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Message: [QUOTE="Munyaradzi Mafaro, post: 76593, member: 636"] PalmPay boss Chika Nwosu got on stage at the CeBIH conference and basically said the fintech game needs to stop half-assing it when it comes to reaching people who still can't access banking. The company runs around 500,000 agents who handle cash transactions for folks without bank accounts, and they built a USSD code that works on basic phones for people stuck in areas with terrible internet. Nwosu explained how they study user behavior to roll out services like cheap health insurance and auto-save features that actually help people build financial habits instead of just offering yet another app nobody understands. The whole pitch revolved around getting grassroots agents into communities where trust matters more than slick marketing. PalmPay operates in Nigeria, Ghana, Tanzania, and Bangladesh, with over 35 million users on the app since launching back in 2019. [/QUOTE]