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Mr. Amadou N Sy, Mr. Rodolfo Maino, Mr. Alexander Massara, Hector Perez-Saiz, and Preya Sharma
FinTech is a major force shaping the structure of the financial industry in sub-Saharan Africa. New technologies are being developed and implemented in sub-Saharan Africa with the potential to change the competitive landscape in the financial industry. While it raises concerns on the emergence of vulnerabilities, FinTech challenges traditional structures and creates efficiency gains by opening up the financial services value chain. Today, FinTech is emerging as a technological enabler in the region, improving financial inclusion and serving as a catalyst for the emergence of innovations in other sectors, such as agriculture and infrastructure.
Hector Perez-Saiz and Preya Sharma

design, test, and re-design new products, services, and regulation. Underpinning this process is the coalescence of new technologies. The largest impact will occur in the financial sector with important implications for broader growth. This chapter seeks to provide a guide to considering the channels through which the future financial development of FinTech in sub-Saharan Africa could occur and the policy implications in terms of the trade-offs FinTech could create. FinTech represents a disruptive competitive force that will have a major role in shaping the structure