intechs surpasses $1tr.annual global revenue.Mobile payment dominated revenue and payment apps like paypal,payoneer,Venmo,apple pay and a host of Mobile Money services prevalent in SSA region.The region account almost 50% or 48.4% of active global mobile money users.Bureaucracy in public civil services drasticaly reduces including ease of opening bank account,including telecom services,made accessible to the larger audience.The growth of cyberattacks could be equally mindboggling.MPESA witnessed a wave of organised crimes led to huge loss in kenya.Kuda in nigeria and Zazu in Zambia raised over $3m.still shows remarkable resilience.Mckinsey analysis shows african fintechs have made remarkable inroad with revenues between $4b.-$6b.per annum in 2020 and penetration levels excluding south africa absymally low at 3%-5%.Cash still used in 90%of transaction in africa compared to less thanU.K.20%currently.Africanfinancial services based on the study could grow by 10%annually growing by2025 to $230b excluding SA.