Strategy

#118 - MyOneApp and the Edsel Problem

Ford’s most famous failure and what it tells us about managerialism, tech ambition, and Safaricom’s FinTech 2.0 moment

Apr 27 • Samora Kariuki

#114 - Should a Pan-African Bank Acquire a Large Pan-African Payments Company?

An insider view on why the evidence is more complicated than the strategic logic suggests

Mar 23 • Samora Kariuki

# 113 - The Foundation That Was Never Built

What Victorian England's friendly societies, a Rwandan health scheme, and a failed Kenyan car company reveal about why insurtech in Africa is solving…

Mar 16 • Samora Kariuki

#110 - Unicorns and Zebras: What African Tech Actually Produces and How to Fund It

Moving beyond narrative to a structural framework for fintech outcomes

Feb 16 • Samora Kariuki

#105 - 2026, the Year of African Fintech's Mid-Life Crisis

Our Kintsugi moment and why the "Second Life" of the Industry Will Be Stronger, Deeper, and More Resilient.

Jan 12 • Samora Kariuki

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

#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

#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

#101 - Why Fintech is Predominantly an Emerging Markets Story

Why "unlocking trapped value" is the ultimate moat and how Western fintechs are fundamentally small companies in large markets.

Nov 3, 2025 • Samora Kariuki

#100 - Is Your Fintech Idea VC Fundable?

Moving beyond the "VC is dead" trope: how the Arc framework reveals which African fintech business models are truly VC fundable (and which ones are…

Oct 27, 2025 • Samora Kariuki

#99 - How to Win in African Wealthtech: A Four-Country Guide to Localized Success

An analysis of why a model like Piggyvest thrives in Nigeria, while different players dominate in Kenya and South Africa.

Oct 20, 2025 • Samora Kariuki

#98 - Beyond Oil: The New Saudi Fintech Playbook

How a Coordinated National Strategy is Forging a Fintech Powerhouse and the lessons for Africa

Sep 22, 2025 • Samora Kariuki

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