Unlocking the SME Growth Opportunity with payment tools
Reframing SME Banking: Starting with Everyday Payment Activity
SMEs drive much of Africa’s economic activity, but banks have long faced practical constraints in serving them at scale. In 2025 alone, they faced a $310 billion finance gap. But banks often struggle to build a complete picture of SME activity because much of it happens in cash or through channels outside formal systems.
Our new white paper, produced in collaboration with the Lafferty Group, outlines a workable, scalable path forward.
It explores:
- Why payment tools are the most effective starting point for SME engagement
- How transaction flows reveal the rhythm of a business and reduce uncertainty
- What emerging-market examples show about building sustainable SME portfolios
Download the white paper to see how payment flows can anchor a more confident and sustainable approach to SME banking.
