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About
Wrapping up 2025 and What's Next for 2026
A review of 2025, personal growth, commercial journey and the key learnings that will shape Frontier Fintech for 2026.
Dec 15, 2025
•
Samora Kariuki
6
5
2
🎙 F-Squared Podcast #17 - The Retailer "Supply Chain Finance" Myth - A Discussion with Fred Njogu
Why the goal isn't financing the invoice, but capturing the "lost sale" at the last mile. A discussion on how goods are distributed and the cash trap…
Dec 4, 2025
•
Samora Kariuki
Frontier Fintech GPS# 55 - December 3rd 2025
25% of M-Pesa's transactions are now coming from APIs, Africa's Instant Payment Systems hit US$ 2 trillion in transaction value, Wise enters South…
Dec 3, 2025
•
Samora Kariuki
2
1
Most Popular
View all
#17 Core Banking Platforms
May 24, 2021
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Samora Kariuki
18
#34 Will we be Wave-ing Goodbye to Telco Led Mobile Money?
Sep 20, 2021
•
Samora Kariuki
13
2
#48 Embedded B2B Vendor Lending in Africa - Can it Scale?
Mar 7, 2022
•
Samora Kariuki
12
1
1
#31 First we must build Infrastructure
Aug 30, 2021
•
Samora Kariuki
15
2
#44 B2B Payment Operations
Nov 29, 2021
•
Samora Kariuki
10
2
2
#49 Virtual Accounts
May 9, 2022
•
Samora Kariuki
6
1
Recent posts
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#105 - The Great Decoupling: Bridging the Gap Between South Africa’s Two Economies
From Shoprite to Lesaka: How retailers and aggregators are building the financial infrastructure the formal sector left behind.
Dec 1, 2025
•
Samora Kariuki
7
2
Frontier Fintech GPS# 54 - November 26th 2025
Pepkor to establish bank, Lesaka launches "One Lesaka" rebrand, Fairmoney launches Flexicredit line and other stories that matter.
Nov 26, 2025
•
Samora Kariuki
1
1
#104 - 10 Years of Construction: The Bull Case for African Bank Branches
While the West retreats to the cloud, African banks must conquer the street. Our new Index reveals why the next decade belongs to the builders, not just…
Nov 24, 2025
•
Samora Kariuki
3
3
🎙 F-Squared Podcast #16 - The "Black Hole" of African Payments: Why One PSP is Never Enough | Jonatan Allback
The ex-Adyen operator on fixing Africa's 20% authorization gap, the "waiter" analogy, and
Nov 20, 2025
•
Samora Kariuki
3
1
Frontier Fintech GPS# 53 - November 19th 2025
LemFi launches Savings Account in the UK, Vodacom rejects M-Pesa split, Rwanda and Tanzania work to integrate payment systems and other stories that…
Nov 19, 2025
•
Samora Kariuki
2
1
1
#103 - Why Are There No AgriFintech Unicorns?
A deep dive into the productivity gap, market failures, and misaligned incentives that stop Agri-Fintech startups cold.
Nov 17, 2025
•
Samora Kariuki
12
6
8
#102 - Ethiopia: A Fintech Giant in Waiting?
An analysis of the reforms, risks, and massive opportunities in Africa's sleeping giant.
Nov 10, 2025
•
Samora Kariuki
4
2
1
🎙 F-Squared Podcast #15 - Weaver Fintech: From Catalog Retailer to an 8x Revenue Flywheel
CEO Sean Wibberley breaks down the "unfair data advantage" and the 8x unit economics of their BNPL-fueled ecosystem.
Nov 6, 2025
•
Samora Kariuki
2
3
1
See all
Podcast
View all
🎙 F-Squared Podcast #17 - The Retailer "Supply Chain Finance" Myth - A Discussion with Fred Njogu
Why the goal isn't financing the invoice, but capturing the "lost sale" at the last mile. A discussion on how goods are distributed and the cash trap…
Dec 4, 2025
•
Samora Kariuki
🎙 F-Squared Podcast #15 - Weaver Fintech: From Catalog Retailer to an 8x Revenue Flywheel
CEO Sean Wibberley breaks down the "unfair data advantage" and the 8x unit economics of their BNPL-fueled ecosystem.
Nov 6, 2025
•
Samora Kariuki
2
3
1
🎙 F-Squared Podcast #14 - Wiza Jalakasi - The Accidental Fintech Career
From a failed start-up to the "6M Users" Reality Check while at Chipper, and Solving Global Payments for Africa at Ebanx
Oct 23, 2025
•
Samora Kariuki
2
🎙 F-Squared Podcast #13 - My Mom Told Me to Quit My Job, So I Decided to Build a Bank in Ghana
A conversation with Tarek Mouganie of Affinity Africa on leaving a top hedge fund, building a full-stack digital bank from scratch, and why a hybrid…
Oct 2, 2025
•
Samora Kariuki
4
1
Frontier Fintech GPS
View all
Frontier Fintech GPS# 55 - December 3rd 2025
25% of M-Pesa's transactions are now coming from APIs, Africa's Instant Payment Systems hit US$ 2 trillion in transaction value, Wise enters South…
Dec 3, 2025
•
Samora Kariuki
2
1
Frontier Fintech GPS# 54 - November 26th 2025
Pepkor to establish bank, Lesaka launches "One Lesaka" rebrand, Fairmoney launches Flexicredit line and other stories that matter.
Nov 26, 2025
•
Samora Kariuki
1
1
🎙 F-Squared Podcast #16 - The "Black Hole" of African Payments: Why One PSP is Never Enough | Jonatan Allback
The ex-Adyen operator on fixing Africa's 20% authorization gap, the "waiter" analogy, and
Nov 20, 2025
•
Samora Kariuki
3
1
Frontier Fintech GPS# 53 - November 19th 2025
LemFi launches Savings Account in the UK, Vodacom rejects M-Pesa split, Rwanda and Tanzania work to integrate payment systems and other stories that…
Nov 19, 2025
•
Samora Kariuki
2
1
1
Digital Banking
View all
#105 - The Great Decoupling: Bridging the Gap Between South Africa’s Two Economies
From Shoprite to Lesaka: How retailers and aggregators are building the financial infrastructure the formal sector left behind.
Dec 1, 2025
•
Samora Kariuki
7
2
#104 - 10 Years of Construction: The Bull Case for African Bank Branches
While the West retreats to the cloud, African banks must conquer the street. Our new Index reveals why the next decade belongs to the builders, not just…
Nov 24, 2025
•
Samora Kariuki
3
3
#88 - Winners and Losers in the New Core Banking Order
A strategic breakdown of how banking is being restructured, the bifurcation of financial services and why core banking vendor economics will never be…
Jun 30, 2025
•
Samora Kariuki
6
3
#86 - Open Banking in 2025 - Game Changer or Boring Pipes
A sober analysis of Open Banking's outcomes, what it means for the broader industry and why Fintechs shouldn't index too much on it.
Jun 9, 2025
•
Samora Kariuki
2
2
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