SA accounts for 40%african Fintech market,with Ghana and francophone westafrica and then nigeria and egypt growing until 2025 at 15%,13%and 12%respectively.11 Markets comprising nigeria,Ghana,Egypt,Kenya,Tanzania,Southafrica,Uganda,Cameroun,Senegal comprises of 70%and 50% of african GDP and population respectively take the fintech radiance where growth will be concentrated.Inspite of all the activity,only a handful of unicorns start ups with $1b.valuation like kuda,flutterwave etc.Navigating the key component challenges of sustainability,scaleability,profitability,technology ecosystem,regulatory framework and corporate governance is a major hurdle.This is navigable with robust business method.Forget that in assumption of similar investment levels per customer,that is 4 Times Harder to achieve profitability in africa than in latin america and 13times harder than it is in EU and 20times than America,a globalised fintech with unique business methods escape unhurt.We quite agree regulatory framework uncertain,