• Tosin Eniolorunda co-founded Moniepoint in 2015 to provide integrated financial services for businesses and consumers across Africa.

• The fintech offers payments, banking, bill payments, financial management tools and credit products tailored to small and medium-sized enterprises (SMEs).

• Eniolorunda built Moniepoint after gaining technical and operational experience at Interswitch, one of Africa’s leading payments companies.

Nigerian engineer Tosin Eniolorunda, a mechanical engineer by training and a prominent figure in Nigeria’s technology sector, serves as co-founder and chief executive officer of Moniepoint. The fintech, which launched in 2015, has established itself as a key player in Africa’s financial technology ecosystem by providing an integrated financial services platform for businesses and individuals.

Moniepoint has developed a robust infrastructure that simplifies day-to-day money management. Through a suite of intuitive digital tools, the platform enables users to make payments, manage bank accounts and settle bills. The fintech primarily targets small and medium-sized enterprises, which serve as major drivers of local economic activity. At the same time, the platform remains accessible to individuals for routine financial transactions.

Moreover, Moniepoint offers financing solutions designed to support SME growth. The company provides credit products that help businesses replenish inventory and fund commercial expansion.

In addition to transaction services, Moniepoint integrates advanced financial management tools into its platform. These features allow business owners to monitor expenses closely and improve the organization of their day-to-day finances. Consequently, users can manage both operational and financial activities through a single platform.

To support this volume of activity, the startup relies on advanced technology infrastructure capable of processing transactions at scale while maintaining reliability. By combining payments, banking services and operational tools, Moniepoint continues to pursue its mission of democratizing access to financial services and supporting economic activity among its users.

Eniolorunda built his entrepreneurial success on a strong academic foundation. He graduated from Obafemi Awolowo University in Nigeria with a bachelor's degree in mechanical engineering in 2007. He began his professional career in 2005 through an internship at Schlumberger. That experience paved the way for his move to Interswitch in 2009.

Eniolorunda spent six years at Interswitch before launching Moniepoint in 2015. During that period, he held positions including software engineer and operations manager. These roles enabled him to acquire the technical expertise and operational experience that later supported the creation and growth of Moniepoint.

This article was initially published in French by Melchior Koba

Adapted in English by Ange J. A de Berry Quenum

• Chadian fintech Konoom offers a digital wallet that enables money transfers, merchant payments, bill payments and other financial services through mobile, web, USSD and WhatsApp channels.

• The company targets financial inclusion by serving both smartphone users and customers with basic mobile phones in areas with limited internet connectivity.

• Konoom aims to bridge traditional financial services and digital finance in a market where cash remains dominant.

Chadian fintech Konoom is expanding access to digital financial services through a multi-channel platform that combines mobile applications, web services, USSD technology and WhatsApp integration. The company offers an electronic wallet that allows individuals and businesses to perform money transfers, merchant payments, bill payments and other financial transactions from mobile phones or computers.

Konoom launched operations in 2025 and operates from N'Djamena. Brahim Moussa Hassan leads the company as chief executive officer. The startup describes itself as a payment institution licensed by Chad’s financial authorities and the Central African Banking Commission (COBAC).

One of the platform’s distinguishing features lies in its accessibility strategy. Konoom provides services through mobile applications available on iOS and Android, a web portal, USSD codes that function without internet access and WhatsApp-based services.

The company designed this approach to reach both smartphone users and consumers who rely on basic mobile phones, particularly in regions where internet connectivity remains limited.

In addition, Konoom enables transfers between electronic wallets, bank accounts and agent networks. The platform also offers business-oriented services, including bulk payments, supplier settlements and digital payment acceptance through QR codes.

Konoom says it seeks to address financial exclusion, which continues to affect a significant share of Chad’s population. The company aims to create stronger links between traditional financial services and emerging digital financial practices.

“We want to build a modern, transparent and reliable financial ecosystem capable of supporting the needs of individuals, merchants, businesses and public institutions,” Brahim Moussa Hassan, Chief Executive Officer of Konoom, said during the platform’s launch.

The company enters a market where digital financial services continue to expand but where cash remains the dominant means of payment.

Konoom’s long-term success will depend on several operational factors. The company must expand its agent network, encourage merchants to accept digital payments and build trust among users. These challenges affect most fintech companies operating across Africa as they compete to increase adoption of digital financial services.

This article was initially published in French by Adoni Conrad Quenum

Adapted in English by Ange J.A de Berry Quenum

• SoshoPay operates in Zimbabwe, South Africa and Zambia, providing digital tools that support clean energy distribution and financing.

• The platform has supported more than 568 small and medium-sized enterprises, half of which are women-led, while tracking over $400,000 in assets.

• SoshoPay maintains a 98% payment success rate through a system that combines customer onboarding, payment monitoring and remote asset management.

Zimbabwean entrepreneur Simbarashe Gwenzi serves as co-founder and chief executive officer of SoshoPay, a technology company that develops digital tools for clean energy providers, distributors and financial institutions.

Founded in 2023 and headquartered in the United Kingdom, SoshoPay currently deploys its solutions in Zimbabwe, South Africa and Zambia. The company enables partners to manage the entire customer journey, from initial registration to payment monitoring and equipment usage tracking. Under this model, partners retain responsibility for financing, product distribution and customer relationships.

SoshoPay integrates customer registration tools, equipment monitoring systems and analytical dashboards to streamline operations. These features give financial institutions and distributors greater visibility into customer payment behavior and consumption patterns. As a result, partners can refine their services and make more informed strategic decisions.

In addition, the platform allows partners to remotely monitor financed installations, helping them optimize technical operations and reduce operational inefficiencies. SoshoPay also offers integration tools that connect directly with clients’ existing payment systems and software infrastructure.

The company focuses on strengthening the economic capacity of small businesses and has already reported measurable results. According to information published on its corporate website, the platform has supported more than 568 small and medium-sized enterprises, including a significant share led by women. The company also tracks more than $400,000 in assets and maintains a payment success rate of 98%.

Simbarashe Gwenzi has built a career that combines expertise in finance, risk management and technology. He earned a bachelor's degree in economics from the University of Zimbabwe in 2014. He later obtained a master's degree in actuarial science, risk management and insurance from the National University of Science and Technology in 2018.

Gwenzi began his professional career in 2012 as a credit risk analyst at KM Financial Solutions. He subsequently joined the insurance sector as a data analyst at Heritage Life in 2018. He then worked as a data analyst at retailer Verimark between 2020 and 2021.

Alongside his corporate career, Gwenzi pursued several entrepreneurial ventures. In 2016, he co-founded Nanosoft IT Solutions, a technology company that he led until 2021. He also founded YEC Fund, a microfinance institution that supports businesses, and currently serves as a board member of the organization.

This article was initially published in French by Melchior Koba

Adapted in English by Ange J.A de Berry Quenum

• SupraPay provides African freelancers, creators, consultants and businesses with dedicated dollar and euro banking details to facilitate international payments.

• The platform converts incoming funds and transfers them directly to local mobile money wallets, with most withdrawals processed in less than one hour.

• Jonathan Tchuente, a Cameroonian software engineer and DevSecOps specialist, co-founded the fintech platform in 2024.

Cameroonian entrepreneur and technology expert Jonathan Tchuente is the co-founder of SupraPay, an innovative financial platform designed to help freelancers, content creators, consultants and businesses across Africa receive payments from overseas with greater ease and reliability.

Founded in 2024, SupraPay targets professionals who work with international clients or rely on global freelance platforms. The platform supports a wide range of payment flows, including advertising revenue, direct contracts with clients outside Africa and services related to managing remote teams.

To facilitate these transactions, SupraPay assigns dedicated international banking details in U.S. dollars or euros to each user. The system allows African beneficiaries to receive transfers as if they held local bank accounts in those currency zones, removing traditional barriers to cross-border commerce.

Once users receive funds, the platform converts the money and transfers it directly to local mobile money services. SupraPay provides transparent transaction tracking and fast execution. The company says it processes most withdrawals in less than one hour.

Jonathan Tchuente trained as a software engineer at the Institut Universitaire de la Côte in Cameroon. He built extensive technical expertise throughout his career and currently serves as a Development, Security and Operations (DevSecOps) engineer at ZedPay, a technology company based in Niger.

Tchuente began his professional career in 2020 at Jaba Space, a collaborative hub for entrepreneurs, where he worked as a Development and Operations (DevOps) engineer. He subsequently expanded his experience and applied his expertise across several technology-focused organizations.

He later held DevOps engineering roles at financial platform Payunit, software engineering company Zerofiltre and the PKFokam Research Center, a center of excellence focused on technology research and innovation.

This article was initially published in French by Melchior Koba

Adapted in English by Ange J. A de Berry Quenum

• Ivorian fintech startup Green Pay launched an interoperable platform that aggregates mobile money, credit cards, QR codes, and e-wallets into a single terminal.
• Foundering partners Anouar Traboulsi and Hervé Tairou aim to build a vast merchant network to bridge the gap between cash-reliant retailers and mobile banking users.
• The platform consolidates retail operations by processing bill payments, executing money transfers, and generating real-time business activity reports.

Ivorian financial technology startup Green Pay is aggressively capturing market share in the merchant services sector. The company provides a unified ecosystem that helps local retailers accept multiple digital payment methods seamlessly.

The emerging fintech firm designed its core payment infrastructure to eliminate technical fragmentation for businesses. The software allows merchants to process mobile money transactions, bank cards, QR code payments, and electronic wallets. Consequently, corporate clients manage their entire digital revenue streams without purchasing multiple hardware terminals or executing complex software integrations.

Co-founders Anouar Traboulsi and Hervé Tairou launched the Abidjan-based business in 2019. The executive team targets a clear operational milestone to "create a vast network of acceptance points available to mobile subscribers for merchant payments."

This commercial strategy addresses a heavily fragmented West African financial landscape where diverse mobile wallet ecosystems coexist alongside traditional banking networks. Green Pay leverages technical interoperability to accelerate financial inclusion and modernize the region's retail commerce sector.

The enterprise platform specifically serves high-volume retail stores, commercial distribution chains, and independent service providers. In addition to core transaction processing, Green Pay delivers critical value-added features to its clients. The system automates utility bill payments, manages peer-to-peer money transfers, and produces analytical business activity reports.

The corporate business model relies on an interconnected network of physical terminals and digital acceptance points. This infrastructure expands consumer access to digital financial services, particularly within geographic regions that lack physical bank branches. However, the company faces distinct market challenges, including the need to secure widespread merchant adoption and maintain durable technical integrations with top-tier mobile money operators and commercial banking institutions.

The expansion of Green Pay coincides with a broader macroeconomic surge in digital payments across West Africa. Rising smartphone penetration rates and increasing consumer adoption of mobile transaction systems fuel this structural regional growth.

Over the long term, these integrated platforms will reduce cash dependency and formalize capital flows within both informal and formal African retail markets. Rival regional fintech firms, including Djamo, FeexPay, and CinetPay, pursue similar market opportunities in this rapidly evolving sector.

This article was initially published in French by Adoni Conrad Quenum

Adapted in English by Ange J.A de Berry Quenum

• BorderPay provides multi-currency accounts and wallets that support U.S. dollars, euros and British pounds.

• The fintech enables users to send, receive, convert and withdraw funds globally while connecting with mobile money networks in more than 20 African countries.

• Founder Mark Ikaba also launched CasaFlow in 2025, an AI-powered operating system designed to automate business workflows.

Mark Ikaba is the founder and chief executive officer of BorderPay, a fintech startup that offers a financial platform designed to simplify international money flows for both individuals and businesses.

BorderPay launched in 2023 and targets a broad customer base that includes freelancers, entrepreneurs, students, remote workers and content creators. The company tackles long-standing challenges in cross-border payments, including high transaction costs, lengthy processing times and geographic restrictions.

The platform offers multi-currency account and wallet management capabilities, particularly in U.S. dollars, euros and British pounds. Through a single interface, users can hold, send and receive funds globally, convert currencies instantly for withdrawals or payments, and transfer money to bank accounts in the United States, Europe and the United Kingdom.

BorderPay complements its payment services with virtual cards designed for international online purchases. In addition, the company emphasizes interoperability with mobile money networks. Users can fund accounts and withdraw money through mobile money channels in more than 20 African countries.

Ikaba earned a national diploma in information technology from Mik Technology GS in 2016. Beyond BorderPay, he founded CasaFlow in 2025. The company develops an artificial intelligence-powered operating system for modern businesses.

CasaFlow automates post-meeting management processes by converting conversations into actionable tasks. The platform updates customer relationship management systems instantly, modifies contracts, assigns responsibilities and centralizes organizational knowledge.

This article was initially published in French by Melchior Koba

Adapted in English by Ange J.A de Berry Quenum

• Gachlem Ngassaki-Zoni founded DigiPay Group in 2020 to facilitate real-time digital payments and cross-border money transfers across Africa.
• DigiPay connects users to a broad network of mobile money operators, banks, and international payment networks to improve transaction speed and interoperability.
• The entrepreneur previously served as Regional Director for West and Central Africa at cross-border payments specialist TerraPay before launching his ventures.

Gachlem Ngassaki-Zoni is a Congolese entrepreneur and the founder and chief executive officer of DigiPay Group, a pan-African fintech company specializing in digital payments and money transfers.

Founded in 2020, DigiPay aims to streamline financial transactions across borders. The company enables users to send, receive, and manage payments in real time. Moreover, the company relies on an extensive network of partners that includes mobile financial service operators, banks, and international payment networks.

As a result, DigiPay seeks to improve connectivity between African payment ecosystems and global financial networks.

DigiPay structures its offering around several complementary services. The company provides money transfer solutions that facilitate remittances between Africa and numerous destinations worldwide. These services target both individuals who support family members abroad and entrepreneurs who need to execute international payments.

The company emphasizes the speed, simplicity, and security of its transfer operations. Furthermore, DigiPay aims to reduce friction in cross-border transactions and improve access to international financial services.

In addition to money transfer services, DigiPay markets a range of digital payment cards under the DigiCard brand. The company offers these cards to individuals, freelancers, and businesses. The cards allow users to make purchases, pay for subscriptions, and manage business-related expenses through digital channels. Consequently, DigiPay is expanding its product ecosystem beyond remittances and payment processing.

Alongside his fintech activities, Gachlem Ngassaki-Zoni serves as founder and chief executive officer of Gachlem.com, a real estate company that he launched in 2022. He also holds a shareholder position in Noki Noki Services, a Congolese express grocery delivery company. These investments reflect his broader interest in technology-enabled business models and consumer services.

Gachlem Ngassaki-Zoni holds a master's degree in economics and management from Paris 1 Panthéon-Sorbonne University, which he obtained in 2019. Before launching his entrepreneurial ventures, he strengthened his industry expertise through several professional roles. Most notably, he served as Regional Director for West and Central Africa at TerraPay, a company specializing in cross-border payments. 

This article was initially published in French by Melchior Koba

Adapted in English by Ange J.A de Berry Quenum

• South African startup MILLI charges a fixed fee of 1,000 rand ($60) instead of taking a percentage of donations.
• The platform enables individuals, communities and organizations to launch fundraising campaigns within minutes.
• Co-founder Dario Eugenio wants to strengthen local solidarity through technology-driven community financing tools.

South African entrepreneur serves as chief executive officer of MILLI, a crowdfunding platform he co-founded in 2023 alongside his professor, Peter Konhäusner.

MILLI allows individuals, communities and organizations to launch fundraising campaigns within minutes through a simplified three-step process. Users first tell their story, then define a financial target and finally illustrate the project with images.

Once campaigns go live, users can share them through email, messaging applications and social media platforms to increase visibility. In addition, the platform enables users to monitor contributions in real time and transfer funds directly into bank accounts.

Unlike traditional crowdfunding platforms that deduct a percentage from each donation, MILLI applies a single flat fee of 1,000 South African rand, or about $60, regardless of the amount raised. The company says this model allows project owners to retain nearly all collected funds.

Beyond the financial model, the startup seeks to strengthen national solidarity by relying on an active donor community willing to support social, humanitarian and community-development causes.

“We do not simply host campaigns, we actively contribute to funding them through our audience and partners,” Dario Eugenio told Disrupt Africa. “The platform revolves around storytelling, video and social-media sharing, enabling users to create compelling campaigns and distribute them effectively. Our core belief remains simple: better stories generate more funding.”

To improve accessibility, MILLI also operates through mobile applications on iOS and Android devices. The application allows users to manage fundraising campaigns directly from smartphones, monitor donations, receive instant notifications and communicate with supporters.

Dario Eugenio holds a multidisciplinary academic profile. He graduated from the University of Pretoria in 2020 with a bachelor’s degree in psychology and international relations. He completed a second bachelor’s degree in psychology in 2021 at the South African College of Applied Psychology.

He also earned a master’s degree in leadership for digital transformation in 2023 from the GISMA University of Applied Sciences.

This article was initially published in French by Melchior Koba

Adapted in English by Ange J.A de Berry Quenum

• Kenyan fintech entrepreneur Felix Sifuna co-founded PEMiG to expand access to financing for underserved entrepreneurs and individuals.
• PEMiG uses an alternative credit-scoring engine that analyzes financial behavior and social networks instead of relying solely on banking history.
• The company also converts business loans into digital investment assets to attract investors and support local economic activity.

Felix Sifuna serves as co-founder and chief executive officer of PEMiG, a digital financial services company that focuses on underserved borrowers.

Sifuna founded PEMiG in 2022 with Philip Amwata, Priya Maharaj and Lilian Kariba. The company aims to remove barriers to entrepreneurship by improving access to financing for small businesses and individuals who traditional banking systems often exclude.

To address the lack of formal banking histories among many borrowers, PEMiG developed an alternative evaluation system known as the Causal Credit Scoring Engine.

Instead of relying exclusively on conventional lending criteria, the platform analyzes users’ financial behavior and social networks to assess creditworthiness. The company said the model allows more entrepreneurs to access financing and contribute to Africa’s economic growth.

Beyond lending services, PEMiG also operates a strategic investment platform.

The company converts loans issued to businesses into digital assets that investors can purchase. This mechanism allows investors to diversify portfolios while directly financing local economic activities. Investors can also generate returns tied to loan repayments.

By democratizing access to investment opportunities, PEMiG aims to stimulate job creation and support regional economic development.

Alongside his role at PEMiG, Sifuna works as a senior venture scout at LvlUp Ventures, an international venture capital fund that supports early-stage startups.

He also serves as chief executive officer of FINECO, a consulting firm that advises companies on digital transformation strategies.

Sifuna graduated from Meru University of Science and Technology with a bachelor’s degree in clinical medicine. He also earned a business administration certificate from Harvard Business School Online.

This article was initially published in French by Melchior Koba

Adapted in English by Ange J.A de Berry Quenum

• Lova Diakité founded Joonapay in 2023 to centralize financial management for SMEs and large corporations across the UEMOA region.
• The platform automates manual tasks by integrating invoicing, supplier payments, and real-time expense tracking into a single interface.
• Joonapay supports diverse payment methods including bank transfers, credit cards, and mobile money, with plans to launch physical and virtual corporate cards.

Malian tech entrepreneur Lova Diakité leads this shift from his base in Côte d’Ivoire. Diakité serves as the founder and Chief Executive Officer of Joonapay. This financial platform specifically serves the needs of businesses operating within Francophone West Africa.

Diakité established Joonapay in 2023 to simplify daily corporate operations. The platform offers a comprehensive suite of tools through a unified digital interface. The solution currently assists small and medium-sized enterprises (SMEs) throughout the West African Economic and Monetary Union (UEMOA). Furthermore, large financial departments utilize the platform to manage complex regional requirements.

The software centralizes several essential financial services for its users. Clients create professional invoices and receive customer payments directly through the system. The platform also enables users to settle supplier invoices and track corporate cash flow. Additionally, Joonapay supports multiple payment channels including bank transfers, credit cards, and mobile money services.

Joonapay prioritizes the automation of repetitive financial duties. Many regional firms still perform these tasks manually, which increases the risk of error. The platform simplifies internal validation processes and provides real-time oversight of professional spending. Teams use the system to centralize receipts and manage expense justifications efficiently. Meanwhile, the company prepares the upcoming launch of both virtual and physical corporate cards for employee expenses.

Diakité brings significant international experience to the West African fintech sector. He earned a bachelor’s degree in economics from West Chester University of Pennsylvania in the United States. He launched his professional career in 2015 within the university’s IT support department.

His career progressed through several specialized technical roles in the American market. Diakité joined Edu-Tech Academic Solutions as a support engineer in 2018. He then managed systems and networks for The Baldwin School starting in 2020. US-based healthtech firm Hinge Health recruited him as an IT specialist in 2023. Finally, Diakité served as a systems engineer for Camunda, a German company specializing in business process automation, before focusing on his current venture.

This article was initially published in French by Melchior Koba

Adapted in English by Ange J.A de Berry Quenum