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Driving Africa’s Payments Transformation Through Partnerships

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Cellulant views fintech partnerships as a means to support financial inclusion and growth of not only individual businesses but Africa’s economy as a whole

NAIROBI, Kenya, July 22, 2022/APO Group/ — 

Payments have traditionally been a challenge for African businesses and their banks. Businesses must work with a huge number of partners, for instance, to handle the many forms of payments that customers use, as each nation favors a distinct set of options. Card payments, where banks excel, have extremely little penetration, which is a problem for banks given the size of the unbanked population and the popularity of mobile money.

In a continent where merchants and consumers are increasingly shifting to digital payment channels, banks and other financial service providers (FSIs) need to find ways to modernize their payments infrastructure.

Fintech companies on the other hand are disrupting this payments landscape by revolutionizing how consumers are accessing financial services. By collaborating with fintech companies, legacy financial institutions can leverage their technology to remain competitive in a now digital first landscape whereas fintechs can tap into the laid structures to expand their reach.

Harry Hare, Chairman & Publisher at Dx5 (formerly CIO Africa) & Faith Nkatha Gitonga, Cellulant’s Country Manager in Kenya, at the Africa Fintech Summit, which was held at the Radisson Blu Hotel, Upperhill Nairobi and organized by DX5 (formerly CIO Africa) on the 23rd of June 2022

“The payment ecosystem is very complex. Banks and fintechs need to collaborate in order to be successful. That’s how we will be able to facilitate greater levels of financial inclusivity across income levels.” reiterated Faith Nkatha Gitonga, Cellulant’s Country Manager in Kenya, speaking at the Africa Fintech Summit, which was held at the Radisson Blu Hotel in Upperhill Nairobi and organized by Dx5 (formerly CIO Africa).

She cited the recent partnership between Cellulant and Grey Finance (https://bit.ly/3RPIHRo) which enables customers to conveniently receive international payments in local currency using mobile money as a prime example of how partnerships open up efficient and seamless transactions for thousands of people on the continent. She also revealed that the ability to integrate mobile money and bank transfers within the African continent is the major value proposition Cellulant offers to partners like Grey.

She affirmed that Cellulant (https://www.Cellulant.io/) believes that abundant opportunities exist in the payment space in Africa as the continent is still not a cashless economy yet.

Customer delight is what differentiates Cellulant from the other players in the market

Faith Nkatha Gitonga, Cellulant’s Country Manager in Kenya, at the Africa Fintech Summit, which was held at the Radisson Blu Hotel, Upperhill Nairobi and organized by DX5 (formerly CIO Africa) on the 23rd of June 2022

“There are still cash heavy industries like the Fast Moving Consumer Goods (FMCG) industry which provide a lot of opportunities for entrepreneurs to innovate and provide relevant and appropriate payment solutions.

“Even in Kenya, which has one of the highest levels of financial inclusion, only about 50-60% of our transactions are digital; in other parts of Sub-Saharan Africa this is typically 30% or lower.”

Cellulant views fintech partnerships as a means to support financial inclusion and growth of not only individual businesses but Africa’s economy as a whole. Faith touched on  Cellulants evolution over the years, from a digital content business to mobile and digital banking and now to a digital payment solution provider (https://bit.ly/3ct1XUB).

“Customer delight is what differentiates Cellulant from the other players in the market. We strive for excellence and the best outcomes when serving our customers across our 35 markets.” Faith pointed out. “This is a culture that was instilled into our staff by the founders from the early days.”

She affirmed this laser focus on the customer is the main reason why leading brands across different sectors such as aviation, telecommunications, e-Commerce, food and beverage services, ride hailing apps, retail and remittance trust Cellulant to power their payments.

“We are committed to making sure that they are well taken care of and satisfied with the services we provide. We like to say that ‘when you follow the customer, you follow the money ’ Over the years, we have been innovating because we want to be at the heart of what the customer is feeling and wants. We always want to be ahead of that.”

Distributed by APO Group on behalf of Cellulant.

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Why Your Communications Strategy is Undermining Your Decisions (By Bas Wijne)

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As markets become more complex and information moves faster, communications is now part of strategy, embedded in how boardroom decisions are formed, framed, and executed

For organisations operating across multiple African markets, fragmented communications create fragmented decisions

JOHANNESBURG, South Africa, May 13, 2026/APO Group/ —By Bas Wijne, CEO, APO Group (https://APO-opa.com).

 

At last month’s PRCA South Africa conference, the leading PR and communications forum in the region, I joined a panel on PR as a Strategic Advisor: Ethics, Sustainability and Boardroom Influence alongside Annaleigh Vallie (Executive Head of Integrated Communication, Nedbank), and Larry Khumalo-MacArthur (Managing Director and Market Lead, Weber Shandwick Africa). The discussion reinforced that when communications is excluded from the boardroom, decision-making breaks down between formation and execution. In complex organisations, executive decisions are often interpreted differently across stakeholders, leading to early misalignment.

The most effective leadership teams address this by involving communications when decisions are formed.

Without this, the same course of action fractures in execution across stakeholders. The issue is not variation in interpretation itself, but the absence of a structured way to account for it in advance.

Communications is a co-architect that belongs in the boardroom, shaping how intent becomes a decision and how a decision becomes reality. This is especially clear in African markets. Differences in regulatory environments, culture, and stakeholder expectations mean the same announcement can be interpreted in fundamentally different ways across jurisdictions. Consider a single boardroom decision. A multinational announces a restructuring across several African territories – typically involving changes to operating models, workforce alignment, cost structures, and local responsibilities.

In one country, the decision is seen as a move toward efficiency and long-term growth. In another, it signals contraction. In a third, it raises questions about market commitment. The underlying decision stays the same, but its meaning shifts depending on where it lands.

These differences affect how decisions are executed across markets. Alignment weakens, not from a flawed strategy, but from fragmented meaning.

For a co-architect, this means stress-testing decisions before they are final. Advising and assessing how they will land in different markets. Working directly with leadership teams to adjust how decisions are framed, sequenced, and released so that intent translates across markets.

APO Group operates as an example of this co-architect model, serving as a strategic communications consultancy that integrates advisory and execution. We don’t just execute communications – we consult and advise at the boardroom level. We apply this approach across multiple African markets. Africa-Newsroom.com, our pan-African newswire and the only platform of its kind on the continent, distributes to 250+ Africa-focused news sites and 450,000+ journalists in all 54 countries. The same infrastructure that delivers messaging across the continent gives us the monitoring data to test how it will be received before a single line is published. That is what stress-testing means in practice.

When a global Fortune 500 telecommunications operator with multi-market African operations needed transformation across six African countries, they consolidated nine agencies into one partner: APO Group. Before announcing the decision, it was tested in each market. We checked how it signalled efficiency, retreat, or questions about commitment.

That insight was fed directly back into how the announcement was structured, sequenced, and released.

Messaging was then executed through a single coordinated system across all markets, rather than multiple disconnected systems.

The result was a 573% increase in top-tier media placements for the programme across key African markets compared to the previous multi-agency model, driven by unified messaging and faster execution cycles.

For organisations operating across multiple African markets, fragmented communications create fragmented decisions. Integrated communications strengthen delivery. In this environment, communications is part of how leadership decisions hold their meaning as they move across borders.

The question for leadership teams is not whether communications supports decisions, but whether it is involved early enough to ensure those decisions hold their meaning as they move across markets.

And ultimately: is communications shaping the decision itself, or only being asked to manage its interpretation after it leaves the boardroom?

Distributed by APO Group on behalf of APO Group Insights.

 

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Liquid Intelligent Technologies revitalises access to cloud and cyber security services in support of improved national digital resilience

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These services will be available to existing and potential customers in Botswana, and at the centre of the new offering is Secure360, the company’s integrated security framework

GABORONE, Botswana, May 13, 2026/APO Group/ –Liquid Intelligent Technologies (https://Liquid.Tech), a business of Cassava Technologies, a global technology leader, brings cloud and cyber security solutions and services to businesses and enterprises of all sizes in Botswana. The announcement comes as Liquid celebrates a decade of operations in the country.

 

These services will be available to existing and potential customers in Botswana, and at the centre of the new offering is Secure360, the company’s integrated security framework that enables organisations to move beyond reactive breach response towards proactive intelligence, protection and assurance. The solution combines local delivery with continental-scale infrastructure and global technology partnerships to provide organisations with enterprise-grade digital security and cloud capabilities aligned with national digital priorities.

When organisations engage with Liquid Intelligent Technologies in Botswana, they are connecting to the strength of Cassava’s integrated digital ecosystem

“Over the last decade, Liquid has deployed over 1174.08 km of fibre, bringing multi-terabit capacity and unmatched resilience to the region. By establishing a 730km backbone along the A1 road, we’ve positioned Botswana as a critical hub, linking networks from Zimbabwe, South Africa, Kenya, Zambia, the Democratic Republic of Congo, and Sudan,” said Odirile Tamajobe, Managing Director of Liquid Intelligent Technologies Botswana. “Now, by bringing the cloud and cyber security services into the country, we are empowering local businesses with world-class digital solutions, ensuring they can compete and win on the global stage.”

The expansion of Liquid’s offerings in the market reflects the broader Cassava strategy to deliver integrated digital infrastructure and platforms through its One Cassava approach.

“When organisations engage with Liquid Intelligent Technologies in Botswana, they are connecting to the strength of Cassava’s integrated digital ecosystem,” said Ziaad Suleman, CEO of Cassava Technologies SA and Botswana. “Beyond cloud and cyber security, customers can access data centres, AI readiness reviews, and tailored technology journey roadmaps, all within a unified platform designed to support secure innovation and long-term digital resilience”.

As Botswana advances on its Vision 2036 ambitions to expand digital services across government, financial services, telecommunications, and critical infrastructure sectors, Cassava’s digital services aim to strengthen national digital resilience, fostering pride and confidence in the country’s progress.

Distributed by APO Group on behalf of Liquid Intelligent Technologies.

 

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Verdant IMAP Act as Financial Advisor and Arranger to Metro Africa Xpress (MAX) on its USD 8 Million in Debt Capital Raise

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The transaction establishes a foundation for further institutional capital deployment into the business

JOHANNESBURG, South Africa, May 13, 2026/APO Group/ –Metro Africa Xpress (MAX), Africa’s leading electric mobility platform, has secured USD 8 million in debt funding from Triple Jump, marking a key milestone in scaling its clean mobility operations.

Triple Jump, a Netherlands-based impact investment manager with a strong track record of financing inclusive financial institutions and clean energy businesses across emerging markets, represents one of MAX’s first international institutional lenders. Its participation underscores confidence in MAX’s operating model, asset-backed lending structure, and long-term scalability within Africa’s evolving mobility sector.

The funding will support:

  • Expansion of MAX’s electric vehicle (EV) fleet
  • Rollout of battery swap infrastructure
  • Continued development of its Pay-As-You-Go (PAYGO) financing platform

MAX’s model is designed to lower barriers to asset ownership for commercial drivers (“Champions”), enabling income generation through access to productive mobility assets while reducing operating costs relative to internal combustion alternatives.

Operating across Nigeria, Ghana, and Cameroon, with Nigeria as its core market, MAX is building an integrated ecosystem comprising:

  • Purpose-built EVs adapted for local conditions
  • Battery swapping infrastructure to address charging constraints
  • IoT-enabled fleet management systems
  • Embedded financing solutions for underserved drivers

Verdant IMAP acted as sole financial advisor and arranger on the transaction, supporting structuring, investor engagement, and execution. The transaction establishes a foundation for further institutional capital deployment into the business.

Distributed by APO Group on behalf of Verdant Capital.

 

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