Fintechs et inclusion financière en Afrique: quelles implications pour la transformation structurelle ?

Fintechs and Financial Inclusion in Africa: Implications for Structural Transformation

Kevin Ngunza Maniata and Tresor Waminuku Manzambi

MPRA Paper from University Library of Munich, Germany

Abstract: The rapid rise of financial technologies (fintechs) in Africa has significantly expanded access to financial services, especially through mobile money. While this growth has improved financial inclusion and household resilience, its impact on structural transformation remains limited. This paper examines whether and how fintechs can serve as a driver of productive modernization, drawing on a literature review, case studies (Kenya, Nigeria, Francophone Africa), and a stylized analytical framework. Findings show that digital finance enhances transaction efficiency and access to basic services, but generates lasting macroeconomic effects only when integrated with industrial policy, productive financing, human-capital development, and stronger links between firms and modern value chains.

Keywords: Fintech; Financial inclusion; Structural transformation; Africa; Economic development; Digital economy (search for similar items in EconPapers)
JEL-codes: E26 G21 L26 O14 O16 O33 (search for similar items in EconPapers)
Date: 2025-12-10
New Economics Papers: this item is included in nep-fdg
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