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From the chart, we can see that Fintech leads. There is a reason for that, I explained in a comment on LinkedIn.
This is expected. The key friction in business is how to be paid. Once that is done, other domains open. If you are in Lagos offering a service to someone in Aba, the first thing is this: how will this person pay me? It is after that is sorted out that the transaction will move ahead.
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So, you need to fix fintech before you can fix other things. If not, a doctor, carpenter, etc will work and will be unable to receive their promised pays. I expect fintech to unlock values in healthcare, education, etc as an operating system over the next few years. In Kampala, in a major speech, I called it the Operating System of Africa’s Digital Future.
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