Tlalehong e sa tsoa lokolloa, Banka ea Matsete ea Europe (EIB) e senola hore lekala la fintech la Afrika le batla le imenne hararo ho tloha ka 2020, e leng se tlisang litšebeletso tsa bohlokoa tsa lichelete ho sechaba se sa sireletsoang ho pholletsa le kontinente. Leha ho le joalo, tlaleho, Lichelete tsa Afrika 2024, hape e totobatsa litšitiso tse kholo tsa kholo: litšenyehelo tse phahameng tsa lichelete le lichelete tse fokolang, tse sitisang boemo ba leholimo ba Afrika le liphetoho tsa digital.
“Fintech e fetola tsela eo re nahanang ka eona ka lichelete Afrika,” ho boletse Motlatsi oa Mopresidente oa EIB Thomas Östros. "Ka ho sebelisa theknoloji, re ka ntlafatsa phihlello ea lichelete bakeng sa limilione le ho holisa kholo ea moruo e tsitsitseng."
Katoloso e potlakileng ea litharollo tsa lichelete tsa dijithale e fetola maemo a lichelete a Afrika, 'me lifeme tsa fintech li ata ho tloha ho 450 ka 2020 ho ea ho 1,263 mathoasong a 2024. Tsoelo-pele ena e eketsa phihlello ea mekoloto, haholo-holo e ruisang likhoebo tse nyane le batho ba sotlehileng, ho latela selemo sa borobong sa EIB. Banking Afrika tlhahlobo.
Ha litharollo tsa dijithale li ntse li atleha, libanka tsa setso Afrika li tobane le mathata a maholo. Hoo e ka bang karolo ea boraro ea libanka tsa Afrika e tlalehile khaello ea chelete le ho bolela litšenyehelo tsa lichelete e le litšitiso tsa kholo. Litšitiso tsena li na le seabo ho theoheleng ha Afrika sekoloto sa lekala la poraefete, se theohileng ho tloha ho 56% ea GDP ka 2007 ho ea ho 36% ka 2022, e leng tsoelo-pele e khinaneng ea kholo ea indasteri le botsitso ba moruo.
Setsebi se ka Sehloohong sa Moruo oa EIB Debora Revoltella o hatelletse ho potlaka ha ho sebetsana le liqholotso tsena ho bula menyetla ea Afrika. “Le hoja re bona matšoao a ntlafatso, theko e phahameng ea lichelete e ntse e le mohloli oa matšoenyeho. Ha re ntse re shebana le liqholotso tse peli tsa phetoho ea maemo a leholimo le phetoho ea dijithale, karolo ea likalimo tsa banka ea nts'etsopele ea linaha tse ngata e bohlokoa le ho feta ho ts'ehetsa kholo ea moshoelella kontinenteng.
Tlaleho e totobatsa bofokoli bo matla ba Afrika ba ho fetoha ha maemo a leholimo, ha 34% ea libanka tse entsoeng lipatlisiso li hlokometse ho senyeha ha boleng ba thepa ka lebaka la maemo a leholimo a feteletseng. Likhoebo tse nyane le tse mahareng (li-SME) ke tsona tse amehang ka ho khetheha, kaha likotsi tse amanang le boemo ba leholimo li nyenyefatsa botsitso ba tsona le ho ba le mekoloto. Boipiletso ba Revoltella ba ho nka khato bo totobatsa tlhokeho ea mekhoa ea lichelete e ka amohelang likotsi tsa boemo ba leholimo ha e ntse e khothaletsa kholo ea moruo.
Kalimo e shebaneng le bong ke mokhoa o mong o hlokomelehang o boletsoeng tlalehong. Libanka tse robong ho tse 10 ho pholletsa le Afrika li nahana kapa li kenya ts'ebetsong leano la bong, tse khothatsoang ke lintlha tse bontšang ts'ebetso e ntle ea likalimo har'a likhoebo tse etelletsoeng pele ke basali. Hoo e ka bang 70% ea libanka e tlalehile litefiso tse tlase tsa likalimo tse sa sebetseng bakeng sa lifeme tsa basali, 'me 17% e rera ho hlahisa leano le inehetseng la bong ho holisa mokhoa ona o ts'episang.
Maemo a moruo Afrika a ntse a ntlafala butle-butle, ha lihlahisoa tsa bond li theoha, e leng se fang linaha tse 'maloa monyetla oa ho fumana limmaraka tsa machaba tsa libonto. Leha ho le joalo, Index ea Maemo a Lichelete ea EIB e ntse e bonts'a maemo a lichelete ka kakaretso e le a thibelang, a bakang mathata ho kholo ea lekala la poraefete.
EIB Global, karohano e inehetseng ho bolekane ba machaba, e batla ho koala likheo tsena tsa lichelete ka ho tšehetsa matsete a tšoarellang Afrika. Ka matsapa a kang Global Gateway, EIB Global e ikemiselitse ho bokella € 100 bilione ea matsete ka 2027, ho tsepamisitse maikutlo haholo meahong ea dijithale le ho mamella maemo a leholimo.
The Lichelete tsa Afrika 2024 tlaleho e fana ka tlhahlobo e felletseng ea menyetla le mathata a sebopeho a tobaneng le lekala la lichelete la Afrika. Ha fintech e ntse e tsoela pele ho fetola litšebeletso tsa lichelete tsa sebaka seo, tlaleho ea EIB e totobatsa hore ho bebofatsa mekoallo ea lichelete le ho tsetela ho feto-fetoha ha maemo a leholimo ke mehato ea bohlokoa ho isa bokamosong ba moruo bo tsitsitseng le bo kenyeletsang Afrika.
