Maryna Gorodishcheva

Introduction: Africa’s Fintech Boom Needs a New Regulatory Mindset Africa has become one of the world’s most exciting fintech markets. Across the continent, digital financial services are transforming how people: In many cases, fintech innovation has succeeded where traditional financial infrastructure struggled. Millions of consumers who were previously underserved now have access to financial services … Regulate, Don’t Suffocate: How African Policymakers Can Empower Fintech Without Killing It

Introduction: The Credit Scoring Problem For decades, lending decisions have relied on a familiar framework. Banks evaluated applicants based on: The model worked reasonably well in mature financial markets where consumers and businesses had extensive financial footprints. But in many African markets, this approach leaves a significant portion of the population underserved. Millions of individuals … Data Is the New Credit Score: How African Fintechs Are Building Smarter Risk Models

Introduction: The Checkout Is No Longer Just a Checkout For years, the checkout counter was viewed as the final step in a customer journey. A customer selected a product.A payment was processed.A receipt was printed. Transaction complete. Today, that model is rapidly becoming outdated. Across Africa, retailers are facing a new reality: As a result, … Can Your POS Do This? Africa’s Retail Revolution

(and why infrastructure platforms are accelerating the next generation of digital wallets) Introduction: Wallet Demand Is Growing Faster Than Development Cycles Digital wallets have become one of the most important products in modern fintech. Consumers increasingly expect the ability to: For businesses, wallets offer more than convenience. They create opportunities to: As a result, companies … How Fintechs Can Launch Wallet Products Without Building Everything From Scratch

Introduction: POS Systems Are No Longer Just Payment Devices For years, POS terminals were viewed as simple transaction tools. Their role was straightforward: Today, that role has changed dramatically. Modern POS systems are becoming: multi-functional financial infrastructure layers They support: And in emerging markets, where financial systems are highly dynamic, POS infrastructure is evolving into … From Retail Shops to Agent Networks: Versatile Use Cases for Unipesa’s POS System

Introduction: Credit Does Not Scale in Isolation Access to credit is one of the most important drivers of economic growth. Businesses need financing to expand.Consumers need liquidity to participate in the digital economy.SMEs need working capital to survive and grow. Yet building sustainable credit systems remains difficult. Not because demand is lacking, but because credit … Building Sustainable Credit Ecosystems: The Power of Partnerships

(and how infrastructure platforms like Unipesa enable scalable digital lending) Introduction: Modern Lending Is No Longer Just About Loans Lending used to be straightforward. A customer applied for a loan.A financial institution reviewed the request.Funds were disbursed.Repayments were collected. Today, lending is far more complex. Modern lending platforms are not just loan providers.They are: multi-layered … From Loan Origination to Collections: The Full Stack of a Modern Lending Platform

(and why infrastructure platforms like Unipesa turn wallets into scalable growth engines) Introduction: From Payment Tool to Growth Engine For years, consumer wallets were viewed as simple utilities: Today, that perception is outdated. Modern wallets are becoming: The central layer of customer interaction and retention For businesses, they are no longer just about payments. They … How Consumer Wallets Improve Loyalty, Repeat Purchases, and Customer Lifetime Value

(from payment activity to data-driven lending, powered by Unipesa) Introduction: The Missing Link Between Payments and Credit Across many markets, SMEs struggle to access credit—not because they lack activity, but because they lack formal financial history. Traditional lending relies on: But for many SMEs: Yet none of this is captured in a way that banks … How Unipesa Turns POS Transaction Data Into Credit Opportunities for SMEs

(and how infrastructure platforms like Unipesa enable this transformation at scale) Introduction: SME Lending Is Broken—But Critical Small and medium-sized enterprises (SMEs) are the backbone of most economies. They: Yet access to credit remains one of their biggest challenges. Traditional banks struggle to serve SMEs efficiently: At the same time, fintech companies are rethinking how … Why Banks Are Partnering with Fintechs to Reinvent SME Lending

(and how infrastructure platforms like Unipesa determine whether it scales—or stalls) Introduction: POS Networks Look Simple. They Aren’t. On the surface, building a POS agent network seems straightforward: But in reality, a POS network is a capital-intensive, operationally complex, margin-sensitive system. Behind every transaction is: And the core question isn’t: “Can you launch a POS … The Economics of Building a POS Agent Network