...fintech. A lot of innovations have happened in Africa that has allowed this to happen, and a lot of it comes from the foundation around digital infrastructure, which is digital identity. Some of these markets use the telco rails for identity. They us

All of that grew the financial technology space very quickly in Africa. On the flip side, in The US, the legacy traditional banking infrastructure is so ingrained that it has prevented The US from being able to really leverage mobile financial servic