Notes & perspectives
Writing
The people, decisions and practical questions behind payment and trade infrastructure.
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Africa’s next payment breakthrough is institutional
The continent has mastered the act of moving money. The next opportunity is to connect each transaction to the institution, record and decision that give it meaning.
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What clearance costs when the paperwork is on paper
The fee is the part everyone quotes. The waiting, the rekeying and the second trip are the part that actually decides whether a small trader can make a living.
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Institutional payments are a records problem before they are a money problem
Moving the money is the easy part. Agreeing on what was owed, by whom, and on what evidence, is where institutions actually get stuck.