Across Africa, the way people make payments is undergoing a profound transformation. From mobile wallets and contactless cards to e-commerce and embedded finance, digital payments are becoming central to everyday economic activity.

Digital wallets are expanding into everyday retail, subscription services and ride-hailing platforms are increasingly cashless, e-commerce marketplaces are gaining momentum across both major cities and emerging commercial hubs.

However, the rapid acceleration of digital transactions has placed new demands on the infrastructure that powers them.
The growth reflects more than just technological advancement. It also signals a continent steadily building a more inclusive financial ecosystem.

Yet as digital payments expand, a critical question emerges: can the infrastructure supporting these transactions keep pace with the speed of adoption?

It is this challenge and the consequent opportunity that formed the core of conversations at the Verve Biz Unwind 2026 event, hosted by Verve International, Africa’s leading domestic payment cards and tokens brand.

Bringing together Banks, fintech innovators, merchants and ecosystem partners, the event provided a platform for strategic dialogue on the next phase of Africa’s digital payments journey.

Security was a critical theme at the gathering, particularly as fraud tactics and cybersecurity threats become more sophisticated globally. Industry leaders at the event emphasized that security and reliability now play a crucial role in determining a company’s position.

Vice President, Issuing and Acquiring (Africa) at Verve International, Paul Ohakim, believes the industry is approaching a significant inflexion point.

“Africa’s payments industry is entering a phase where digital credentials must operate securely across multiple environments, wallets, banking apps, e-commerce platforms, and physical terminals. The institutions that will lead are those that recognise that trust is embedded in infrastructure. Collaboration across issuers, fintechs, merchants, and processors is what makes that trust scalable,” he said.