{"id":3234,"date":"2023-06-13T09:02:47","date_gmt":"2023-06-13T09:02:47","guid":{"rendered":"http:\/\/the-codest.localhost\/blog\/fintech-market-comparison-cyprus-vs-africa\/"},"modified":"2026-03-05T10:35:38","modified_gmt":"2026-03-05T10:35:38","slug":"fiknitaekjamarkadssamanburdur-kypur-vs-afrika","status":"publish","type":"post","link":"https:\/\/thecodest.co\/is\/blog\/fintech-market-comparison-cyprus-vs-africa\/","title":{"rendered":"Fintech-marka\u00f0ssamanbur\u00f0ur: K\u00fdpur vs. Afr\u00edka"},"content":{"rendered":"

Fj\u00e1rt\u00e6knigeirinn (Fj\u00e1rt\u00e6knifyrirt\u00e6ki<\/a><\/strong>) er \u00ed al\u00fej\u00f3\u00f0legu umbreytingarhlutverki og skilur engan hluta heimsins \u00f3snortinn. S\u00e9rstakar stefnur sj\u00e1st \u00ed mismunandi hlutum heimsins, me\u00f0 Fj\u00e1rt\u00e6knifyrirt\u00e6ki<\/strong> geirinn \u00e1 K\u00fdpur og vaxtarmarka\u00f0ir \u00ed Afr\u00edku s\u00fdna verulegan v\u00f6xt. Til a\u00f0 sigla \u00feessum sj\u00f3um h\u00f6fum vi\u00f0 bo\u00f0i\u00f0 tveimur s\u00e9rfr\u00e6\u00f0ingum \u00far greininni sem b\u00faa yfir mikilli \u00feekkingu \u00e1 \u00feessu svi\u00f0i.<\/p>\n

Greg Polec<\/a>, CEO og me\u00f0stofnandi hj\u00e1 The Codest<\/a>, kynnir sinn einstaka sj\u00f3narhorn og skilning \u00e1 s\u00edfellt fl\u00f3knari \u00fer\u00f3un Fintech-i\u00f0na\u00f0urinn<\/a><\/strong>. <\/p>\n

Sem b\u00e6tist vi\u00f0 Greg \u00ed \u00feessari umr\u00e6\u00f0u er Alexandros Ioannou<\/a>, reyndur lei\u00f0togi \u00ed t\u00e6knigeiranum fyrir fj\u00e1rm\u00e1lat\u00e6kni me\u00f0 yfir 17 \u00e1ra reynslu \u00ed greininni. Alexandros hefur gegnt st\u00f6\u00f0um eins og CTO<\/a> af OROPAY, EMI me\u00f0 leyfi fr\u00e1 Central Banki<\/a> af K\u00fdpur og n\u00fdlega yfirma\u00f0ur verkfr\u00e6\u00f0i hj\u00e1 Praxis, grei\u00f0slumi\u00f0lara. Alexandros er vel kunnugur heimi fj\u00e1rt\u00e6kni<\/strong> \u00e1 \u00fer\u00f3u\u00f0um og vaxandi m\u00f6rku\u00f0um. S\u00e9rfr\u00e6\u00f0i\u00feekking hans spannar v\u00f6r\u00fer\u00f3un<\/a><\/strong>, hugb\u00fana\u00f0arverkfr\u00e6\u00f0i<\/a><\/strong>, og forystuhlutverkum, sem gerir hann a\u00f0 \u00e1berandi r\u00f6dd \u00e1 \u00feessu svi\u00f0i.<\/p>\n

\u00cd komandi umr\u00e6\u00f0u munum vi\u00f0 kafa ofan \u00ed d\u00fdnam\u00edkina af Fintech-geirinn \u00e1 K\u00fdpur<\/strong> og Afr\u00edku. \u00deeir munu kanna marka\u00f0i og framt\u00ed\u00f0arm\u00f6guleika \u00ed \u00feessum sv\u00e6\u00f0um. \u00deessi samr\u00e6\u00f0a lofar a\u00f0 veita lesendum heildst\u00e6\u00f0a skilning \u00e1 fj\u00f6lbreytileika fintech-geirans og einst\u00f6ku t\u00e6kif\u00e6rum sem hvert sv\u00e6\u00f0i hefur upp \u00e1 a\u00f0 bj\u00f3\u00f0a.<\/p>\n

Alexandros, getur\u00f0u gefi\u00f0 okkur yfirlit yfir n\u00faverandi \u00e1stand fintech-marka\u00f0arins \u00e1 K\u00fdpur?<\/h3>\n

Alexander<\/b>: Alveg \u00f6rugglega, the fj\u00e1rt\u00e6kni marka\u00f0ur<\/a> \u00e1 K\u00fdpur<\/strong> Hefur undanfarin \u00e1r upplifa\u00f0 hra\u00f0ari vaxtarbana. \u00deetta Mi\u00f0jar\u00f0arhafseyja hefur umbreyst \u00ed l\u00edflega mi\u00f0st\u00f6\u00f0 fyrir fintech-starfsemi, \u00fe\u00f6kk s\u00e9 samsetningu hagst\u00e6\u00f0ra regluger\u00f0aumhverfa og trausts bankastarfsemi<\/a> geiri og h\u00e6fileikar\u00edkur h\u00f3pur fagf\u00f3lks.<\/p>\n

Vi\u00f0 h\u00f6fum s\u00e9\u00f0 tilkomu l\u00edflegs Fintech-vistkerfi<\/strong> sem samanstendur af n\u00fdst\u00e1rlegum sprotafyrirt\u00e6kjum, t\u00e6knir\u00edsum og hef\u00f0bundnum fj\u00e1rm\u00e1lastofnunum sem hafa \u00e1huga \u00e1 stafr\u00e6n umbreyting<\/a><\/strong>. Sv\u00e6\u00f0i stafr\u00e6nna grei\u00f0slna, ke\u00f0jukeilur<\/a> T\u00e6kni, gervigreindartengd fj\u00e1rm\u00e1la\u00fej\u00f3nusta og sj\u00e1lfvirkt r\u00e1\u00f0gjafar\u00fej\u00f3nusta hafa s\u00e9rstaklega or\u00f0i\u00f0 verulega \u00fer\u00f3u\u00f0.<\/p>\n

Mikilv\u00e6gt er a\u00f0 stefnum\u00f3tandi landfr\u00e6\u00f0ileg sta\u00f0setning K\u00fdpur, sem tengir Evr\u00f3pu, Afr\u00edku og As\u00edu, hefur gert \u00fea\u00f0 a\u00f0 kj\u00f6rnum inngang fyrir Fintech-fyrirt\u00e6ki<\/a><\/strong> \u00cd leit a\u00f0 \u00fev\u00ed a\u00f0 auka al\u00fej\u00f3\u00f0lega \u00fatbrei\u00f0slu s\u00edna. Fj\u00e1rfesting landsins \u00ed h\u00e1g\u00e6\u00f0a innvi\u00f0um og stafr\u00e6num t\u00e6kni hefur enn frekar stu\u00f0la\u00f0 a\u00f0 umhverfi sem hvetur til vaxtar \u00ed fintech.<\/p>\n

Cyprus hefur or\u00f0i\u00f0 valinn sta\u00f0ur fyrir \u00fdmsar t\u00e6knifyrirt\u00e6ki, svo sem ver\u00f0launa\u00f0a netleikinn. \u00fer\u00f3unara\u00f0ili<\/a> og \u00fatgefandinn Wargaming, SaaS<\/a> Semrush-vettvangurinn og grei\u00f0slainnvi\u00f0a\u00fej\u00f3nustuveitandinn Unlimint. \u00deessi fyrirt\u00e6ki ganga til li\u00f0s vi\u00f0 l\u00edflegt vistkerfi sprotafyrirt\u00e6kja, r\u00f3tgr\u00f3inna t\u00e6knifyrirt\u00e6kja og fj\u00e1rm\u00e1lastofnana, sem \u00f6ll stu\u00f0la a\u00f0 l\u00edfskrafti k\u00fdpverska fintech-marka\u00f0arins.<\/p>\n

\u00deeir Fintech-geirinn \u00e1 K\u00fdpur<\/strong> er s\u00e9rstaklega l\u00edflegur, me\u00f0 14 l\u00f6ggiltum rafpeningastofnunum (EMI) og 10 l\u00f6ggiltum grei\u00f0slustofnunum (PI) sem starfa n\u00fa. Auk \u00feess eru 43 ums\u00f3knir til me\u00f0fer\u00f0ar (32 rafpeningastofnanir og 11 grei\u00f0slustofnanir), sem bendir til \u00f6flugrar framt\u00ed\u00f0ar pipeline n\u00fdrra a\u00f0ila, samkv\u00e6mt g\u00f6gn<\/a> fr\u00e1 Se\u00f0labanka K\u00fdpur.<\/p>\n

Allt \u00ed allt myndi \u00e9g segja a\u00f0 Fintech-marka\u00f0ur \u00e1 K\u00fdpur<\/strong> er d\u00fdnam\u00edskur, frams\u00fdnn og \u00e1n efa lofar g\u00f3\u00f0u fyrir fyrirt\u00e6ki jafnt sem fj\u00e1rfesta.<\/p>\n

Greg: Hversu m\u00f6rg fintech-fyrirt\u00e6ki m\u00e1 finna \u00e1 K\u00fdpur?<\/h3>\n

Var\u00f0andi upphaf \u00e1rsins er K\u00fdpur heimili um 494 fintech sprotafyrirt\u00e6ki<\/b> sem s\u00fdnir umfang og m\u00f6guleika \u00feessa sv\u00e6\u00f0is.<\/p>\n

Hva\u00f0 ber framt\u00ed\u00f0in \u00ed skauti s\u00e9r fyrir fintech-geirann \u00e1 K\u00fdpur og hva\u00f0a \u00e1skoranir b\u00ed\u00f0a hans?<\/h3>\n

Alexander<\/b>: Hinn framt\u00ed\u00f0 fintech-geirans \u00e1 K\u00fdpur <\/strong> \u00dea\u00f0 b\u00fd\u00f0ur upp \u00e1 mikla m\u00f6guleika, en \u00fea\u00f0 felur einnig \u00ed s\u00e9r \u00e1skoranir sem \u00fearf a\u00f0 takast \u00e1 vi\u00f0. K\u00fdpur hefur hef\u00f0bundi\u00f0 veri\u00f0 \u00feekkt fyrir a\u00f0 h\u00fdsa gjaldeyrisvi\u00f0skiptafyrirt\u00e6ki, sem nj\u00f3ta g\u00f3\u00f0s af l\u00e1gum fyrirt\u00e6kjask\u00f6ttum og a\u00f0gangi a\u00f0 innri marka\u00f0i ESB me\u00f0 passporting.<\/p>\n

\u00de\u00f3 a\u00f0 \u00feessir \u00fe\u00e6ttir hafi la\u00f0a\u00f0 fintech-fyrirt\u00e6ki til K\u00fdpur, eru enn hindranir sem \u00fearf a\u00f0 yfirst\u00edga. <\/p>\n

Eitt verulegt \u00e1skorun er Regluger\u00f0arlandslag<\/b>. Fintech-fyrirt\u00e6ki \u00feurfa a\u00f0 rata \u00ed gegnum s\u00edbreytilegar regluger\u00f0ir og vinna n\u00e1i\u00f0 me\u00f0 stj\u00f3rnv\u00f6ldum og eftirlitsa\u00f0ilum til a\u00f0 byggja upp trausta fj\u00e1rm\u00e1lalega og t\u00e6knilega innvi\u00f0i \u00e1 eyjunni. A\u00f0 b\u00e6ta samskipti og efla skilvirkari samr\u00e6\u00f0u milli marka\u00f0sa\u00f0ila og eftirlitsa\u00f0ila er lykilatri\u00f0i fyrir sj\u00e1lfb\u00e6ra v\u00f6xt fintech-fyrirt\u00e6kja \u00e1 K\u00fdpur.<\/p>\n

Anna\u00f0 \u00e1skorun felst \u00ed sta\u00f0bundnum h\u00e6fileikamarka\u00f0i. The Eftirspurn eftir h\u00e6fum hugb\u00fana\u00f0i verkfr\u00e6\u00f0ingar<\/a> og forritarar<\/b> Hefur h\u00e6kka\u00f0 verulega vegna hra\u00f0ari vaxtar stafr\u00e6nna \u00fej\u00f3nusta \u00e1 heimsv\u00edsu. K\u00fdpur, eins og m\u00f6rg \u00f6nnur sv\u00e6\u00f0i, stendur frammi fyrir skorti \u00e1 h\u00e6fileikum. Til a\u00f0 la\u00f0a a\u00f0 og halda h\u00e6fileikum \u00feurfa fyrirt\u00e6ki ekki a\u00f0eins a\u00f0 bj\u00f3\u00f0a samkeppnish\u00e6f fj\u00e1rhagsleg kj\u00f6r heldur einnig a\u00f0 bj\u00f3\u00f0a upp \u00e1 a\u00f0la\u00f0andi t\u00e6knistakka, vel skilgreindan verkefni<\/a> t\u00e6knil\u00fdsingar og fr\u00e1b\u00e6rir vinnuskilyr\u00f0i.<\/p>\n

Ennfremur, me\u00f0 vaxandi vins\u00e6ldum stafr\u00e6nna \u00fej\u00f3nusta, net\u00f6ryggi<\/a> Ver\u00f0ur br\u00fdn \u00e1hyggjuefni. Fintech-fyrirt\u00e6ki <\/strong> Ver\u00f0ur a\u00f0 forgangsra\u00f0a traustum \u00f6ryggisr\u00e1\u00f0st\u00f6funum til a\u00f0 vernda g\u00f6gn og vi\u00f0skipti vi\u00f0skiptavina. A\u00f0 fylgja al\u00fej\u00f3\u00f0legum bestu starfsh\u00e1ttum og innlei\u00f0a strangar \u00f6ryggisreglur er \u00f3missandi fyrir framt\u00ed\u00f0ar\u00e1rangur og \u00e1rei\u00f0anleika Fintech-geirinn \u00e1 K\u00fdpur <\/strong>.<\/p>\n

\u00der\u00e1tt fyrir \u00feessar \u00e1skoranir eru t\u00e6kif\u00e6rin fyrir Fintech \u00e1 K\u00fdpur <\/strong> eru veruleg. Me\u00f0 a\u00f0ild sinni a\u00f0 ESB og a\u00f0gangi a\u00f0 st\u00e6rri marka\u00f0i er K\u00fdpur vel \u00ed stakk b\u00fai\u00f0 til a\u00f0 la\u00f0a a\u00f0 s\u00e9r fleiri fintech-fyrirt\u00e6ki. Me\u00f0 \u00fev\u00ed a\u00f0 efla samstarf milli atvinnugreina, stj\u00f3rnvalda og eftirlitsa\u00f0ila og takast \u00e1 vi\u00f0 regluger\u00f0ar-, h\u00e6fileika- og net\u00f6ryggis\u00e1skoranir getur K\u00fdpur fest sig \u00ed sessi sem l\u00edflegur fintech-mi\u00f0st\u00f6\u00f0 sem kn\u00fdr fram n\u00fdsk\u00f6pun og efnahagsv\u00f6xt \u00ed landinu.<\/p>\n

Hva\u00f0a a\u00f0rir m\u00f6gulegir marka\u00f0ir g\u00e6tu hrista fintech-senuna \u00e1 n\u00e6stunni?<\/h3>\n

Alexander<\/b> : Alveg \u00f6rugglega Su\u00f0austur-As\u00edu<\/b>. M\u00f6guleikar fintech \u00fear stafa af st\u00f3rum h\u00f3pi f\u00f3lks sem \u00e1 ekki bankareikning, vaxandi millist\u00e9tt, h\u00e1um notkunarhlutf\u00f6llum netsins og snjalls\u00edma og stu\u00f0ningsr\u00edkisstefnum. \u00deessir \u00fe\u00e6ttir skapa umhverfi sem er \u00feroska\u00f0 fyrir v\u00f6xt fintech, me\u00f0 lykilsvi\u00f0in stafr\u00e6n grei\u00f0slukerfi, netl\u00e1nveitingar og tryggingart\u00e6kni.<\/p>\n

Greg<\/b>: Afr\u00edka<\/b> b\u00fd\u00f0ur upp \u00e1 gr\u00ed\u00f0arlegt t\u00e6kif\u00e6ri fyrir fintech-fyrirt\u00e6ki. Vel heppnu\u00f0 afr\u00edsk fintech-fyrirt\u00e6ki samr\u00e6ma ver\u00f0m\u00e6tal\u00fdsingar s\u00ednar vi\u00f0 tiltekna marka\u00f0i og a\u00f0laga vi\u00f0skiptal\u00edk\u00f6n s\u00edn til a\u00f0 m\u00e6ta einst\u00f6kum efnahagslegum raunveruleika og \u00fe\u00f6rfum vi\u00f0skiptavina. \u00deau n\u00e1 sj\u00e1lfb\u00e6rum vexti me\u00f0 hra\u00f0ri vi\u00f0skiptavinamyndun, me\u00f0 \u00fev\u00ed a\u00f0 n\u00fdta s\u00e9r fyrirfram tilverandi tengslanet og samkeppnish\u00e6f ver\u00f0lagningu. Stefnur um tekjumyndun beinast a\u00f0 kjarnastarfsemi e\u00f0a n\u00fdta margv\u00edslegar tekjulindir. Til a\u00f0 a\u00f0lagast l\u00e1gu me\u00f0altalstakastigi \u00e1 notanda draga fintech-fyrirt\u00e6ki \u00far kostna\u00f0i og taka upp grei\u00f0slu eftir notkun. N\u00e1i\u00f0 \u00fativist \u00e1n netsambands er trygg\u00f0 me\u00f0 umbo\u00f0snetum og samstarfi vi\u00f0 n\u00faverandi innvi\u00f0i. Frumkv\u00e6\u00f0isamskipti vi\u00f0 eftirlitsa\u00f0ila tryggja reglufylgni. F\u00edntekkigeirinn \u00ed Afr\u00edku<\/strong> hefur or\u00f0i\u00f0 a\u00f0 st\u00f3rspilara, me\u00f0 vaxandi fj\u00e1rm\u00f6gnun og verulegri vir\u00f0issk\u00f6pun.<\/p>\n

Greg, \u00fe\u00fa nefndir Afr\u00edku, hvernig upplifir \u00fe\u00fa n\u00faverandi \u00e1stand Fintech-marka\u00f0arins \u00fear?<\/h3>\n

Greg<\/b>: N\u00faverandi \u00e1stand Fintech-marka\u00f0ur \u00ed Afr\u00edku<\/strong> er \u00f3tr\u00falega d\u00fdnam\u00edsk og lofandi. Afr\u00edka hefur or\u00f0i\u00f0 a\u00f0 i\u00f0r\u00e6nu mi\u00f0st\u00f6\u00f0 fyrir n\u00fdsk\u00f6pun \u00ed fj\u00e1rt\u00e6knigeiranum, me\u00f0 fj\u00f6lda fyrirt\u00e6kja sem hafa n\u00e1\u00f0 verulegum framf\u00f6rum \u00ed a\u00f0 gj\u00f6rbylta fj\u00e1rm\u00e1la\u00fej\u00f3nusta<\/strong> um meginlandi\u00f0. <\/p>\n

Marka\u00f0urinn einkennist af l\u00edflegu vistkerfi sprotafyrirt\u00e6kja, r\u00f3tgr\u00f3inna a\u00f0ila og samstarfs milli fintech-fyrirt\u00e6kja, hef\u00f0bundinna fj\u00e1rm\u00e1lastofnana og fars\u00edmanetaa\u00f0ila.<\/p>\n

Ein af lykilstyrkleikum afr\u00edska fintech-marka\u00f0arins er hans h\u00e6fni til a\u00f0 takast \u00e1 vi\u00f0 einst\u00f6k t\u00e6kif\u00e6ri og \u00e1skoranir sem eru til sta\u00f0ar \u00e1 meginlandinu<\/b>. Fintech-lausnir<\/a> \u00ed Afr\u00edku<\/strong> hafa veri\u00f0 lykilatri\u00f0i \u00ed a\u00f0 efla fj\u00e1rm\u00e1lainnsl\u00edmun, einkum me\u00f0al \u00feeirra sem eru \u00e1n bankareiknings og \u00feeirra sem hafa takmarka\u00f0an a\u00f0gang a\u00f0 bank\u00fej\u00f3nustu. <\/p>\n

Fars\u00edmagjaldeyriskerfi eins og M-Pesa \u00ed Ken\u00fda hafa gj\u00f6rbylt \u00fev\u00ed hvernig f\u00f3lk sendir og tekur \u00e1 m\u00f3ti peningum, \u00e1 me\u00f0an stafr\u00e6nar l\u00e1nveitingalausnir hafa veitt einstaklingum og sm\u00e1fyrirt\u00e6kjum a\u00f0gang a\u00f0 l\u00e1num.<\/p>\n

F\u00edntekkimarka\u00f0ur Afr\u00edku hefur s\u00fdnt \u00f3tr\u00falega seiglu og a\u00f0l\u00f6gunarh\u00e6fni. F\u00edntekkifyrirt\u00e6ki hafa n\u00fdtt s\u00e9r fars\u00edmat\u00e6kni<\/a>, n\u00fdst\u00e1rleg grei\u00f0slukerfi og \u00f3hef\u00f0bundnar gagnagjafir til a\u00f0 yfirst\u00edga innvi\u00f0ah\u00f6ft og \u00fej\u00f3na fj\u00f6lbreyttum vi\u00f0skiptavinah\u00f3pum. \u00deessi sveigjanleiki hefur r\u00e6kta\u00f0 n\u00fdsk\u00f6punarmenningu sem leitt hefur til \u00fer\u00f3unar brautry\u00f0jandi lausna, svo sem agri-fintech-vettvanga og millif\u00e6rslna, og skapa\u00f0 hvetjandi umhverfi fyrir n\u00fdsk\u00f6pun og tryggt neytendavernd.<\/p>\n

N\u00faverandi \u00e1stand fintech-marka\u00f0arins \u00ed Afr\u00edku<\/strong> er einkenndur af gr\u00ed\u00f0arlegur v\u00f6xtur<\/b>, n\u00fdsk\u00f6pun og sterkur f\u00f3kus \u00e1 a\u00f0 m\u00e6ta einst\u00f6kum \u00fe\u00f6rfum afr\u00edskra \u00edb\u00faa. \u00de\u00f3 a\u00f0 \u00e1skoranir s\u00e9u enn til sta\u00f0ar l\u00edtur framt\u00ed\u00f0in bjart \u00fat \u00fear sem vistkerfi\u00f0 heldur \u00e1fram a\u00f0 \u00fer\u00f3ast og fintech-fyrirt\u00e6ki n\u00fdta t\u00e6kni til a\u00f0 stu\u00f0la a\u00f0 fj\u00e1rm\u00e1lainnlimun, efnahagslegri valdeflingu og umbreytandi breytingum um alla \u00e1lfuna.<\/p>\n

Hver er framt\u00ed\u00f0 fintech-geirans \u00ed Afr\u00edku og hva\u00f0a \u00e1skoranir g\u00e6tu hann sta\u00f0i\u00f0 frammi fyrir?<\/h3>\n

Greg<\/b>: Framt\u00ed\u00f0 Fintech-geirinn \u00ed Afr\u00edku<\/strong> er \u00f3tr\u00falega lofandi og b\u00fd\u00f0ur upp \u00e1 fj\u00f6lm\u00f6rg t\u00e6kif\u00e6ri til vaxtar og n\u00fdsk\u00f6punar. Afr\u00edsk fintech-fyrirt\u00e6ki hafa \u00feegar s\u00fdnt fram \u00e1 h\u00e6fni s\u00edna til a\u00f0 yfirst\u00edga algenga hindrun og n\u00fdta s\u00e9r einstaka einkenni meginlandsins. Hins vegar eru \u00e1skoranir sem \u00fearf a\u00f0 takast \u00e1 vi\u00f0 svo geirinn n\u00e1i fullum m\u00f6guleikum s\u00ednum.<\/p>\n

Eitt af helstu \u00e1skorununum er breytileiki milli afr\u00edskra marka\u00f0a<\/b>. Fintech-fyrirt\u00e6ki \u00feurfa a\u00f0 s\u00e9rsn\u00ed\u00f0a vir\u00f0istilbo\u00f0 s\u00edn a\u00f0 tilteknum m\u00f6rku\u00f0um til a\u00f0 n\u00e1 Stigst\u00e6r\u00f0<\/a> og \u00e1rangur. A\u00f0 a\u00f0laga vi\u00f0skiptal\u00edk\u00f6n a\u00f0 fj\u00f6lbreyttum efnahagslegum raunveruleika og \u00fe\u00f6rfum vi\u00f0skiptavina \u00ed mismunandi afr\u00edskum l\u00f6ndum er lykilatri\u00f0i fyrir sj\u00e1lfb\u00e6ra \u00fer\u00f3un.<\/p>\n

Anna\u00f0 verkefni felst \u00ed vi\u00f0skiptavinahagnun<\/b>. \u00de\u00f3 a\u00f0 \u00edb\u00faafj\u00f6ldi Afr\u00edku bj\u00f3\u00f0i upp \u00e1 gr\u00ed\u00f0arlega m\u00f6guleika getur veri\u00f0 krefjandi a\u00f0 afla vi\u00f0skiptavina vegna takmarka\u00f0rar innvi\u00f0a og minni kaupm\u00e1ttar. \u00c1rangursr\u00edk fintech-fyrirt\u00e6ki \u00ed Afr\u00edku hafa \u00fer\u00f3a\u00f0 n\u00fdst\u00e1rlegar a\u00f0fer\u00f0ir til a\u00f0 yfirst\u00edga \u00feessar \u00e1skoranir, til d\u00e6mis me\u00f0 \u00fev\u00ed a\u00f0 n\u00fdta s\u00e9r n\u00faverandi fysiska innvi\u00f0i og bj\u00f3\u00f0a samkeppnish\u00e6f ver\u00f0.<\/p>\n

Vi\u00f0skiptaf\u00e6rsla<\/b> er annar mikilv\u00e6gur \u00fe\u00e1ttur. Fintech-fyrirt\u00e6ki \u00feurfa a\u00f0 tryggja sj\u00e1lfb\u00e6rar tekjulindir anna\u00f0hvort me\u00f0 kjarnastarfsemi sinni e\u00f0a me\u00f0 \u00fev\u00ed a\u00f0 innlei\u00f0a margv\u00edslegar tekjumyndunara\u00f0fer\u00f0ir. A\u00f0 samr\u00e6ma \u00fe\u00f6rfina fyrir hagkv\u00e6mni og ar\u00f0semi er nau\u00f0synlegt \u00e1 marka\u00f0i \u00fear sem me\u00f0altals tekjur \u00e1 notanda eru tilt\u00f6lulega l\u00e1gar.
\nEnnfremur felur yfirr\u00e1\u00f0 rei\u00f0ufj\u00e1rvi\u00f0skipta \u00ed Afr\u00edku b\u00e6\u00f0i \u00e1skorun og t\u00e6kif\u00e6ri. Fintech-fyrirt\u00e6ki \u00feurfa a\u00f0 finna lei\u00f0ir til a\u00f0 n\u00e1 til vi\u00f0skiptavina utan netsins og veita fj\u00e1rm\u00e1la\u00fej\u00f3nustu \u00e1 sv\u00e6\u00f0um me\u00f0 takmarka\u00f0a stafr\u00e6na innvi\u00f0i. A\u00f0 byggja upp umbo\u00f0sn\u00f6tur og n\u00fdta s\u00e9r n\u00faverandi verslanir eru stefnur sem \u00e1rangursr\u00edk afr\u00edsk fintech-fyrirt\u00e6ki beita.<\/p>\n

K\u00fdpur vs. Afr\u00edka: Yfirlit yfir fintech-marka\u00f0i \u00ed hnotskurn <\/h2>\n

Marka\u00f0suppl\u00fdsingar<\/h3>\n