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The TechTrends Podcast ft Africa Tech Summit | How Fincra Is Rebuilding African Payments · The TechTrends Podcast

• 0:03
  This is the Tech Transport cast. You'll go to podcast for the
• 0:06
  latest in tech innovation and the digital world.
• 0:21
  Hello, and welcome to another episode of the Tech Trans
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  Podcast. This is our first episode of
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  2026 and as I always say, these podcasts, it's where we unpack
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  the technologies, companies and founders shaping Africa's
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  digital future. Today, we are diving into one of
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  the least glamorous, but again, most critical layers of fintech
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  payment infrastructure. Not the apps you see, but the
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  rails underneath everything. The systems that decide whether
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  money moves instantly or gets stuck for days.
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  Our guest today sits right at the center of that conversation,
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  especially as the continent prepares for the Africa Tech
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  Summit 2026 here in Aerobic Kenya, where Finkra is the
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  headline supporting partner. Joining us is Wally Ayodale, Co
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  founder and CEO of Finkra. Many of you, like me, first
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  encountered way during his time for Founding products, one of
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  Nigeria's most prominent crypto exchanges, right at the centre
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  or at the height of the digital asset wave.
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  But instead of staying at the surface of people, trading only
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  made a deliberate pivot to solve what many would argue is the
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  harder problem, fixing Africa's broken Fiat and cross-border
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  payment plumbing. Today, Finkra is quietly
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  becoming a critical infrastructure in Africa,
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  powering collections, payouts and effects, among other things,
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  while enabling global businesses to scale into Africa without
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  feeling is complexity. Thank you so much, Wally, for
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  joining us on this episode of the Tech Trans Podcast.
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  Maybe just start of course by introducing yourself and general
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  art. OK, my name is Wally Ayerdale.
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  I'm the CEO of Finkra, Yeah. So Finkra wide cross-border
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  infrastructure are helping businesses and financial
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  institutions to send, receive and convert African courses of.
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  Course, you know a lot of people, especially even the tech
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  media space like me, since we cover so much about startups,
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  how you think, tech and everything.
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  A lot of us know you from way back when you confirm that, you
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  know, our Credex, you know, and you know which was right, you
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  know, at the cutting edge of the crypto boom.
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  Of course, the boom is still there right now.
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  But again, I think you left that world to build Fincra, which is
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  of course arguably tackles, you know, the harder, let me call
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  them, the harder, less visible problem of payment
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  infrastructure, right? So I'm just curious, was there a
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  specific moment at Credex where you hit a wall and realized we
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  can't check these digital assets if the fundamental flat, you
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  know, Fiat plumbing in Africa is still broken?
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  So I mean, I would say yes and no really.
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  So while I quit that, I think the most important thing I just
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  learned then was how much people were struggling to make
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  cross-border payments was we saw very large optic from businesses
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  that were leveraging crypto and stable coins at the time to make
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  cross-border payments. So that's far back as 2018,
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  right? So the idea behind starting
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  point right then was just realizing that payment
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  infrastructure was still broken, which is why people were like
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  taking advantage of crypto to do those transactions.
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  So the idea was to build a cross-border infrastructure
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  that's of course further enables that behaviour like we're we're
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  actually very early with some stable coin base payments, but
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  overall just enabling cross-border payments for
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  African businesses. So.
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  So a bit of what he said, but slightly difference.
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  Yeah, OK, a bit of both. And of course, you know, you
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  know, you've famously compared of course the current state of,
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  you know, the Africa cross-border payments to a
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  broken messaging system. And of course so you've seen
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  like texts, texts are instant. But again, money takes days, you
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  know, to reach, you know, recipes and everything.
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  And of course, you know, I think based on what I've read before,
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  you've also just dropped some truth about, you know, the
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  significant amount of corporate effects in Africa is still
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  sourced via WhatsApp groups before these, you know, because
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  there's no really that formal market liquidity, right?
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  You know, how is Finkra moving now from that WhatsApp treasury
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  culture into a formal, you know, scalable API without losing the
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  speed that those informal networks provide?
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  OK. So what we have, what we've done
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  basically is like we build infrastructure that's other
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  financial institutions and, you know, leverage.
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  So, you know, make all the transactions in an automated
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  way, right? That's from virtual accounts in
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  most African currencies and of course in, you know, foreign
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  currencies as well to APIs for getting quotes that's prices
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  real time and then being correct conversions in real time.
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  So that's actually seen lots of transactions move online.
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  So some of our customers, they like, you know, some of the
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  largest functions in the world, helping businesses to maybe make
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  payments to China. These obsesses would have either
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  been leveraging some providers on WhatsApp or you know, black
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  market dealers and then today use very great digital platforms
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  to make these payments with less fraud, competitive rates and the
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  like. So I'll say we are, you know,
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  the last proportion as a infrastructure provider and you
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  know, several of our customers today, you know, fintech
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  financial institutions that you know are leveraging our APS to
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  offer the services to small businesses, to individuals, even
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  to large businesses themselves. And of course, we are working
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  on, you know, I'm currently working on an Omni channel
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  communications platform. Like what does that really mean?
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  Just a way to take all the data from WhatsApp chats, Telegram,
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  Teams, Slack and the likes right to a central platform where you
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  know, businesses can communicate and also treat the teacher in a
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  more professional and compliance way.
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  So yeah, we're still building more infrastructure to
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  addressing this challenge as we have described.
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  All right, interesting. You know, and I'm really glad
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  you mentioned APS because one of the things you've seen, you
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  know, let's say for example, you know, fintech launches in places
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  like Europe, for example, you can come to Africa, then plug
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  into, you know, things like for example, clear banking API is
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  relatively very, very, very easily actually.
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  And in Africa, what I think, you know, Finkra is doing is, you
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  know, you essentially has to be that that really, are you able
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  just please just walk us through the sheer engineering headache,
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  you know, of just teaching together.
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  For example, MPs in Kenya, for example, lives in Nigeria and
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  how, you know, localized rails in South Africa, for example,
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  into just one single, you know, all in one dashboard.
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  I mean, what is the hardest corridor you've had to crack so
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  far? So I would say most of the
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  difficulties, not really from a technical perspective, but like
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  from regulatory, right? I will say maybe regulatory and
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  there's some technology gaps. So because I know what we're
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  doing relies on being able to issue virtual accounts in
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  different conferences. So like in IRA virtual accounts,
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  it can actually virtual accounts or Ghanaian cities virtual
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  accounts around, ETC. So in some countries, the
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  framework for virtual accounts is actually not clear.
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  So you can't even get banks that's, you know, offered this
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  virtual account product. So we've had to innovate and
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  come up with a protocol pool accounts.
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  So which is like using one single aggregated accounts, but
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  you know, using different ways, either through open banking or
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  like through like scraping through bank statements to
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  automate deposits into those accounts to give similar
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  experience as a virtual accounts.
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  So we shouldn't have to do stuff like this, but because, you
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  know, the virtual accounts in many cases don't even exist, we
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  have to basically hack our way through using a single account
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  to, you know, process multiple collections into those accounts.
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  Another big gap there is then regulation, right?
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  So getting licensing across Africa is quite difficult, takes
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  quite long. Even when you comply with the
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  regulation or required requirements, it's still a very
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  lengthy process. So, so in some countries, you
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  need to have licensing to be able to connect to the rails and
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  the license date times. And in some cases, even when the
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  licensing is available, right, the infrastructure from the
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  banks don't exist, right. So I'd say, you know, it's just
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  a combination of that that makes it a bit difficult.
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  So in terms of war markets, you know, to be the most difficult.
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  I wouldn't see any singular markets in in particular, right?
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  Of course, they are easy markets.
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  I would say like in Nigeria, you know, that's one of the clearest
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  framework for virtual accounts. You know, licensing is not that
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  difficult. And even if you are not directly
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  licensed in market like Nigeria, there's several partners that
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  you can work without providing like, you know, reliable
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  infrastructure, you know, in Kenya as well, you know, shout
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  outs, choice bank, correct. So and the few other providers
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  should, there's some infrastructure that you can also
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  easily leverage rights to offer some of these services.
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  Well, yeah, I mean, fintechs is to make this make this easy for
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  other businesses. So yeah.
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  So we'll keep moving. Yeah.
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  I love the regulatory, but of course we've, I think one of
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  that has been one of the biggest challenges, especially, you
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  know, just for fintechs. We're entering new markets in
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  Africa, you know, and of course the argument has been, can we
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  have just one regulation across the borders?
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  I mean, we've seen, for example, when you know, Africa or African
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  counts have been trying, for example, the virtual assets bill
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  has been happening across the market.
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  We have seen a lot of markets actually now adopting almost
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  similar. Just when you look at, for
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  example, these bills from across different markets, they're
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  almost now similar. You know, Kenya has a bill
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  that's just passed in Senate. You know, you go to another
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  African county, they're almost adopting all similar, you know,
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  bills to just make sure things flow nicely.
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  Would you say actually, you know, a few governments are
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  doing enough? Definitely not.
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  Isn't this regulatory barriers? So I mean, frequent governments
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  doing enough, I will sit there trying.
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  But you know, they still have bureaucracy around the
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  regulation and licensing. Like in Nigeria, they're just
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  two licensed crypto exchanges. And then there's been like
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  regulation for crypto nature for almost 2 years.
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  So you say only two license exchanges.
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  Of course. I mean, I Co founded one of
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  them. But would you say it's only
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  those two exchanges that have been able to prove compliance
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  and you know, do what sticks with license?
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  Probably not, right? So they see progress around the
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  process there. There are loads and loads of
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  application and spending. And this is the case across
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  several Afghan countries. You know, some are faster than
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  some others or you know, I guess if the challenge as to why this
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  process takes more time and made open, I believe that's all from
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  the private sector. There are ways that we can help
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  to assist regulators to abstract these processes, right.
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  But so now I think there's still a lot more that can be done to
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  improve the processing of license process of licensing
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  within Africa. So you're coming from a
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  traditional risk background at Stanbic, right?
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  And of course, where I think, you know, my understanding of
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  that space is you're trained to look for downsides.
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  You know, however, of course, you know, soon you often speak
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  about how having a positive bias, refusing to see African
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  challenges as short blocks because of course we are African
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  and of you African yourself. How then do you balance that
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  builder optimism with the harsh reality of currency devaluations
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  and things like market volatility when you are pitching
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  to now global merchants? OK.
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  So it's very important point that I mean like at Finkra for
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  example, we are very much a financial institution.
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  So, you know, sometimes when businesses call themselves like
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  fintechs, you know, this tends to abstract the fact that, you
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  know, their financial institution and like risk
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  management is like a core part of institution.
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  So I don't think that, you know, anything that should look at
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  risk differently from even traditional institutions, right?
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  So like risk is risk and all risks must be mitigated, right?
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  So I guess maybe the advent of intent or I think that have, you
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  know, a bit of user friendly approaches, just finding ways to
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  manage the risk that still maximizes user value, right?
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  So from my point of view, I think just find that sweet spot
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  between risk management and innovation rights is what people
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  need to like, you know, embrace a lot better.
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  Because I mean, I think we're like risk is a very big part of
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  what we do, like our risk and compliance teams that
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  synchronize our second largest team, I think more than 10% of
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  the company, right. So risk and risk management and
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  compliance right today. And you know, that just goes to
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  the fact that we are, you know, truly financial institution.
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  So in terms of all the different products that we're building.
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  So risk and compliance is carried along from day one and
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  whatever innovation that we are doing must still factor in risk
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  management compliance. So there's no innovation in
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  financial services without compliance.
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  So many times we see this bottleneck from regulatory, from
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  regulatory perspective perspective.
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  So it's not really the case of fintechs not trying to comply
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  with regulation, right? It might just be in terms of
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  like the pace of innovation or just understanding how to adapt
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  regulation or the risks that regulation is trying to manage
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  with the solutions that we're trying to offer.
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  So I'll just say like maybe a more open mindsets and those
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  lines will become less blurred and it should be easier to just
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  see how, you know, even Fintech can still enhance risk
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  management, you know, a legacy perspective.
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  Right. And I think, you know, those are
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  the things, for example, you know, risks and players, those
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  are things even before central banks across different markets
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  give you the license, those are things they really look out for.
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  Yeah, yeah, yeah. Very big part of.
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  It yes, OK. And, you know, I think 1 of
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  thinker's key selling point, of course, is acting as, you know,
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  the merchant of record, you know, taking, taking on that
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  liability. So businesses, you know, don't
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  have to, don't have to. So for, for a platform like like
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  Uber, for example, or any global travel agency that is entering
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  Africa, What does that actually look like in practice?
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  How do you manage, you know, the local fraud nonsense across 15
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  plus countries so that you know your client in London or in
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  other country, you know, around the world or even New York
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  doesn't have it, doesn't even you know, even feel them.
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  OK. So in terms of like fraud
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  management and things like that's right.
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  So there's also very critical parts of, you know, financial
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  services like managing fraud disputes, right?
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  So first of all, from the technology point of view,
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  distance are built into the systems like we have like guard
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  rails to ensure that you know you're minimizing fraud as much
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  as possible. You are looking at transaction
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  patterns and then when there are reports either from customers,
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  from banks OR whoever just gets, you know, reports whatever kind
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  of fraud, we have a team that you know, gets on that and then
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  manages and ensures that the rights processes are put in
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  place. Then in terms of just ensuring
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  like, you know, mentions from, you know, UK or outside of the
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  continents, being able to operate seamlessly across
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  Africa, you know, that's one of the things that we do.
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  In some cases, you know, the businesses might have to of
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  course, like locally incorporates, right, in some
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  cases based on like the laws of the country, right?
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  But in many cases, right, we're able to handle like either
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  collections even without them being in the country.
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  We collect digitally and then do settlement, so their own
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  countries, right? And then of course, basically
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  that's where we specialize that movement of money in and out of
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  Africa. So, yeah, so that's one of the
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  reasons why many global businesses choose to work with
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  Fin Crown today. All right, OK.
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  And let me just now take you back to, you know, to compliance
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  because I think it's, you know, it's one area I've seen things
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  are being very, very aggressive, you know, securing licenses in
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  Nigeria, Canada, the UK, South Africa.
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  And you've also been very, very vocal about the fact that some
• 18:14
  African markets are licensed could take even three years to
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  acquire. Whereas in Princely Canada, I
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  read got your license about just six months, right?
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  How do you navigate this waiting game?
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  Do you have a strategy? You know where you keep, you
• 18:30
  know you keep building while you just, you know while the when
• 18:35
  the regulators catch up. So I mean, I'll say that's like
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  is, is pretty tricky, right. So in what we do, I mean, like
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  many people tell you like payments is partnership, right.
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  So in the cases where we have to maybe where we have like very
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  urgent solutions we need to offer in the country and then
• 18:55
  we're here to be licensed, right?
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  We basically just work with partners, right?
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  And you know, these are like license compliance partners.
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  In many cases, these are banks, right?
• 19:07
  So their banks that were able to, you know, partner with
• 19:10
  software services or you know, other, you know, partners that
• 19:15
  we can, you know, work with to do that.
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  So that's it in pretty much like what we'll just do 'cause I mean
• 19:24
  like you said in many, yeah, in many cases we can't really just
• 19:29
  like wait until we're life and in some cases we can't wait till
• 19:32
  we're life and puts their partnerships that even still
• 19:35
  gets recognized by the regulators who operates in some
• 19:38
  of these markets. Very, very interesting.
• 19:42
  And of course, we talk about digital payments, which is a
• 19:45
  space you're in. But again, of course, we have to
• 19:47
  agree that cash is still king in many parts of the continent in
• 19:50
  Africa. You know, of course, you know,
• 19:52
  we've seen Fincher moving into the agency back in space with
• 19:57
  POS terminals. What is why was it so important
• 20:00
  for, you know, for a fintech infrastructure company to have
• 20:04
  physical hardware, you know, on the ground?
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  Is is it the missing link for true financial inclusion in
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  Africa? OK.
• 20:12
  So just to mention, so we actually this was so agency
• 20:17
  banking was an actually an old space for us.
• 20:20
  We used to be in agency banking, but not anymore actually not not
• 20:25
  anymore. We used to be in agency banking
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  but you know we we you know today don't offer agency banking
• 20:34
  of US services actually. So these are all products also.
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  You moved from that completely. Yes, please.
• 20:45
  Because, you know, you think crap should also just, you know,
• 20:48
  market itself as an all in one solution.
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  So you're handling collections payouts, you know, wide label,
• 20:53
  you know, payouts, you know, for global CFO, you know, looking at
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  Africa, Of course, putting, you know, you always say their eggs
• 21:01
  in one basket requires, you know, immense trust, right?
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  You know, how do you prove to a conservative global enterprise
• 21:09
  that the infrastructure is robust enough to handle the
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  entire African volume without, you know, you know, a single
• 21:16
  point of failure? So, yeah, so I think just like
• 21:21
  any trust of global businesses, right, those requires like
• 21:25
  consistency. I mean we've been around for a
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  while. So this will be a 70 of
• 21:30
  operating, right. So many times global businesses
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  will always like check for references with some of your
• 21:36
  existing customers, right? They would also, you know, look
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  at, you know, your track record, who are you currently working
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  with? Who have you worked with in the
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  past? You know, what licenses do you
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  have, you know, the reputation and like a few other things
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  like, you know, like some certification, security
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  certification, not just from like, you know, financial
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  regulators as well. So there are a bunch of these
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  things that of course over time of being in the business, you
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  get to, you know, develop, right, which we've done also a
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  good job doing one time, right. So yeah.
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  Thank you. You have the headlines are
• 22:13
  supporter for Africa Tech Summit coming up next month in Nairobi.
• 22:17
  And of course, we look forward to having seen you there.
• 22:19
  We're going to be having this podcast booth there as well for
• 22:22
  the two days. So of course, we hope to now
• 22:24
  physical just host you at the podcast.
• 22:25
  We want to talk more about what you're building.
• 22:28
  But again, you know, of course, 8 years is happening in February
• 22:31
  2026. And if we Fast forward to that
• 22:34
  event, what is the one problem in the payment space we hope we
• 22:38
  are no longer discussing on the panels, you know, what barriers
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  do you want to see completely, you know, or be treated by the
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  time with Nairobi? OK.
• 22:49
  So I would say just like movement of money in and out of
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  Africa, right. So I think that's still like a
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  very big challenge, right. And that's something that I
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  would like to have been solved. Yeah.
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  So that that'll be the one thing.
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  Yes, because. It's still a very, very big
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  challenge, right? You know, because a lot of us
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  still work with clients even from across different parts of
• 23:13
  the world. But, you know, the biggest
• 23:15
  struggle is still payments. So that movement of money is
• 23:18
  still a very, very big challenge.
• 23:20
  Yes, it's a very big challenge. Of course, I know as again,
• 23:27
  based on the brief I got, you're a national fan like me.
• 23:29
  We have a game tonight, Champions League tonight, the
• 23:32
  day we recording this podcast. Again, if you had to compare,
• 23:35
  you know, think our current position in the market to a
• 23:38
  football team. Oh, that's to take much moments.
• 23:40
  Are you currently in the gritty building phase, like, you know,
• 23:44
  our theatre, our team with Arsenal or, you know, are you
• 23:47
  entering that dominance phase? You know, like, you know,
• 23:50
  remember Barcelona, They playing Barcelona where, you know,
• 23:53
  where's the team's headspace right now?
• 23:56
  Where's the team? I mean, like we're, we're really
• 23:58
  just trying to offer as much value to our customers really we
• 24:02
  don't. I mean sports is quite a
• 24:04
  competitive area and the master plan by the way, right Ball
• 24:08
  yeah, we don't, we don't, we don't really set out to compete
• 24:12
  Ball. Our goal really is just to be
• 24:15
  the most reliable cross-border infrastructure for businesses
• 24:20
  that want to operate in and out of Africa either for global
• 24:23
  businesses operating the continental African businesses
• 24:26
  that also scale across the continental globally, right.
• 24:31
  So I, I don't know who that will be right Because I don't think I
• 24:34
  don't know that there's any dominant African coach.
• 24:38
  All right. So I guess, yeah, we don't have
• 24:41
  a direct comparable from that context yet all.
• 24:44
  Right, all right. Thank you.
• 24:45
  Thanks so much for just spending time for joining us for this.
• 24:47
  You know few 20 minutes we've had for this podcast, but of
• 24:50
  course as I say, we're going to be having a full podcast with
• 24:52
  other ATS in Nairobi next month. So of course, we hope to host
• 24:56
  you and maybe just a few members of your team as well to just
• 24:58
  discuss what you're building with Finkra and of course your
• 25:01
  contribution to the payment sector in Africa.
• 25:04
  Any any closing remarks? No, no, no.
• 25:06
  I think that'll that'll be all for now.
• 25:09
  Thank you so much Wally. I really appreciate your time.
• 25:12
  All right. Thank you.
• 25:20
  Wally, thank you so much for leading us on this episode of
• 25:23
  the Depths podcast. That has been a master class in
• 25:26
  what it really takes to move money across Africa, not in
• 25:30
  theory, but in the trenches. From rebuilding broken payment
• 25:35
  fields to formalizing what used to live in water freshery
• 25:38
  groups, to carrying regulatory and fraud complexity so
• 25:43
  businesses across Africa don't have to, Finkra is clearly doing
• 25:48
  the unglamorous work that makes scale possible.
• 25:53
  As Africa's digital economy continues to open up, it's
• 25:56
  becoming clear that the next wave of growth won't be powered
• 26:00
  just by flashy apps, but by the infrastructure that works
• 26:05
  quietly. Of course, we are looking
• 26:07
  forward to continuing this conversation at the Africa Tech
• 26:11
  Summit in Nairobi 2026, where again, as I said, Finkra is the
• 26:15
  headline supporting partner and where the future of payments,
• 26:20
  trade and cross-border commerce on the continent will be front
• 26:24
  and center. Wally, thank you for joining us
• 26:27
  on the Technicals podcast and for the work we are doing to
• 26:30
  make African payment faster, simpler, and truly global.
• 26:35
  And to our listeners, if you need this episode, you should
• 26:39
  subscribe on all your favorite podcasting platforms.
• 26:43
  Share with a friend or someone you think is building building
• 26:47
  or expanding into Africa and follow Technis Media for more
• 26:51
  deep conversations with the people building Africas tech
• 26:56
  backbone. Until next time, I'm Nixon
• 26:59
  Canali. I'll see you in the next
• 27:01
  episode. Special thanks to production
• 27:09
  team for making this show possible.
• 27:11
  The Tetris Podcast is produced by Tetris Media Studios with
• 27:14
  sound designed by Portable Voices and research support from
• 27:17
  Tixom Canali, Alan Yongira, and the Trek Friends Media editorial
• 27:21
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• 27:29
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• 27:33
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