Book · 2026
The Architecture of African Financial Infrastructure
A blueprint for financial inclusion from first principles — how African markets are redesigning credit, payments, and regulatory frameworks for mobile-first, data-scarce, fragmented environments.
African financial infrastructure is the world's most overlooked financial system. With 300 million credit-invisible adults, 68% mobile money penetration, and a $100B+ credit gap, the continent is building financial rails from first principles — not from Western templates.
01Why this matters
The numbers behind the argument.
- Credit-invisible adults across Sub-Saharan Africa
- 300M+
- Mobile money penetration across the region
- 68%
- Estimated credit gap facing African markets
- $100B+
- Pages building the case from first principles
- 326
Figures as cited in the book.
02About the book
What it argues.
This book examines how African markets are redesigning credit, payments, and regulatory frameworks for mobile-first populations, data-scarce environments, and fragmented jurisdictions. It draws lessons for fintech, regtech, and financial infrastructure globally.
From the rise of mobile money as a settlement layer to the development of alternative-data credit scoring models, African financial infrastructure offers a blueprint for financial inclusion that the rest of the world is only beginning to discover.
Written for founders, regulators, and researchers working at the intersection of capital, technology, and institutions, the book argues that the next decade of financial innovation will be built — and tested — in the markets that have the most to gain from getting it right.
03Book details
The edition.
- Published
- 24 July 2026
- Pages
- 326
- ISBN-13
- 979-8199981552
- Dimensions
- 15.24 × 1.88 × 22.86 cm
04Also by Charles
7 preprints, simulation studies and policy briefs on credit risk, regulation, and capital markets in emerging economies.