Payments are often presented as one of Africa’s greatest innovation success stories.
The continent enjoys globally recognized leadership in this area: mobile money, fintechs, and local payment solutions. And yet, on the ground, African payment markets remain deeply fragmented.

In this episode of Le Terrain Parle, Dare Okoudjou offers a clear-eyed, operational and no–nonsense analysis of this critical issue. Far from listing existing solutions or repeating optimistic narratives, he breaks down what actually works, what still blocks progress, and why despite major advances the challenge of unification remains unresolved.