FinTech in Africa: an editorial introduction

References

• Aitken, R, 2017. ‘All data is credit data’: constituting the unbanked. Competition & Change, 21 (4), 274–300. doi:10.1177/1024529417712830.
   Web of Science ®Google Scholar
• Aitken, R., 2022. Mediating and mapping climate risk: micro-insurance and earth observation. Journal of Cultural Economy.
   PubMed Web of Science ®Google Scholar
• AVCA, 2019. Venture capital in Africa: mapping Africa’s start-up investment landscape. African Private Equity and Venture Capital Association.
   Google Scholar
• Bagus, U., et al., 2020. Africa’s insurance market is ready for take-off. McKinsey Report.
   Google Scholar
• Baig, N, 2020. ‘Its gait is too brisk:’ money mobility in Karachi’s foreign exchange market. Journal of Cultural Economy, 13 (4), 402–414. doi:10.1080/17530350.2019.1604400.
   Web of Science ®Google Scholar
• Bernards, N, 2019a. The poverty of fintech? psychometrics, credit infrastructures, and the limits of financialization. Review of International Political Economy, 26 (5), 815–838. doi:10.1080/09692290.2019.1597753.
   Web of Science ®Google Scholar
• Bernards, N, 2019b. Tracing mutations of neoliberal development governance: ‘fintech’, failure and the politics of marketization. Environment and Planning A: Economy and Space, 51 (7), 1442–1459. doi:10.1177/0308518X19862576.
   Web of Science ®Google Scholar
• Bernards, N., and Campbell-Verduyn, M., 2019. Understanding technological change in global finance through infrastructures: Introduction to special issue. Review of International Political Economy, 26 (3), 1–17.
   Google Scholar
• Berry, S, 1995. Stable prices, unstable values. In: J. I. Guyer, ed. Money matters. Portsmouth, NH: Heinemann, 299–313.
   Google Scholar
• Breckenridge, K., and James, D, 2021. Recentring the margins: theorizing African capitalism after 50 years. Economy and Society, 50 (1), 1–8. doi:10.1080/03085147.2021.1854540.
   Web of Science ®Google Scholar
• Campbell-Verduyn, M., and Giumelli, F., 2022. Enrolling into exclusion: African blockchain and decolonial ambitions in an evolving finance/security infrastructure. Journal of Cultural Economy. doi:10.1080/17530350.2022.2028655.
   PubMed Web of Science ®Google Scholar
• Cap Gemini and EFMA, 2021. World Insurtech Report 2021. Available at: https://www.capgemini.com/us-en/news/world-insurtech-report-2021/.
   Google Scholar
• CBInsights, 2021. State of Venture. Global 2021. Available at: https://www.cbinsights.com/research/report/venture-trends-2021/.
   Google Scholar
• CCAF, 2020. The Global COVID-19 FinTech Market Rapid Assessment Study. Cambridge Center for Alternative Finance, the World Bank Group, and World Economic Forum.
   Google Scholar
• CCAF, 2018. The future of finance is emerging: New hubs, new landscapes. Global Fintech Hub Report. Available at: https://www.jbs.cam.ac.uk/facultyresearch/centres/alternative-finance/publications/2018-global-fintech-hub-report/.
   Google Scholar
• Chalwe-Mulenga, M., Duflos, E., and Coetzee, G, 2022. The evolution of the nature and scale of DFS consumer risks. Washington DC: GCAP.
   Google Scholar
• Couldry, N., and Mejias, U, 2021. The decolonial turn in data and technology research: what is at stake and where is it heading? Information, Communication & Society, 1–17. doi:10.1080/1369118x.2021.1986102.
   Web of Science ®Google Scholar
• Couldry, N., and Mejias, U, 2019. The costs of connection: How data is colonizing human life and appropriating it for capitalism. . Redwood City, CA: Stanford University Press.
   Google Scholar
• Cuvellier, M., 2022. Homegrown talent still has it harder. Available at: https://thebigdeal.substack.com/p/homegrown-talent-still-has-it-harder?s = r.
   Google Scholar
• Donovan, K., and Park, E, 2022. Knowledge/seizure: debt and data in Kenya’s zero balance economy. Antipode, 54, 1063–1085. doi:10.1111/anti.12815.
   Web of Science ®Google Scholar
• Dörry, S., and Schulz, C, 2018. Green financing, interrupted. potential directions for sustainable finance in Luxembourg. Local Environment, 23 (7), 717–733. doi:10.1080/13549839.2018.1428792.
   Web of Science ®Google Scholar
• Ertürk, I., Indradeep, G., and Shah, K, 2022. Financial untouchability: a polysemic narrative of digital financial inclusion in modi’s India. Journal of Cultural Economy, 15, 30–51. doi:10.1080/17530350.2021.1927147.
   Web of Science ®Google Scholar
• Faustino, S, 2022. Deleuze in the wild: making philosophy matter for fintech. Journal of Cultural Economy, 15 (1), 93–102. doi:10.1080/17530350.2021.1977676.
   Web of Science ®Google Scholar
• FinAccess, 2019. Household Survey. Available at: https://www.fsdkenya.org/publications/the-2019-finaccesshousehold-survey/.
   Google Scholar
• Flynt, O., 2016. Fintech: understanding financial technology and its radical disruption of modern finance. CreateSpace Independent Publishing Platform.
   Google Scholar
• Friederici, N., Wahome, M, and Graham, M., 2020. Digital entrepreneurship in Africa. MIT University Press.
   Google Scholar
• Frost, J., 2020. The economic forces driving fintech adoption across countries. BIS Working Paper No. 838.
   Google Scholar
• FT Partners Fintech Industry Research, 2019. Leapfrogging legacy straight to mobile. Available at: https://ftpartners.docsend.com/view/kg7dbcj.
   Google Scholar
• Gabor, D., and Brooks, S, 2017. The digital revolution in financial inclusion: international development in the fintech era. New Political Economy, 22 (4), 423–436. doi:10.1080/13563467.2017.1259298.
   Web of Science ®Google Scholar
• Gandhi, D., 2019. Figure of the week: increasing financial inclusion for women in Africa. Available at: https://www.brookings.edu/blog/africa-in-focus/2019/07/24/figure-of-the-week-increasing-financial-inclusion-for-women-in-africa/.
   Google Scholar
• Gravett, W, 2020. Digital neo-colonialism: The Chinese model of internet sovereignty in Africa. African Human Rights Law Journal, 20 (1), 125–146. doi:10.17159/1996-2096/2020/v20n1a5.
   Google Scholar
• Gruin, J, 2019. Financializing authoritarian capitalism: Chinese fintech and the institutional foundations of algorithmic governance. Finance and Society, 5 (2), 84–104. doi:10.2218/finsoc.v5i2.4135.
   Google Scholar
• Gruin, J., and Knaack, P, 2020. Not just another shadow bank: Chinese authoritarian capitalism and the ‘developmental’ promise of digital financial innovation. New Political Economy, 25 (3), 370–387. doi:10.1080/13563467.2018.1562437.
   Web of Science ®Google Scholar
• GSMA, 2022. State of the industry report on mobile money 2022.
   Google Scholar
• Guermond, V, 2020. Marketisation as financialisation in the making? The construction of remittance markets in Senegal. Geoforum, 117, 234–245. doi:10.1016/j.geoforum.2020.10.009.
   Web of Science ®Google Scholar
• Guermond, V., 2022. Whose money? digital remittances, mobile money and fintech in Ghana. Journal of Cultural Economy. doi:10.1080/17530350.2021.2018347.
   PubMed Web of Science ®Google Scholar
• Guermond, V., and Sylla, N. S., 2021. When monetary coloniality meets 21st century finance: development in the franc zone. Available at: https://archive.discoversociety.org/2018/09/04/when-monetary-coloniality-meets-21st-century-finance-development-in-the-franc-zone/.
   Google Scholar
• Guyer, J, 2004. Marginal gains: monetary transactions in atlantic Africa. Chicago: The University of Chicago Press.
   Google Scholar
• Guyer, J., and Belinga, S., 1995. Wealth in people as wealth in knowledge: accumulation and composition in equatorial Africa. Journal of African History, 36, 91–120.
   Web of Science ®Google Scholar
• Guyer, J, 2016. Legacies, logics, logistics: essays in the anthropology of platform economy. Chicago: The University of Chicago Press.
   Google Scholar
• Haberly, D., et al., 2019. Asset management as a digital platform industry: a global financial network perspective. Geoforum, 106, 167–181. doi:10.1016/j.geoforum.2019.08.009.
   Web of Science ®Google Scholar
• van der Heide, A., and Želinský, D., 2021. ‘Level up your money game’: an analysis of gamification discourse in financial services. Journal of Cultural Economy, 14 (6), 711–731. doi:10.1080/17530350.2021.1882537.
   Web of Science ®Google Scholar
• Hendrikse, R., Bassens, D., and Meeteren, M, 2018. The appleization of finance: charting incumbent finance's embrace of FinTech. Finance and Society, 4 (2), 159–180. doi:10.2218/finsoc.v4i2.2870.
   Google Scholar
• Hendrikse, R., Meeteren, M., and Bassens, D, 2020. Strategic coupling between finance, technology and the state: cultivating a fintech ecosystem for incumbent finance. Environment and Planning A: Economy and Space, 52 (8), 1516–1538. doi:10.1177/0308518X19887967.
   Web of Science ®Google Scholar
• Hernandez, E., et al., 2018. Using satellite data to scale smallholder agricultural insurance. Washington, DC: CGAP Brief.
   Google Scholar
• Holtz, L., 2021. Mobile money dominates fintech investment in Africa. Available at: https://www.brookings.edu/blog/africa-in-focus/2021/09/30/mobile-money-dominates-fintech-investment-in-africa/.
   Google Scholar
• Holtz, L., and Golubski, C., 2021. Figures of the week: venture capital trends in Africa. Available at: https://www.brookings.edu/blog/africa-in-focus/2021/04/21/figures-of-the-week-venture-capital-trends-in-africa/.
   Google Scholar
• Horst, C., et al., 2014. Private money, public scrutiny? contrasting perspectives on remittances. Global Networks, 14 (4), 514–532. doi:10.1111/glob.12048.
   Web of Science ®Google Scholar
• IMF, 2021. Regional economic outlook. Sub-Saharan Africa: one planet, two worlds, three stories. October 2021, International Monetary Fund.
   Google Scholar
• Ioannou, S., and Wójcik, D, 2022. The limits to FinTech unveiled by the financial geography of Latin America. Geoforum, 128, 57–67. doi:10.1016/j.geoforum.2021.11.020.
   Web of Science ®Google Scholar
• Izaguirre, J., Kaffenberger, M., and Mazer, R., 2018. It’s time to slow digital credit’s growth in East Africa. Washington, DC: CGAP.
   Google Scholar
• Jain, S., and Gabor, D, 2020. The rise of digital financialisation: the case of India. New Political Economy, 25 (5), 813–828. doi:10.1080/13563467.2019.1708879.
   Web of Science ®Google Scholar
• Kaffenberger, M., Totolo, E., and Soursourian, M., 2018. A Digital Credit Revolution. CGAP Working Paper.
   Google Scholar
• Kear, M, 2016. Peer lending and the subsumption of the informal. Journal of Cultural Economy, 9 (3), 261–276. doi:10.1080/17530350.2015.1135472.
   Web of Science ®Google Scholar
• Kedir, A., and Kouame, E., 2022. FinTech and women’s entrepreneurship in Africa: the case of Burkina Faso and Cameroon. Journal of Cultural Economy. doi: 10.1080/17530350.2022.2041463.
   PubMed Web of Science ®Google Scholar
• Keucheyan, R, 2018. Insuring climate change: new risks and the financialization of nature. Development and Change, 49 (2), 484–501. doi:10.1111/dech.12367.
   Web of Science ®Google Scholar
• Kunz, R., Maisenbacher, J., and Paudel, L, 2021. The financialization of remittances: governing through emotions. Review of International Political Economy, 28 (6), 1607–1631. doi:10.1080/09692290.2020.1785923.
   Web of Science ®Google Scholar
• Kværnø-Jones, J, 2022. The significance of boring FinTech: technology imaginaries and value vernaculars in established banks. Journal of Cultural Economy, 15 (2), 232–246. doi:10.1080/17530350.2021.2002174.
   Web of Science ®Google Scholar
• Kwet, M, 2019. Digital colonialism: US empire and the new imperialism in the global south. Race & Class, 60 (4), 3–26. doi:10.1177/0306396818823172.
   Web of Science ®Google Scholar
• Lai, K. P. Y., and Samers, M., 2020. Towards an economic geography of FinTech. Progress in Human Geography. Available at: https://journals.sagepub.com/doi/abs/10.1177/0309132520938461.
   Google Scholar
• Langley, P., and Leyshon, A, 2017. Platform capitalism: the intermediation and capitalization of digital economic circulation. Finance and Society, 3 (1), 11–31. doi:10.2218/finsoc.v3i1.1936.
   Google Scholar
• Langley, P., and Leyshon, A, 2021. The platform political economy of FinTech: reintermediation, consolidation and capitalisation. New Political Economy, 26 (3), 376–388. doi:10.1080/13563467.2020.1766432.
   Web of Science ®Google Scholar
• Langley, P., and Leyshon, A., 2022. Neo-colonial credit: FinTech platforms in Africa. Journal of Cultural Economy. doi: 10.1080/17530350.2022.2028652.
   PubMed Web of Science ®Google Scholar
• Leyshon, A, 2020. Financial ecosystems and ecologies. In: D. Knox-Hayes, and D. Wójcik, eds. The Routledge handbook of financial geography. New York: Routledge.
   Google Scholar
• Lindley, A, 2010. The early morning phone call: Somali refugees’ remittances. New York: Berghahn Books.
   Google Scholar
• Lopes, D., Faria, I., and Faustino, S, 2022. Introduction: the tale as a special discourse vehicle. Journal of Cultural Economy, 15 (1), 1–13. doi:10.1080/17530350.2021.1977678.
   Web of Science ®Google Scholar
• Mader, P, 2018. Contesting financial inclusion. Development and Change, 49 (2), 461–483. doi:10.1111/dech.12368.
   Web of Science ®Google Scholar
• Mader, P., Duvendack, M., and Macdonald, K., 2022. Fintech and tax in Sub-Saharan Africa: taxation versus financial inclusion. Journal of Cultural Economy. doi:10.1080/17530350.2022.2087718.
   PubMed Web of Science ®Google Scholar
• Madowo, L., 2020. Silicon Valley has deep pockets for African startups – if you are not African. Available at: https://www.theguardian.com/business/2020/jul/17/african-businesses-black-entrepreneurs-us-investors.
   Google Scholar
• Martin, R., and Pollard, J. eds. 2017. Handbook on the geographies of money and finance. Cheltenham– Northampton: Edward Elgar.
   Google Scholar
• Maurer, B, 2012. The disunity of finance: alternative practices to Western finance. In: K. Knorr Cetina, and A. Preda, eds. The Oxford Handbook of the Sociology of finance. Oxford: Oxford University Press.
   Google Scholar
• Maurer, B, 2015. Data mining for development? poverty, payment, and platform. In: A. Roy, ed. Territories of poverty. Durham, NC: University of Georgia Press.
   Google Scholar
• McDonald, T., and Dan, Li, 2021. Alipay’s ‘Ant credit pay’ meets China’s factory workers: the depersonalisation and re-personalisation of online lending. Journal of Cultural Economy, 14 (1), 87–100. doi:10.1080/17530350.2020.1763424.
   Web of Science ®Google Scholar
• Mignolo, W, 2012. Local histories/global designs: coloniality, subaltern knowledges, and border thinking. Princeton: Princeton University Press.
   Google Scholar
• Mitchell, T, 2007. The properties of markets. In: Donald MacKenzie, Fabian Muniesa, and Lucia Siu, eds. Do economists make markets? On the performativity of economics. Princeton: Princeton University Press, 244–275.
   Google Scholar
• Mohamed, S., Png, M., and Isaac, W, 2020. Decolonial AI: decolonial theory as sociotechnical foresight in artificial intelligence. Philosophy & Technology, 33, 659–684. doi:10.1007/s13347-020-00405-8.
   Google Scholar
• Mureithi, C., 2022. Africa’s fragmented digital payment landscape. Available at: https://qz.com/africa/2149097/why-africas-digital-payment-landscape-is-still-highly-fragmented/.
   Google Scholar
• Natile, S, 2020. The exclusionary politics of digital financial inclusion: mobile money, gendered walls. London: Routledge.
   Google Scholar
• Ndung’u, N, 2018. The M-Pesa technological revolution for financial services in Kenya: A platform for financial inclusion. In: D. Lee Kuo Chuen, and R. Deng, eds. Handbook of blockchain, digital finance, and inclusion, volume 1. London: Academic Press, 37–56.
   Google Scholar
• Njoki, A., and Gugu, S., 2020. Bridging the gap between local and expat founder funding. Available at: https://www.viktoria.co.ke/bridging-the-gap-between-local-and-expat-founder-funding/.
   Google Scholar
• O’Dwyer, R, 2019. Cache society: transactional records, electronic money, and cultural resistance. Journal of Cultural Economy, 12 (2), 133–153. doi:10.1080/17530350.2018.1545243.
   Web of Science ®Google Scholar
• Partech Partners, 2021. Africa Tech Venture Capital Report. Available at: partechpartners.com.
   Google Scholar
• Pigeaud, F., and Samba Sylla, N, 2021. Africa’s last colonial currency: the CFA franc story. Pluto Press.
   Google Scholar
• Pollio, A., and Cirolia, L., 2022. Fintech urbanism in the startup capital of Africa. Journal of Cultural Economy. doi:10.1080/17530350.2022.2058058.
   PubMed Web of Science ®Google Scholar
• Rella, L, 2020. Steps towards an ecology of money infrastructures: materiality and cultures of ripple. Journal of Cultural Economy, 13 (2), 236–249. doi:10.1080/17530350.2020.1711532.
   Web of Science ®Google Scholar
• Rinehart, K., et al., 2018. The potential of digital platforms as distributors and enablers of insurance in Africa. Finmark Trust. Available at: https://finmark.org.za/knowledge-hub/blog/the-potential-of-digital-platforms-as-distributors-and-enablers-of-insurance-in-africa?entity = blog.
   Google Scholar
• Rodima-Taylor, D., 2022. Platformizing Ubuntu? FinTech, inclusion, and mutual help in Africa. Journal of Cultural Economy. doi: 10.1080/17530350.2022.2040569.
   PubMed Web of Science ®Google Scholar
• Rodima-Taylor, D., and Grimes, W, 2019. International remittance rails as infrastructures: embeddedness, innovation and financial access in developing economies. Review of International Political Economy, 26 (5), 839–862. doi:10.1080/09692290.2019.1607766.
   Web of Science ®Google Scholar
• Rubini, A, 2017. Fintech in a flash: financial technology made easy. Banking Innovations.
   Google Scholar
• Selassie, A, 2021. The African century. Finance & Development, Dec. 2021, International Monetary Fund.
   Google Scholar
• Sohns, F., and Wójcik, D, 2020. The impact of brexit on London’s entrepreneurial ecosystem: the case of the FinTech industry. Environment and Planning A: Economy and Space, 52 (8), 1539–1559. doi:10.1177/0308518X20925820.
   Web of Science ®Google Scholar
• Thatcher, J., O’Sullivan, D., and Mahmoudi, D, 2016. Data colonialism through accumulation by dispossession: New metaphors for daily data. Environment and Planning D: Society and Space, 34 (6), 990–1006. doi:10.1177/0263775816633195.
   Web of Science ®Google Scholar
• Tooker, L., and Maurer, B, 2016. The pragmatics of payment: adventures in first-person economy with bill maurer. Journal of Cultural Economy, 9 (3), 337–345. doi:10.1080/17530350.2015.1077157.
   Web of Science ®Google Scholar
• Tusikov, N, 2019. How US-made rules shape internet governance in China. Internet Policy Review, 8 (2), doi:10.14763/2019.2.1408.
   Web of Science ®Google Scholar
• Wójcik, D, 2021. Financial geography I: exploring fintech – maps and concepts. Progress in Human Geography, 45 (3), 566–576. doi:10.1177/0309132520952865.
   Web of Science ®Google Scholar
• World Bank, 2018. The Global Findex Database 2017. https://globalfindex.worldbank.org/.
   Google Scholar