Headline: Why the Next Global Reserve Currency Might Be a Mobile App
While the West debates the nuances of credit cards, Africa has already gone cashless. In Kenya, M-Pesa handles over 50% of the country’s GDP. This isn't just "fintech"; it's a total reimagining of what money is.
By removing the friction of traditional brick-and-mortar banking, African economies are creating the most efficient micro-transaction ecosystems on the planet. This data-rich environment allows for instant credit scoring and localized lending that Western banks can only dream of. The lesson for the global investor is simple: The "unbanked" weren't a problem to be solved; they were a market waiting for a better tool. That tool is here, and it’s transforming a continent into a digital-first superpower.
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