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.

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