Frequently asked questions about open banking in Africa
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Frequently asked questions about open banking in Africa

This FAQ is written for people who are trying to make sense of how open banking affects real operations.

A cultural view of loan defaults in Malawi
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A cultural view of loan defaults in Malawi

Executive Summary Between 2019 and 2024, Malawi has seen both a rapid expansion in personal lending and a growing struggle with defaults. While commercial banks, microfinance institutions (MFIs), savings and credit cooperatives (SACCOs), village savings and loan associations (VSLAs), and new digital lenders have opened up access to credit, many Malawians still find it difficult […]

Bank of Ghana’s new licensing rule for digital lenders
Industry Information

Bank of Ghana’s new licensing rule for digital lenders

The Bank of Ghana has officially announced a new phase in digital credit regulation. Starting November 3, 2025, the central bank will begin accepting applications from entities seeking to operate as Digital Credit Service Providers. This includes every mobile loan application, digital lender, or fintech company offering credit services through apps or online platforms. Existing […]