I help growth-stage fintechs, banks, and MNOs win in prepaid, cash-reliant markets across Africa. Most customers are mobile-first but still trust cash; agents remain the conversion layer. I design unit-economic-positive agent/merchant networks, align incentives, and clear regulatory bottlenecks so usage (not just signups) grows. You get clear plays, a partner map, and a metric-first plan you can execute next week. (Advisory only; no legal counsel.) WHO I WORK WITH Best for post-PMF teams (revenue > $1m), Series A–C, and incumbents (banks/MNOs/PSPs), plus DFIs/NGOs running live programmes. Not for idea-stage or pre-seed teams. WHY THIS MATTERS NOW ✅ Mobile money is mainstream (billions of registered accounts; hundreds of millions MAUs) and still growing (GSMA, 2024). ✅ Sub-Saharan Africa remains early in mobile-internet and smartphone adoption, leaving large headroom for digital payments and wallets (GSMA Intelligence, 2023–2024). ✅ Payment revenues are expanding while funding has become selective—teams that show real unit economics and regulatory clarity win capital and market share (McKinsey; industry funding reports, 2023–2024). Book a 15-min rapid diagnostic and leave with a prioritised 1-page action plan within 24 hours.