

Digital transformation is a popular term, not least so among management consultants and service providers, however it masks an almost paradox: it’s hard, like…