{"id":207,"date":"2026-01-07T10:15:37","date_gmt":"2026-01-07T09:15:37","guid":{"rendered":"https:\/\/blog.nexfing.ai\/?p=207"},"modified":"2026-03-17T13:07:52","modified_gmt":"2026-03-17T12:07:52","slug":"smart-payments-in-africa-how-ai-reinvents-transaction-security-and-fluidity","status":"publish","type":"post","link":"https:\/\/blog.nexfing.ai\/?p=207","title":{"rendered":"Smart Payments in\u00a0Africa:\u00a0How AI\u00a0Reinvents\u00a0Transaction Security and\u00a0Fluidity\u00a0"},"content":{"rendered":"\n<p>Africa is entering a new era of instant payment systems (IPS), now operational in 36 African countries, processed 64 billion transactions worth nearly $ 1,980 billion in 2024, with an average annual growth of +35% in volume and +26% in value between 2020 and 2024, according to <strong>Agence EcoFin<\/strong>.<\/p>\n\n\n\n<p>This leap, fueled by financial inclusion, banking digitization, and mobile adoption, poses a dual major challenge for financial institutions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Client fluidity:<\/strong> users demand fast, simple, frictionless payments.<\/li>\n\n\n\n<li><strong>Enhanced security:<\/strong> the multiplication of instant flows increases exposure to cyber threats and real-time fraud.<\/li>\n<\/ul>\n\n\n\n<p>According to <strong>Deloitte<\/strong>, in its \u201cRevolution of AI in Secure and Optimized Transaction Payments\u201d report, AI is now the most powerful technological response to these paradoxical expectations: it promises to examine millions of signals in milliseconds, anticipate risks, and adapt to variable contexts without deteriorating the user experience.<\/p>\n\n\n\n<p>In this promising yet risky landscape, financial institutions face a major question: <strong>how to guarantee a smooth customer experience while ensuring enterprise level security in the face of increasingly sophisticated and rapid attacks?<\/strong><br><\/p>\n\n\n\n<p>The\u00a0answer:\u00a0<strong>smart\u00a0payments\u00a0powered\u00a0by\u00a0Artificial\u00a0Intelligence.<\/strong>\u00a0<\/p>\n\n\n\n<p>To structure the&nbsp;thinking&nbsp;and dive&nbsp;deeper&nbsp;into&nbsp;each&nbsp;aspect, the article&nbsp;will&nbsp;successively&nbsp;cover:&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>The&nbsp;context&nbsp;of&nbsp;<strong>digital and instant&nbsp;payments<\/strong>&nbsp;in&nbsp;Africa&nbsp;and&nbsp;globally&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>Major&nbsp;technical&nbsp;challenges&nbsp;posed&nbsp;by&nbsp;security&nbsp;and&nbsp;fluidity&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>The&nbsp;three&nbsp;pillars&nbsp;of&nbsp;<strong>AI driven&nbsp;smart&nbsp;payments<\/strong>&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li>The balance&nbsp;between&nbsp;customer&nbsp;experience&nbsp;and&nbsp;enhanced&nbsp;security&nbsp;<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>1.<\/strong>&nbsp;<strong>Global&nbsp;Context&nbsp;of Digital and Instant Payments<\/strong>&nbsp;<\/h4>\n\n\n\n<p><strong>Rise of Instant Payments<\/strong> <\/p>\n\n\n\n<p>In Africa, according to <strong>Agence EcoFin<\/strong>: 36 operational systems processed more than 64 billion transactions in 2024, representing nearly $2,000 billion in value. This critical mass exposes banks and fintechs to strong security pressure, as the near real-time transfer tests detection systems in under a second.<\/p>\n\n\n\n<p><strong>Nexfing&nbsp;Recommendation:<\/strong>&nbsp;<br>Invest in AI platforms capable of&nbsp;processing&nbsp;massive data&nbsp;streams&nbsp;continuously,&nbsp;adopting&nbsp;event driven&nbsp;architectures to&nbsp;reduce&nbsp;latency&nbsp;and support&nbsp;realtime&nbsp;analysis.<strong>&nbsp;<\/strong>&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>2. Global Adoption of AI in Payments\u202f:&nbsp;<\/strong>&nbsp;<\/h4>\n\n\n\n<p>According to the <strong>McKinsey Global Payments Report 2025<\/strong>, AI accelerates efficiency and fraud detection while adapting transaction scoring in real time. AI is redefining the very concept of smart payments, integrating behavioral and contextual signals into every decision.<\/p>\n\n\n\n<p>This trend aligns with broader research showing exponential growth in AI use in financial services to enhance cybersecurity, automate workflows, and improve decision making.\u00a0<br>\u00a0<br><strong>Nexfing\u00a0Recommendation:<\/strong>\u00a0<br>Go\u00a0beyond\u00a0static\u00a0rules\u00a0toward\u00a0adaptive\u00a0scoring\u00a0models,\u00a0trained\u00a0on\u00a0transactional\u00a0and\u00a0behavioral\u00a0variables.\u00a0<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>3.<\/strong>&nbsp;<strong>Impact of AI on&nbsp;Cybersecurity&nbsp;and&nbsp;Fraud&nbsp;Models&nbsp;<\/strong>&nbsp;<\/h4>\n\n\n\n<p>Malicious actors are also using AI to automate, personalize, and amplify attacks. The <strong>Microsoft Security Blog<\/strong> highlights the emergence of fraud strategies based on advanced AI techniques, modernizing identity theft and deception vectors.<\/p>\n\n\n\n<p>At the same time, <strong>IBM\u2019s analysis<\/strong> of AI in banking finds that 61% of bank executives see fraud risk detection as the biggest business value driver for AI, with cybersecurity not far behind. This dual dynamic\u2014AI-fueled fraud on one side, AI defense on the other\u2014creates intense technological competition.<\/p>\n\n\n\n<p><strong>Nexfing&nbsp;Recommendation:<\/strong>&nbsp;<br>Integrate&nbsp;<strong>adaptive&nbsp;fraud&nbsp;detection&nbsp;mechanisms&nbsp;powered&nbsp;by AI<\/strong>,&nbsp;which&nbsp;continuously&nbsp;learn&nbsp;from&nbsp;emerging&nbsp;patterns and&nbsp;identify&nbsp;weak&nbsp;signals&nbsp;before&nbsp;they&nbsp;become&nbsp;major incidents.&nbsp;<br><br><strong>4.&nbsp;The&nbsp;3&nbsp;Pillars&nbsp;of&nbsp;AI Driven&nbsp;Smart Payments<\/strong>&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"363\" src=\"https:\/\/blog.nexfing.ai\/wp-content\/uploads\/2026\/01\/Smart-Payments-in-Africa-How-AI-Reinvents-Transaction-Security-and-Fluidity-2-1024x363.png\" alt=\"\" class=\"wp-image-209\" srcset=\"https:\/\/blog.nexfing.ai\/wp-content\/uploads\/2026\/01\/Smart-Payments-in-Africa-How-AI-Reinvents-Transaction-Security-and-Fluidity-2-1024x363.png 1024w, https:\/\/blog.nexfing.ai\/wp-content\/uploads\/2026\/01\/Smart-Payments-in-Africa-How-AI-Reinvents-Transaction-Security-and-Fluidity-2-300x106.png 300w, https:\/\/blog.nexfing.ai\/wp-content\/uploads\/2026\/01\/Smart-Payments-in-Africa-How-AI-Reinvents-Transaction-Security-and-Fluidity-2-768x273.png 768w, https:\/\/blog.nexfing.ai\/wp-content\/uploads\/2026\/01\/Smart-Payments-in-Africa-How-AI-Reinvents-Transaction-Security-and-Fluidity-2-1536x545.png 1536w, https:\/\/blog.nexfing.ai\/wp-content\/uploads\/2026\/01\/Smart-Payments-in-Africa-How-AI-Reinvents-Transaction-Security-and-Fluidity-2-2048x727.png 2048w, https:\/\/blog.nexfing.ai\/wp-content\/uploads\/2026\/01\/Smart-Payments-in-Africa-How-AI-Reinvents-Transaction-Security-and-Fluidity-2-1920x681.png 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>To&nbsp;optimize&nbsp;<strong>security&nbsp;and acceptance rates<\/strong>,&nbsp;<strong>AI<\/strong>&nbsp;activates&nbsp;three&nbsp;critical&nbsp;levers in real&nbsp;time:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>AI for&nbsp;Fraud&nbsp;Prevention\u202f:<\/strong>&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Traditionally,&nbsp;antifraud&nbsp;measures&nbsp;relied&nbsp;on&nbsp;fixed&nbsp;rules&nbsp;(e.g., block&nbsp;any&nbsp;transaction&nbsp;above&nbsp;a&nbsp;threshold).&nbsp;Today, AI&nbsp;analyzes&nbsp;thousands&nbsp;of&nbsp;signals&nbsp;in&nbsp;milliseconds,&nbsp;such&nbsp;as:&nbsp;<br>\u2022&nbsp;Geolocation&nbsp;of the&nbsp;cardholder&nbsp;<br>\u2022 Transaction&nbsp;history&nbsp;<br>\u2022&nbsp;Device&nbsp;behavior&nbsp;<br>\u2022&nbsp;Purchase&nbsp;typology&nbsp;<\/p>\n\n\n\n<p>This&nbsp;rich&nbsp;context&nbsp;makes&nbsp;it&nbsp;possible to&nbsp;distinguish&nbsp;legitimate&nbsp;behavior&nbsp;from&nbsp;fraudulent&nbsp;patterns,&nbsp;even&nbsp;when&nbsp;IP or data&nbsp;is&nbsp;falsified.&nbsp;&nbsp;<br>&nbsp;<\/p>\n\n\n\n<p><strong>GSMA\u202f:<\/strong>&nbsp;On the&nbsp;African&nbsp;continent,&nbsp;where&nbsp;mobile&nbsp;fraud&nbsp;costs&nbsp;more&nbsp;than&nbsp;$<strong>1 billion&nbsp;annually&nbsp;<\/strong>and slows the adoption of digital services.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Intelligent Transaction&nbsp;Scoring:<\/strong>&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Every&nbsp;payment&nbsp;receives&nbsp;a&nbsp;dynamic&nbsp;risk&nbsp;score&nbsp;based&nbsp;on&nbsp;dozens&nbsp;of&nbsp;signals&nbsp;(IP,&nbsp;device,&nbsp;geolocation,&nbsp;frequency,&nbsp;history, etc.).&nbsp;<br>\u2022&nbsp;<strong>Low&nbsp;risk<\/strong>:&nbsp;automatic&nbsp;authorization&nbsp;<br>\u2022&nbsp;<strong>Medium&nbsp;risk<\/strong>:&nbsp;adaptive challenge&nbsp;<br>\u2022&nbsp;<strong>High&nbsp;risk<\/strong>:&nbsp;block or&nbsp;deeper&nbsp;review&nbsp;<\/p>\n\n\n\n<p>This adaptive model&nbsp;reduces&nbsp;risk&nbsp;while&nbsp;optimizing&nbsp;acceptance rates and&nbsp;maintaining&nbsp;high&nbsp;security.&nbsp;<\/p>\n\n\n\n<p><strong>Nexfing&nbsp;Recommendation:<\/strong>&nbsp;<br>Use&nbsp;<strong>weighted&nbsp;scoring&nbsp;that&nbsp;incorporates&nbsp;continuous&nbsp;feedback&nbsp;from&nbsp;fraud&nbsp;incidents<\/strong>&nbsp;to&nbsp;adjust&nbsp;decision&nbsp;thresholds&nbsp;in real time.&nbsp;<\/p>\n\n\n\n<p>The&nbsp;advantage?&nbsp;A&nbsp;<strong>reduction&nbsp;in false positives<\/strong>,&nbsp;which&nbsp;frustrate&nbsp;clients and&nbsp;cost&nbsp;merchants&nbsp;lost&nbsp;sales.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Optimized&nbsp;Authorization&nbsp;&amp; Reduction of False Positives&nbsp;:<\/strong>&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>The&nbsp;role&nbsp;of AI&nbsp;is&nbsp;not&nbsp;only&nbsp;preventive :&nbsp;it&nbsp;is&nbsp;educational.&nbsp;<\/p>\n\n\n\n<p>AI can&nbsp;contextualize&nbsp;a transaction and help&nbsp;build&nbsp;the&nbsp;issuer&rsquo;s&nbsp;(bank&rsquo;s) confidence to&nbsp;approve&nbsp;a&nbsp;payment,&nbsp;even&nbsp;when&nbsp;unusual&nbsp;signals&nbsp;are&nbsp;detected.&nbsp;<\/p>\n\n\n\n<p>This&nbsp;translates&nbsp;into&nbsp;higher&nbsp;acceptance rates&nbsp;without&nbsp;compromising&nbsp;network&nbsp;security.&nbsp;<\/p>\n\n\n\n<p>In a&nbsp;market&nbsp;characterized&nbsp;by high-volume instant transactions&nbsp;such&nbsp;as&nbsp;Africa,&nbsp;this&nbsp;is&nbsp;a&nbsp;strategic&nbsp;game-changer.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>5.&nbsp;The Challenge of Instant&nbsp;Payments:<\/strong>&nbsp;<\/h4>\n\n\n\n<p><strong>Agence EcoFin:<\/strong> With African IPS processing trillions of dollars in less than 10 seconds per transaction, every millisecond counts. A fraudster can empty an account faster than a manual process can react. AI makes complex decisions in less than 500 milliseconds by cross-referencing behavioral and historical vectors.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>6.&nbsp;Balancing Customer&nbsp;Fluidity&nbsp;and&nbsp;Enhanced&nbsp;Security<\/strong>&nbsp;<\/h4>\n\n\n\n<p>The&nbsp;winning&nbsp;formula&nbsp;is&nbsp;based&nbsp;on a simple&nbsp;principle:&nbsp;risk-based&nbsp;authentication&nbsp;(RBA).&nbsp;<\/p>\n\n\n\n<p>Rather&nbsp;than&nbsp;applying&nbsp;uniform&nbsp;security&nbsp;barriers&nbsp;(which&nbsp;frustrate&nbsp;90% of&nbsp;legitimate&nbsp;users), the system&nbsp;becomes&nbsp;invisible for&nbsp;secure&nbsp;transactions and&nbsp;only&nbsp;intervenes&nbsp;when&nbsp;there&nbsp;is&nbsp;genuine&nbsp;doubt.&nbsp;<\/p>\n\n\n\n<p>This&nbsp;paradigm&nbsp;enables :&nbsp;<\/p>\n\n\n\n<p>\u2022&nbsp;&nbsp;&nbsp;&nbsp;Frictionless&nbsp;journeys&nbsp;for the&nbsp;majority&nbsp;of&nbsp;payments,&nbsp;<\/p>\n\n\n\n<p>\u2022&nbsp;&nbsp;&nbsp; Intelligent&nbsp;barriers&nbsp;only&nbsp;when&nbsp;necessary,&nbsp;<\/p>\n\n\n\n<p>\u2022&nbsp;&nbsp;&nbsp; A&nbsp;seamless&nbsp;customer&nbsp;experience&nbsp;compatible&nbsp;with&nbsp;the&nbsp;demand&nbsp;for instant&nbsp;payment.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>7.&nbsp;Concrete&nbsp;Benefits:&nbsp;Problem&nbsp;vs AI Solution&nbsp;<\/strong>&nbsp;<\/h4>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"516\" src=\"https:\/\/blog.nexfing.ai\/wp-content\/uploads\/2026\/01\/Smart-Payments-in-Africa-How-AI-Reinvents-Transaction-Security-and-Fluidity-3-1024x516.png\" alt=\"\" class=\"wp-image-210\" srcset=\"https:\/\/blog.nexfing.ai\/wp-content\/uploads\/2026\/01\/Smart-Payments-in-Africa-How-AI-Reinvents-Transaction-Security-and-Fluidity-3-1024x516.png 1024w, https:\/\/blog.nexfing.ai\/wp-content\/uploads\/2026\/01\/Smart-Payments-in-Africa-How-AI-Reinvents-Transaction-Security-and-Fluidity-3-300x151.png 300w, https:\/\/blog.nexfing.ai\/wp-content\/uploads\/2026\/01\/Smart-Payments-in-Africa-How-AI-Reinvents-Transaction-Security-and-Fluidity-3-768x387.png 768w, https:\/\/blog.nexfing.ai\/wp-content\/uploads\/2026\/01\/Smart-Payments-in-Africa-How-AI-Reinvents-Transaction-Security-and-Fluidity-3-1536x775.png 1536w, https:\/\/blog.nexfing.ai\/wp-content\/uploads\/2026\/01\/Smart-Payments-in-Africa-How-AI-Reinvents-Transaction-Security-and-Fluidity-3-2048x1033.png 2048w, https:\/\/blog.nexfing.ai\/wp-content\/uploads\/2026\/01\/Smart-Payments-in-Africa-How-AI-Reinvents-Transaction-Security-and-Fluidity-3-1920x968.png 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>8.&nbsp;Perspectives, Risks &amp; Best&nbsp;Practices:<\/strong>&nbsp;<\/h4>\n\n\n\n<p><strong>Governance&nbsp;and AI&nbsp;Oversight<\/strong>&nbsp;<br>&nbsp;<br><strong>According&nbsp;to a PwC&nbsp;Responsible&nbsp;AI Survey,&nbsp;<\/strong>adopting&nbsp;AI&nbsp;requires&nbsp;a&nbsp;robust&nbsp;governance&nbsp;framework&nbsp;to&nbsp;prevent&nbsp;incidents&nbsp;linked&nbsp;to&nbsp;poorly&nbsp;controlled&nbsp;models.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>Nexfing&nbsp;Recommendation:<\/strong>&nbsp;<br>Establish&nbsp;a&nbsp;responsible&nbsp;AI&nbsp;governance&nbsp;framework&nbsp;aligned&nbsp;with&nbsp;IT,&nbsp;security, compliance, and feedback&nbsp;loops&nbsp;to&nbsp;continuously&nbsp;refine&nbsp;operational&nbsp;outcomes.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>9.&nbsp;General&nbsp;Recommendations&nbsp;for Banks and Financial Institutions<\/strong>&nbsp;<\/h4>\n\n\n\n<p><strong>\u2022&nbsp;&nbsp;&nbsp;&nbsp;Adopt&nbsp;AI at the&nbsp;heart&nbsp;of&nbsp;risk&nbsp;architecture<\/strong>&nbsp;<\/p>\n\n\n\n<p>The&nbsp;integration&nbsp;of AI&nbsp;models&nbsp;for&nbsp;fraud&nbsp;detection,&nbsp;dynamic&nbsp;scoring, and adaptive&nbsp;authentication&nbsp;must&nbsp;be&nbsp;considered&nbsp;from&nbsp;the&nbsp;outset&nbsp;when&nbsp;developing&nbsp;payment&nbsp;infrastructures.&nbsp;<\/p>\n\n\n\n<p><strong>\u2022&nbsp;&nbsp;&nbsp; Focus on real-time monitoring<\/strong>&nbsp;<\/p>\n\n\n\n<p>Instant&nbsp;payments&nbsp;require&nbsp;complete&nbsp;and&nbsp;immediate&nbsp;visibility&nbsp;into&nbsp;transaction flows to&nbsp;detect&nbsp;anomalies&nbsp;before&nbsp;they&nbsp;materialize.&nbsp;<\/p>\n\n\n\n<p><strong>\u2022&nbsp;&nbsp;&nbsp; Promote&nbsp;continuous&nbsp;model&nbsp;learning<\/strong>&nbsp;<\/p>\n\n\n\n<p>Fraud&nbsp;patterns&nbsp;evolve&nbsp;rapidly;&nbsp;systems&nbsp;must&nbsp;be&nbsp;able to&nbsp;respond&nbsp;by&nbsp;adapting&nbsp;their&nbsp;models&nbsp;without&nbsp;frequent&nbsp;manual&nbsp;intervention.&nbsp;<\/p>\n\n\n\n<p><strong>\u2022&nbsp;&nbsp;&nbsp;&nbsp;Educate&nbsp;and&nbsp;empower&nbsp;users<\/strong>&nbsp;<\/p>\n\n\n\n<p>Security&nbsp;is&nbsp;not&nbsp;just&nbsp;about&nbsp;technology:&nbsp;raising&nbsp;customer&nbsp;awareness&nbsp;of&nbsp;risks&nbsp;and best practices&nbsp;reinforces&nbsp;the&nbsp;effectiveness&nbsp;of&nbsp;technical&nbsp;measures.&nbsp;<\/p>\n\n\n\n<p><strong>\u2022&nbsp;&nbsp;&nbsp;&nbsp;Implement&nbsp;robust&nbsp;AI&nbsp;governance<\/strong>&nbsp;<\/p>\n\n\n\n<p>Ensure&nbsp;that&nbsp;AI&nbsp;models&nbsp;are&nbsp;audited, transparent, and compliant&nbsp;with&nbsp;local and international&nbsp;ethical&nbsp;and&nbsp;regulatory&nbsp;standards.&nbsp;<\/p>\n\n\n\n<p><strong>\u2022&nbsp;&nbsp;&nbsp;&nbsp;Collaborate&nbsp;with&nbsp;external&nbsp;experts<\/strong>&nbsp;<\/p>\n\n\n\n<p>Institutions&nbsp;that&nbsp;lack&nbsp;internal&nbsp;capabilities&nbsp;can&nbsp;rely&nbsp;on&nbsp;specialized&nbsp;partners&nbsp;to&nbsp;accelerate&nbsp;integration&nbsp;with&nbsp;agility.&nbsp;<br>&nbsp;<\/p>\n\n\n\n<p>Africa stands at the center of a digital payment revolution. The rise of instant payment systems demands an approach that sacrifices neither security nor speed. AI plays the role of the ultra-trained sentinel: observing, anticipating, preventing, and enabling users to enjoy a smooth, secure, and transparent experience.<\/p>\n\n\n\n<p><strong>Are you looking to transform your payment systems to make them both ultra-fast and inherently secure?<\/strong><\/p>\n\n\n\n<p>At <strong>Nexfing<\/strong>, our expertise covers AI applied to smart payments: dynamic scoring, real-time behavioral detection, and adaptive authentication. Our solutions reduce false positives and ensure a smooth customer experience.<\/p>\n\n\n\n<p><strong>Contact us for a personalized assessment of your payment architecture and discover how Nexfing can secure your instant payments while improving the customer experience.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/nexfing.ai\/#contact\" style=\"background-color:#2a246f\"><strong>let&rsquo;s get in touch<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Sources\u202f:&nbsp;<\/strong>&nbsp;<br><br><strong>Agence&nbsp;EcoFin\u202f:<\/strong>&nbsp;<a href=\"https:\/\/www.agenceecofin.com\/actualites\/1411-133365-en-afrique-les-systemes-de-paiement-instantane-ont-traite-1980-milliards-en-2024\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.agenceecofin.com\/actualites\/1411-133365-en-afrique-les-systemes-de-paiement-instantane-ont-traite-1980-milliards-en-2024<\/a>&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>GSMA\u202f:<\/strong>&nbsp;<a href=\"https:\/\/www.gsma.com\/solutions-and-impact\/connectivity-for-good\/mobile-economy\/wp-content\/uploads\/2025\/10\/GSMA_AFRICA_ME2025_R_Web-3.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.gsma.com\/solutions-and-impact\/connectivity-for-good\/mobile-economy\/wp-content\/uploads\/2025\/10\/GSMA_AFRICA_ME2025_R_Web-3.pdf<\/a>&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>Deloitte\u202f:<\/strong>&nbsp;<a href=\"https:\/\/www.deloitte.com\/fr\/fr\/Industries\/financial-services\/perspectives\/reinventer-paiement-economie-numerique\/revolution-ia-paiements-transactions-sures-optimisees.html\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.deloitte.com\/fr\/fr\/Industries\/financial-services\/perspectives\/reinventer-paiement-economie-numerique\/revolution-ia-paiements-transactions-sures-optimisees.html<\/a>&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>PWC\u202f:<\/strong>&nbsp;<a href=\"https:\/\/www.pwc.com\/us\/en\/tech-effect\/ai-analytics\/responsible-ai-survey.html\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.pwc.com\/us\/en\/tech-effect\/ai-analytics\/responsible-ai-survey.html<\/a>&nbsp;<\/p>\n\n\n\n<p><strong>Microsoft\u202f:<\/strong>&nbsp;<a href=\"https:\/\/www.microsoft.com\/en-us\/security\/blog\/2025\/04\/16\/cyber-signals-issue-9-ai-powered-deception-emerging-fraud-threats-and-countermeasures\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.microsoft.com\/en-us\/security\/blog\/2025\/04\/16\/cyber-signals-issue-9-ai-powered-deception-emerging-fraud-threats-and-countermeasures\/<\/a>&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>IBM\u202f:<\/strong>&nbsp;<a href=\"https:\/\/www.ibm.com\/fr-fr\/think\/topics\/ai-in-banking\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.ibm.com\/fr-fr\/think\/topics\/ai-in-banking<\/a>&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>Global News Wire\u202f:&nbsp;<\/strong><a href=\"https:\/\/www.globenewswire.com\/fr\/news-release\/2025\/11\/25\/3194418\/0\/en\/AI-in-Financial-Services-Strategic-Intelligence-Report-2025-Opportunities-in-Enhancing-Cybersecurity-and-Fraud-Prevention-Automating-Complex-Workflows-and-Improving-Decision-making.html\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.globenewswire.com\/fr\/news-release\/2025\/11\/25\/3194418\/0\/en\/AI-in-Financial-Services-Strategic-Intelligence-Report-2025-Opportunities-in-Enhancing-Cybersecurity-and-Fraud-Prevention-Automating-Complex-Workflows-and-Improving-Decision-making.html<\/a>&nbsp;&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Africa is entering a new instant payment systems (IPS), now operational in 36 African countries, processed 64 billion transactions worth nearly 1,980 billion in 2024.<\/p>\n","protected":false},"author":3,"featured_media":214,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"saved_in_kubio":false,"_kadence_starter_templates_imported_post":false,"footnotes":""},"categories":[26,7],"tags":[],"class_list":["post-207","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fraude-detection","category-ia"],"_links":{"self":[{"href":"https:\/\/blog.nexfing.ai\/index.php?rest_route=\/wp\/v2\/posts\/207","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.nexfing.ai\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.nexfing.ai\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.nexfing.ai\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.nexfing.ai\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=207"}],"version-history":[{"count":19,"href":"https:\/\/blog.nexfing.ai\/index.php?rest_route=\/wp\/v2\/posts\/207\/revisions"}],"predecessor-version":[{"id":303,"href":"https:\/\/blog.nexfing.ai\/index.php?rest_route=\/wp\/v2\/posts\/207\/revisions\/303"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.nexfing.ai\/index.php?rest_route=\/wp\/v2\/media\/214"}],"wp:attachment":[{"href":"https:\/\/blog.nexfing.ai\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=207"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.nexfing.ai\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=207"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.nexfing.ai\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=207"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}