By establishing a digital identification system, the Rwandan government plans to address the challenges faced by citizens who have no identity documents when accessing essential services.
The Rwandan parliament recently approved the revision of a bill governing registration in the national single digital identity system.
The draft law presented on Thursday, April 20, by ICT Minister Paula Ingabire, aims to give the government the required approvals to issue digital identity cards to stateless Rwandans and newborns.
“The enactment of the new law relating to enrollment into a single digital identity system will enable the country to close the existing gap in the current population identification system to a more advanced, effective, and efficient delivery of services in both private and public sectors,” said Paula Ingabire.
The project aims to establish a new digital identity card for Rwandans living within or outside the country. It will consist of a physical copy embedded with a QR code containing the holder’s biometric information, as well as a digital copy.
According to Minister Ingabire, the digital identification project will be implemented, over three years, by the National Identification Agency (NIDA) with funding from the World Bank ($40 million).
If passed, the new law will end the problems faced by stateless and other undocumented persons in the country. It will also solve the problem of scattered, contradictory data in the various databases of different institutions, recorded on paper.
For the ICT Minister, this project will be a catalyst for the development of a strong digital economy and a strong digital service delivery ecosystem that will improve productivity, income, and social welfare.
Samira Njoya
After the suspension of the on-demand transport company Yango in Cameroon last February, local engineers and the Cameroonian diaspora launched an alternative to fill the void left behind.
On Monday, April 17, 2023, a new digital car and cab booking service launched its activities in Cameroon. Deployed by the start-up Intelart Technology founded by Lamine Nyamoutet, Ongo is currently available in the cities of Yaoundé and Douala. It facilitates urban and interurban travel in Cameroon.
“We will initially offer our services in the political and economic capitals but we plan to extend the services to all the 10 regions in Cameroon,” said Didier Ndengue, Intelart Technology’s public relations officer.
The solution has a mobile app -Android and iOS apps- through which users can register and access its services. With the account, a user can choose his/her destination. The app will then suggest the driver closer to the departure point and, if the user agrees with the estimated fare, he/she can confirm the trip.
The transport fare depends on the type of vehicle chosen. Apart from on-demand transport services, Ongo also offers vehicle rental services for events such as weddings and family celebrations. Several types of vehicles are available for rent, depending on users’ financial capabilities.
Since its launch, the Android version of the mobile application has already been downloaded over a thousand times. Despite competition from Gozem, Ongo is on track to possibly fill the void left by Yango, which was suspended by Cameroonian authorities last February.
Adoni Conrad Quenum
He is one of the entrepreneurs revolutionizing the African fintech industry. He founded the fintech company Paga Group, which provides innovative mobile payment solutions to Nigerians.
Nigerian-born Tayo Oviosu (photo) is a Standford University Graduate and one of the first fintech entrepreneurs in the African tech ecosystem. In 2009, he founded Paga Group, a fintech company that aims to offer a mobile payment solution accessible to every Nigerian regardless of income group. His company enables users to carry out online transactions, pay bills, and access several financial services from their phones.
“One of my main focuses when starting the company was, how do I get the market woman in Ajegunle [ ed. note: one of the most vulnerable neighborhoods in Lagos] to use this. [...] Our ambition is that one billion people should use this platform to access and use money. We want to particularly focus on the emerging middle class – helping them to pay, and helping them to get paid,” he explained in 2021.
With over 19 million registered users and more than 27,000 agents across Nigeria, Paga has quickly become one of the market leaders in financial technology in Africa. Tayo Oviosu has worked with partners such as Untapped Global and Visa to expand his company's capabilities and provide innovative payment solutions to users.
The tech entrepreneur also co-founded Kairos Angels, a company that invests in business founders who are obsessed with changing the world. His professional career began in 1999 at Deloitte Consulting where he was a senior consultant.
In 2004, he worked for Lucent Technologies for three months as a business development summer associate. The following year, he joined Cisco Systems as manager of acquisitions and venture capital investments. In 2008, he was appointed Vice President at Travant Capital Partners, a venture capital and private equity firm. He worked there for five months.
He has been recognized for his work in entrepreneurship and financial inclusion. In 2013, he was nominated for the West African Entrepreneur of the Year at the All African Business Leaders Awards. In 2015, the African Leadership Network selected Paga Group as the Outstanding Growing Company of the Year in Africa.
Melchior Koba
This acquisition comes months after Autochek bought the car sales platform CoinAfrique, in Q3-2022.
Nigerian car financing provider Autochek announced, Monday, the acquisition of majority shareholding in Egyptian car dealer AutoTager.
According to the company's statement, the acquisition aims to strengthen Autochek's presence in North Africa and support the company's continued growth.
Commenting on the transaction, Olajide Adamolekun, group CFO and co-founder of Autochek said: “Amr’s -ed. note: Amr Rezk founder of AutoTager- background and track record are as impressive as it gets and I am delighted to have him on board. His experience will be invaluable as we enter the Egyptian market and continue on our mission to improve the automotive finance value proposition on the continent and catalyze more growth across the automotive ecosystem.”
Autochek launched the acquisition of automotive platforms a while ago. In July 2022, the car financing company acquired CoinAfrique. In September 2021, it acquired Cheki Kenya and Cheki Uganda.
With this majority shareholding acquisition, the company now has a presence in nine countries in East Africa, West Africa, and North Africa, with more than 2,000 partner-run dealerships and workshops, according to its release.
By targeting AutoTanger, Autochek is aiming at North African markets, mainly Egypt - which is the third largest economy in Africa according to the African Development Bank (AfDB), and the third largest automotive market on the continent (according to 2021 data from the International Organization of Motor Vehicle Manufacturers-OICA).
Samira Njoya
They are among the 18 finalists nominated out of hundreds of applications received by JFD, a network of women entrepreneurs. They were nominated in the Entrepreneur, Intrapreneur, and Junior categories in Africa.
On Monday, April 17, the women entrepreneurs’ network Journée de la Femme Digitale (JFD) unveiled the list of the winners of the 2023 edition of its “Les Margaret Awards.”
Of the 18 finalists in the three categories of the competition, three were African entrepreneurs. In the “Margaret Entrepreneur Europe & Africa” category, Cameroonian entrepreneur Nelly Chatué-Diop (co-founder & CEO of EJARA) was one of the two winners.
Ghanaian-born Rhoda Oduro, the Business Development & Operations Manager of Developers in Vogue, was one of the two winners in the “ Margaret Intrapreneur Europe & Africa” category.
In the Junior category, Melissa Djouka, another 17-year-old Cameroonian, won the award for the African region, thanks to her project Immo'Sure, a platform aimed at securing the real estate market and protecting its actors in Africa.
For one year, the winners will receive unique and exclusive opportunities to support and accelerate the development of their projects. They will be mentored by companies like La Poste, Google, Axa France, and Universal Music France. They will also receive support from some of the world's largest accelerators, such as the Transatlantic Fund of the French Chamber of Commerce and Industry in Canada.
For the African winners, CIO Mag, Affectio Mutandi, and Gabon 24 will offer targeted training worth €20,000. Africa Mutandi will also allow them access to its investors' network.
"For more than 10 years, we have been working with our partners to accelerate the growth of the Margarets and to reveal the economic and social potential of these future leaders to as many people as possible. This year, we are taking a new step by opening up completely new financing and outreach opportunities for them, " said Delphine Remy-Boutang, founder of JFD & Business Angel.
As a reminder, the Margaret Award was launched in 2013 by JFD. Each year, it rewards African and European women entrepreneurs and intrapreneurs whose projects and innovations address major societal challenges. The award honors Margaret Hamilton, former director of the software engineering department at the MIT Instrumentation Laboratory that developed the embedded software for NASA's Apollo space program.
Samira Njoya
The ecommerce industry has recorded an impressive boom in Africa, in recent years. Digital tools have become undisputable tools in the industry, leading even informal companies to enter the bandwagon. Tech entrepreneurs are offering suitable solutions to help them.
Cartona is a B2B platform developed by an Egyptian startup. It allows retail merchants to source from FMCG companies and wholesalers at competitive rates right from a mobile platform. Since its launch in 2020, it has raised over $16 million to support its growth.
“The trade market is completely inefficient and it’s not good for the supplier or the manufacturers, and it’s definitely not good for retailers.[...] So we came up with the idea of Cartona, which is basically a fully light-asset model that connects manufacturers and wholesalers to retailers,” said its CEO, Mahmoud Talaat, in 2021.
To access the list of suppliers and opportunities on the platform, users need to download its mobile app -available for Android and iOS devices- to create their accounts.
Cartona charges commissions on orders. It also collects fees from wholesalers to list their ads and provide information on retailer behavior, competition, and market information that would help wholesalers adjust their sales policies.
It also offers access to credit for its more than 60,000 retailers and over 1,500 wholesalers. It has signed partnerships with more than 250 companies to establish a one-stop shop that thousands of retailers can use daily to buy small or large quantities of products. However, expansion is not yet on its agenda.
Adoni Conrad Quenum
He runs an edtech company that focuses on teaching children coding. He is also behind several technology solutions that are revolutionizing the education sector in Africa.
Matthew Henshall (photo) is a South African serial entrepreneur who graduated from the University of Cape Town with a bachelor's in electromechanical engineering. He is the founder and CEO of educational technology startup Code4Kids, founded in 2018.
His startup enables teachers to teach children aged between 8 and 15 coding, robotics, and computer science using real-world tools and content. It also provides continuous training to keep teachers always abreast with new technologies. The startup was recently selected to participate in the Mastercard Foundation EdTech Fellowship program. The program, initiated in partnership with edtech accelerators and innovation centers, aims to support fast-growing and impactful edtech companies.
Matthew Henshall is also the founder and CEO of Lessonspace, a Twilio-like collaborative space launched in 2018. It allows teachers to deliver live, online lessons individually or in groups.
He also founded romm.sh, the video-conferencing software that powers Lessonspace, and Code4Kids. In 2016, he launched SkillUp Tutors, an online platform that connects students and tutors.
The serial entrepreneur started his professional career, in 2014, as a systems engineer for the nutritional company Vital Health Foods. Between 2015 and 2016, he worked for energy supplier BattCo Energy Storage Systems as an electromechanical engineer.
Melchior Koba
The labor market is undergoing a profound transformation as digital technologies keep growing. While many jobs are disappearing, more are being created and their requirements are changing. In that context, the government needs to urgently take appropriate measures to anticipate and find solutions to help fill the vacancies that are opening.
South Africa will soon launch a nationwide training program to equip the unemployed youth with digital skills, President Cyril Ramaphosa (photo) recently announced. In his weekly newsletter published on Sunday, April 17, he explained that ZAR800 million ($43.6 million) will be invested to fund this new youth initiative led by the National Skills Fund.
According to the World Economic Forum (WEF), “South Africa is projected to see the highest jobless rate globally. As the most industrialized nation on the continent, unemployment is estimated to hit 35.6% in 2023.”
This is due to a number of causes. They include low economic growth that has led to fewer job opportunities, a mismatch between education and skills that makes it difficult for many people to find work, and structural problems like unequal access to opportunities. There are also concentrated ownership, a limited domestic market, and a rigid labor market with labor laws, regulations, and collective bargaining agreements that limit access to employment, particularly in the SME segment.
As the digital economy creates new high-potential occupations, the government sees the retraining or reorientation of some South Africans as a way to respond to the new labor market realities brought about by the accelerating digital transformation. The project to equip the unemployed with digital skills is one of the many development initiatives taken by the government, since 2020, to prepare the country for the fourth industrial revolution.
Over the past three years, many international and local companies specializing in digital services or broadband connectivity have increased their investments in South Africa. New companies have expressed interest in the market. The various investments are expected to create thousands of specialized jobs, which the South African government wants to prepare the local workforce for.
Muriel Edjo
He is a remarkable entrepreneur who has contributed significantly to the development of technology in Africa. His vision and leadership have enabled his fintech startup, InTouch SA, to become one of the leaders in the African mobile payment industry.
Omar Cissé (photo), the founder and CEO of fintech startup InTouch SA, is a Senegalese entrepreneur renowned in the African fintech ecosystem. A graduate of the Polytechnic Institute of Dakar where he earned a degree in computer science and design engineering, he also holds a master’s in business administration from the Higher Institute of Management (still in Senegal).
In 2014, he founded InTouch SA, a financial technology company that provides a mobile payment platform for financial transactions in Africa. The company provides innovative technology that allows it to manage all of its customers' transactional needs in a secure, efficient, and simple manner.
His financial technology company enables its customers to collect and settle payments in real-time across the continent through an application that offers features such as payment acceptance, customer retention, airtime top-up, billing and dunning, expense management, deferred payment, money transfer, and intercontinental settlement.
InTouch SA has become one of the leaders in the mobile payment industry in Africa with partners such as Total, Orange Money Senegal, and IFAD (International Fund for Agriculture Development). To date, it has a network of 2,000 corporate customers and 50,000 TouchPoints (distribution points) in 14 countries. Far from sitting on its laurels, it is taking action to reinforce that network. The company has also built and regularly updates a catalog of over 400 digital services. It plans to establish its subsidiaries in 25 African countries and have a network of partners in every country on the continent by 2025.
Its founder and CEO, Omar Cissé, is also the administrator and co-promoter of Teranga Capital, a Dakar-based investment firm that invests in SMEs. In 2001, he co-founded 2SI, an IT engineering services provider. He managed the company from 2005 to 2010 before launching CTIC Dakar, Dakar’s first incubator.
Melchior Koba
The fintech startup, founded in 2016, accessed venture financing in 2020. Since then, it has become somehow unstoppable despite the coronavirus pandemic and the small size of its domestic market.
Lupiya is a fintech solution developed by a Zambian startup. It allows easy access to microloans for individuals and businesses. The startup behind it was founded, in 2016, by Evelyn Chilomo Kaingu and Muchu Kaingu. Based in Lusaka, its goal is to expand access to credit and reduce the cost of borrowing for all Zambians.
“We aim to level the playing field for all Zambians by offering low-cost lending products and attainable options for security. We distance ourselves from traditional lenders by being accessible to marginalized and unbanked communities and offering lending practices that are transparent and fair,” the startup says on its web platform.
Currently, it has no mobile app so everything happens on its web platform. On the platform, a user can fill out a form stating the desired loan amount or loan type and the estimated repayment duration to check eligibility. Once the startup replies, the user can then proceed with account creation, upload the required documents and apply for the loan.
Once the loan is processed, users are always notified. The startup charges up to 59 percent interest on its loans.
According to its CEO, Evelyn Kaingu, it started with just $500. That amount was lent to “a small community”, from there on, things moved with the startup acquiring its first hundred clients, and then more.
Since its launch, It has raised over $2.5 million to accelerate its growth in Zambia. It has helped smallholder farmers boost yields, improve soil health and reduce greenhouse gas emissions. These efforts caught the attention of Kamala Harris, Vice President of the United States of America, during her visit to Zambia in late March 2023.
Adoni Conrad Quenum
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In recent months, South Africa’s digital sector has attracted several important investment pledges. Earlier, Amazon committed to investing in tech services in the country. It is now followed by pan-African digital solutions Cassava Technologies.
Last Friday, Pan-African tech company Cassava Technologies announced its commitment to investing ZAR4.5 billion ($250 million) in its South African operations over the next two years. The initiative was unveiled at the fifth South Africa Investment Conference (SAIC) held the previous day in Johannesburg.
The investment will be made through Cassava Technologies' business units, namely Liquid Intelligent Technologies, Africa Data Centres, and Distributed Power Africa. It is aimed at supporting the expansion of Liquid Intelligent Technologies' fiber network, the expansion of Africa Data Centre’s capacity and footprint, the enhancement of cloud and cybersecurity capacity, and the deployment of clean, renewable energy by Distributed Power Africa in South Africa.
“South Africa accounts for the largest proportion of Africa’s industrial GDP with a sophisticated and growing ICT sector. The country’s unique combination of highly developed first-world economic infrastructure and a stable macro-economic environment affords businesses like ours a conducive investment environment in which we can partner with government to drive economic development and create jobs,” said Hardy Pemhiwa, President & Group CEO of Cassava Technologies.
The initiative is in line with the ambitions of South African President, Cyril Ramaphosa, to stimulate the country's economy and attract ZAR2 trillion in investments over the next five years to achieve development objectives.
Cassava Technologies has eight subsidiaries, namely Liquid Intelligent Technologies, Liquid Dataport, Liquid C2, Africa Data Centres, Distributed Power Africa, Sasai Fintech, Telrad, and Vaya Technologies.
Samira Njoya
By reinforcing its cooperation with Estonia, which is the e-governance leader in Europe, Angola wants to become a digital government offering user-friendly and secure ICT solutions that make life easier for its citizens.
Last Friday, Angolan State Minister Adão de Almeida and Estonian IT Minister Kristjan Järvan signed a Memorandum of Understanding to strengthen cooperation between the two countries. The MoU, signed in Tallinn, Estonia, covers cooperation in the areas of digital governance, modernization of the administration, and capacity building.
“Estonia is one of the most advanced and innovative digital societies in the world, but reaching it is the fruit of decades of work. We are happy to share the accumulated knowledge, skills, and experience because digital capabilities are key to the social and economic development of any country,” said Kristjan Järvan.
Indeed, for several years, Estonia has been a model in the use of digital technology to simplify the lives of citizens, improve political efficiency and boost the economy. The country has succeeded in going digital. In 2020, the country was ranked 3rd in the E-Government Development Index unveiled by the United Nations. Last year, it was the 8th country with one of the best e-government development indexes in the world.
This status of e-government champion has earned the country invitations from many African countries -including Benin, the Democratic Republic of Congo, and Mauritius- for digital cooperation.
The Memorandum of Understanding it signed with Angola thus allows the latter to capitalize on its digitization experience. The agreement will also enable Estonian companies to enter the Angolan market and more African countries.
Samira Njoya
With its flexible rent payment solution, the proptech has revolutionized the sector in main Nigerian cities.
Rent Small Small is a proptech solution developed by a Nigerian startup founded in 2017. It gives landlords the possibility to delegate the management of their properties to real estate professionals. It also brings trust to the real estate industry by allowing renters to rent from reliable agencies only. Since its creation, it has raised over $3 million to accelerate its growth in Nigeria.
To access its services, a user needs to create an account on its web or mobile -Android and iOS- platforms. They can then browse the listed properties, including single-family houses, apartments, or even studios of different standings. After browsing the various listings, the user can schedule visits to choose one property over another. Visit scheduling is possible only for certified accounts, i.e accounts with a premium subscription.
Rent Small Small also saves legal, brokerage, and agency fees for users. It also offers flexible rent payment ways for users.
The proptech led by Tunde Balogun claims to have provided more than 25,000 monthly stays in 18 different locations and saved tenants more than NGN1.4 billion ($3 million) in legal fees. In 2021, the startup was selected to participate in the Techstars Toronto Accelerator program.
“We have stayed away from institutional investment for the past 3 years because we wanted to figure out a model that truly solves the rental problems and one that we can scale. Now that we have good traction and our solution is loved by both Landlords and Tenants, we need strong mentorship for our next growth phase. We believe that participating in the Techstars Toronto Accelerator at this time is right for us. Its network, skills, and resources are what we will be able to leverage as we expand,” Tunde Balogun said at the time.
Adoni Conrad Quenum
iHub provides a collaborative workspace, training programs, events, and networking opportunities to entrepreneurs. With its vibrant community and start-up support programs, it plays a key role in the development of technology innovation in Africa.
iHub is a technology innovation center based in Nairobi, Kenya. Founded in 2010 by Ushahidi founders Erik Hersman, Juliana Rotich, and David Kobia, it is a co-working space, startup community, and innovation platform that brings together entrepreneurs, software developers, innovators, and investors interested in developing tech solutions to address key issues in Africa.
With a global network spanning over 40 countries, it is one of the largest technology innovation communities in Africa. The center offers a collaborative work environment, training programs, events, and networking opportunities to its community members. Through its programs, start-ups can benefit from financial support, mentoring, and access to industry experts.
In February 2023, the Innovation Center partnered with the Mastercard Foundation to support education startups. The partnership led to the establishment of a three-year acceleration program targeting 36 edtech startups, of which 12 have already been selected for the first cohort.
The programs and events it organized include the Women in Business program that promotes women's entrepreneurship in the information and communication technology (ICT) sector in Kenya by helping targetted individuals create sustainable businesses. The program also provides training, coaching, funding, and networking opportunities to help beneficiaries overcome entrepreneurial barriers and strengthen their role in Africa's technology innovation.
In addition to Women in Business, iHub also implemented the Maarifa Kona Innovation Labs program from 2017 to 2019. This program supported agritech entrepreneurs from six African countries (Kenya, Uganda, Madagascar, Tanzania, Ethiopia, and Rwanda) in developing their innovative ideas and boosting their entrepreneurial capacities in agriculture.
iHub has a remarkable impact on the African innovation ecosystem and has inspired more than 450 start-ups over the years. It has several international partners such as Facebook, Google, Oracle, Safaricom, the World Bank, and Seacom.
Melchior Koba