Financial Inclusion & Fintech in Africa

  Financial Inclusion and Fintech in Africa

As a young African entrepreneur, I have witnessed firsthand the transformative power of financial inclusion in driving economic growth and eradicating poverty on the African continent. I am keenly aware of the transformative power that financial inclusion and fintech hold for our continent. In recent years, Africa has witnessed a remarkable surge in technological innovation, and the convergence of finance and technology has opened doors to unprecedented opportunities. In this article, we will delve into why financial inclusion and fintech are vital for Africa's economic empowerment, examining examples and statistics that underscore their significance.

The Significance of Financial Inclusion

Financial inclusion refers to the accessibility and usage of affordable financial services by individuals and businesses, regardless of their socioeconomic status. It empowers people to manage their finances effectively, invest in education and healthcare, and seize entrepreneurial opportunities. Unfortunately, a large portion of the African population still remains excluded from the formal financial system.

According to the latest Global Findex report, released by the World Bank, in 2021, approximately 64% of adults in Sub-Saharan Africa did not have access to formal financial services. This lack of access to basic banking, insurance, and credit services restricts economic growth, perpetuates income inequality, and hinders poverty reduction efforts. Financial Inclusion can help in addressing poverty through the following ways :

1. Breaking the Poverty Cycle: Financial inclusion provides individuals with a safe place to save money, access credit for investment in education or entrepreneurial ventures, and mitigate risk through insurance. These services empower individuals to break free from the cycle of poverty and build a brighter future for themselves and their families.
2. Job Creation and Entrepreneurship: Access to financial services facilitates the growth of small and medium-sized enterprises (SMEs) which are the backbone of African economies. By supporting entrepreneurs with capital and financial tools, financial inclusion fosters job creation, reduces unemployment rates, and drives economic growth.
3. Social and Economic Empowerment of Women: Financial inclusion plays a crucial role in promoting gender equality and women's empowerment. It allows women to have control over their finances, invest in education, start businesses, and participate more actively in economic activities, ultimately leading to more inclusive and equitable societies.

By enabling access to financial services, individuals and small businesses can improve their economic situations, create employment opportunities, and contribute to sustainable development.

The Role of Fintech in Financial Inclusion

Fintech, the intersection of finance and technology, has emerged as a game-changer in advancing financial inclusion across Africa. Leveraging digital platforms, mobile technology, and innovative solutions, fintech is addressing the barriers that hindered access to financial services in the past. Here is how it is doing so :

1. Mobile Money: Africa has become a global leader in mobile money adoption, with platforms like M-Pesa in Kenya and EcoCash in Zimbabwe revolutionizing the way people conduct financial transactions. Mobile money allows individuals to store, send, and receive money securely through their mobile phones, bridging the gap between the unbanked population and formal financial services.
2. Digital Banking and Payments: Fintech companies are introducing digital banking solutions that provide accessible and affordable financial services, including account opening, payments, and transfers. These digital platforms eliminate the need for physical infrastructure and allow individuals to transact conveniently, even in remote areas.
3. Alternative Credit Scoring: Traditional lending institutions often overlook the creditworthiness of individuals who lack formal credit histories. Fintech firms are leveraging alternative data sources, such as mobile phone usage, utility payments, and social media activity, to develop innovative credit scoring models. This enables individuals without traditional credit records to access loans and financial products tailored to their needs.

However, Africa has long grappled with limited access to financial services, leaving a significant portion of its population excluded from formal banking systems. Hence the rise of fintech has proven instrumental in closing this gap. Mobile money platforms, s have revolutionized the way people transact, enabling even the unbanked to engage in secure and convenient financial transactions. According to the World Bank, Sub-Saharan Africa leads the world in mobile money accounts, with over half of the adult population having access to these services. This is a positive step that sub saharan Africa has taken and some of the further benefits include :

1. Empowering Small and Medium Enterprises (SMEs):

SMEs are the backbone of Africa's economy, yet they often face significant challenges in accessing capital and financial services. Fintech solutions, such as crowdfunding platforms and digital lending, are changing the game. For instance, Nigeria's Paystack, a fintech startup, has simplified online payment processing for thousands of businesses, empowering them to thrive in the digital era. The African Development Bank reports that SMEs account for 80% of the region's employment, highlighting the crucial role fintech plays in fostering entrepreneurship and job creation.

2.  Enhancing Financial Literacy:

Financial literacy is a key component of economic empowerment. Fintech innovations provide avenues for individuals to acquire essential financial knowledge and skills. Platforms like South Africa's "JUMO" offer educational tools and insights, enabling users to make informed financial decisions. By equipping Africans with the knowledge to manage their finances effectively, fintech contributes to a more financially savvy population, promoting economic growth and stability.

3. Driving Digital Payments and E-commerce:

The rise of fintech has spurred the adoption of digital payment systems and e-commerce across Africa. Platforms like Flutterwave and Paga have facilitated seamless online transactions, boosting the growth of digital marketplaces and enabling businesses to expand their reach beyond local boundaries. The United Nations Conference on Trade and Development (UNCTAD) estimates that Africa's e-commerce market could reach $75 billion by 2025, illustrating the vast potential for economic empowerment through digital transactions.

4. Unlocking Access to Credit:

Access to credit is a significant hurdle for many Africans seeking to start or expand businesses. Which I have personally encountered.  Fintech-driven innovations, such as alternative credit scoring models and peer-to-peer lending platforms, have revolutionized the lending landscape. For instance, Branch International has leveraged smartphone data to provide instant loans to underserved populations across Africa. By democratizing access to credit, fintech plays a vital role in empowering individuals and fostering entrepreneurship.

Conclusion

Financial inclusion is a fundamental catalyst for sustainable development and poverty reduction in Africa. By providing individuals and businesses with access to affordable financial services, we empower them to unlock their potential and contribute meaningfully to their communities. Fintech has emerged as a crucial enabler in achieving financial inclusion, revolutionizing the way Africans access and utilize financial services.

As a young African entrepreneur and philanthropist, I am optimistic about the future of our continent. I am committed to harnessing the power of fintech to drive sustainable development, foster entrepreneurship, and unlock the potential of every African. Together, we can build a future where financial inclusion is a reality for all. By continuing to prioritize financial inclusion, embracing fintech innovations, and collaborating with stakeholders across sectors, we can build better societies, eradicate poverty, and unleash Africa's vast economic potential.

Together, let us seize this opportunity and create an inclusive and prosperous Africa for all !

by Brian Munyawarara

Getting Involved in impacting lives

As an emerging young African philanthropist, I often get asked the question “How can I get involved in this space?” It's always humbling to see the desire that is there, for people to give back to their communities and make a meaningful impact. I know that giving back to our community is an essential part of creating positive change. Philanthropy and charity work are not only beneficial for the recipients, but they also provide a sense of fulfilment and purpose for the giver. In this article, I will explore the various ways that individuals can get involved in philanthropy or charity work and the pros and cons of doing so.

Where do I start from?

The first step to getting involved in philanthropy or charity work is to IDENTIFY A CAUSE  that you are passionate about. There are countless issues that require support, from education and health care to poverty and environmental conservation. Focusing on a cause that you are passionate about often helps with having the tenacity required to stay the course when pursuing the cause. Once you have identified a cause that resonates with you, you can begin to research and connect with organisations that are working towards that cause. This research is important as it helps you push for collaboration and complementation instead of competing with organisations fighting for the same thing.

Once you have the information from your research the next step is to TAKE ACTION. You need to decide if you want to be a full time philanthropist and open an organisation or you want to partner and give to already existing organisations. One way to get involved in philanthropy or charity work is to donate money to an organisation that is doing impactful work. From as little as $5 you can make a difference by donating through online means and in some cases setting up direct debits so that you are constantly giving to the cause that matters to you. This can be a one-time donation or a recurring donation, depending on your financial capacity. This approach is convenient, as it requires little time or effort, and can make a significant impact on the lives of those in need. However, it is essential to research the organisation you plan to donate to thoroughly to ensure that your funds will be used effectively.

Another way to get involved in philanthropy or charity work is to volunteer your time and skills. Many organizations rely on volunteers to carry out their programs and initiatives. Volunteering provides a hands-on approach to making a difference and can be a rewarding experience. However, it requires a significant amount of time and effort, and may not be feasible for individuals with busy schedules. The following pages or organisations run good volunteering programs :

1. Volunteer Abroad In Africa - www.volunteerhq.org  
2. Grace Life Foundation - www.gracelifefoundation.com
3. Go overseas - www.gooverseas.com/volunteer-abroad/africa
4. Volunteer in Zimbabwe - www.volunteerworld.com/en/volunteer-abroad/zimbabwe
5. Rotary - www.rotary.org 
6. UN Volunteers - www.unv.org 
7. African Impact - www.africanimpact.com/volunteer-projects/  

Whats in it for me? Someone might ask. Below we explore some pros and cons of getting involved with this kind of work :

Pros of the  Work

1. Helping those in need: One of the most rewarding aspects of philanthropy or charity work is the opportunity to help those who are less fortunate. Whether you are donating money, volunteering your time, or providing resources, your efforts can make a significant difference in the lives of others.
2. Making a positive impact: By getting involved in philanthropy or charity work, you can make a positive impact on your community or the world. Whether you are supporting a local organization or contributing to a global cause, your efforts can help create a better world for everyone.
3. Personal fulfillment: Engaging in philanthropy or charity work can be personally fulfilling. It can give you a sense of purpose and meaning, and help you feel like you are making a difference in the world.
4. Networking: Philanthropy and charity work can also provide opportunities for networking and connecting with like-minded individuals who share your passion for giving back. This can lead to new friendships, collaborations, and partnerships.

Cons of the Work

1. Financial costs: Depending on how you choose to get involved in philanthropy or charity work, it can be expensive. Donating money, hosting events, or sponsoring programs can require significant financial resources.
2. Time commitment: Philanthropy and charity work can also be time-consuming. Volunteering, organizing events, and coordinating with other individuals or organizations can take up a lot of time and energy.
3. Emotional toll: Engaging in philanthropy or charity work can also be emotionally taxing. Witnessing the suffering of others and working to alleviate it can be overwhelming, and can take a toll on your mental health and well-being.
4. Burnout: Finally, philanthropy and charity work can lead to burnout if you are not careful. It's important to find a balance between giving back and taking care of yourself, so that you can continue to make a positive impact over the long term

In summary Tips for Getting Involved in Philanthropy or Charity Work are that :

1. Identify your passions and interests: Start by identifying causes that are important to you. Whether it's supporting education, healthcare, or the environment, there are many causes that could benefit from your support.
2. Research organisations: Once you have identified your areas of interest, research organisations that are working in those areas. Look for organisations that are reputable, well-established, and have a proven track record of success.
3. Start small: If you're new to philanthropy or charity work, start small. Consider making a small donation or volunteering for a few hours. This can help you get a sense of what's involved and whether it's something you want to pursue further.
4. Network: Attend events and conferences related to your areas of interest, and connect with other individuals and organizations that share your passion for giving back. This can lead to new opportunities and collaborations.
5. Be strategic: Finally, be strategic in your philanthropic efforts. Consider the impact you want to make and how you can best achieve your goals. Develop a plan for how you will give back, and measure your progress along the way.

Philanthropy and charity work can be a rewarding and fulfilling way to make a positive impact on the world. By understanding the pros and cons of getting involved, and following these tips for getting started, you can find ways to give back that align with your vision and passion.

You can find out more about the kind of work you can get involved in here 

by Brian Munyawarara

Should I venture into Entrepreneurship in Zimbabwe ?

Entrepreneurship is the key to unlocking economic growth and job creation in Zimbabwe. It provides a means of creating wealth, solving societal problems, and fostering innovation. Zimbabwe is a country that is ripe for entrepreneurship due to its natural resources, skilled workforce, and a growing market. In this essay, we will explore the opportunities and challenges of venturing into entrepreneurship in Zimbabwe and provide some tips for those who want to start their own businesses.

Which Sectors should I look out for ?

Zimbabwe has several opportunities for entrepreneurship in various sectors. One of the most promising sectors is agriculture, which is the backbone of Zimbabwe's economy, accounting for a significant portion of the country's GDP. There are many opportunities for entrepreneurs in this sector, such as crop and livestock farming, food processing, and agro-processing. The current trend now is seeing more and more young people pursing opportunities in agriculture.

Another sector with great potential is tourism. Zimbabwe is a country rich in natural resources and cultural heritage. The tourism industry has great potential for growth, and there are opportunities for entrepreneurs to start businesses in hospitality, travel, and tourism-related services. Innovation and improved service delivery has been lacking in this industry in many aspects which in-turn presents opportunities for budding entrepreneurs to develop products that are ripe for the market.

The mining sector also presents opportunities for entrepreneurs in Zimbabwe. The country has vast mineral resources, including gold, diamonds, platinum, and coal. The mining sector presents opportunities for entrepreneurs to start businesses in exploration, mining, and mineral processing. The cost of acquiring mining claims and basic equipment to start is affordable and within reach for budding entrepreneurs .

The Information and Communication Technology (ICT) sector in Zimbabwe is growing rapidly, and there are opportunities for entrepreneurs to start businesses in software development, digital marketing, e-commerce, and other ICT-related services. Over the last two years Zimbabwe has seen an increase in quality developers emerging in this space which has led to an increase in product quality deployment.

Are there any challenges ?

Despite the opportunities for entrepreneurship in Zimbabwe, there are also several challenges that entrepreneurs face. Access to capital is a significant challenge for entrepreneurs in Zimbabwe. The cost of borrowing is high, and there is limited access to funding from banks and other financial institutions. Infrastructure in Zimbabwe is inadequate, with poor road networks, limited access to electricity, and unreliable water supply. This lack of infrastructure makes it difficult for entrepreneurs to operate their businesses effectively. The regulatory environment in Zimbabwe is complex, with numerous bureaucratic hurdles that entrepreneurs must navigate. This complexity can make it difficult for entrepreneurs to comply with regulations and obtain the necessary licenses and permits.

Zimbabwe has a history of political instability, which can negatively impact entrepreneurship. Political instability can lead to economic uncertainty, which can make it difficult for entrepreneurs to plan for the future and make long-term investments.

How can I work around these challenges ?

Despite these challenges, there are several tips that aspiring entrepreneurs can follow to succeed in Zimbabwe. Firstly, it is essential to conduct market research to identify the demand for your product or service. This research will help you understand your target market and identify potential competitors. Secondly, develop a business plan that outlines your goals, strategies, and financial projections. This plan is essential for securing funding from investors or financial institutions.

Building a network is crucial for success in entrepreneurship. Attend networking events, join business associations, and connect with other entrepreneurs in your industry. Twitter is a good place to start networking and meet budding entrepreneurs.  Seeking out funding opportunities is also critical. There are several funding opportunities for entrepreneurs in Zimbabwe, including grants and loans from government agencies and financial institutions. Research these opportunities and apply for funding that is relevant to your business.

Lastly, embracing technology can help entrepreneurs overcome some of the challenges they face in Zimbabwe. Embrace technology in your business by using digital marketing strategies, investing in online payment systems, and adopting other technologies that can help you streamline your operations and improve your customer experience.

Entrepreneurship is a promising path to economic growth and job creation in Zimbabwe. While there are challenges to overcome, there are also several opportunities for entrepreneurs to succeed in various sectors. lastly it is important for aspiring entrepreneurs in Zimbabwe to stay persistent and resilient in the face of challenges.

Building a successful business takes time, effort, and dedication. It is essential to keep pushing forward, learning from failures, and adapting to changing market conditions. With the right mindset and tools, entrepreneurs can overcome the challenges of venturing into entrepreneurship in Zimbabwe and create successful businesses that contribute to the country's economic growth and development.

THE END

by Brian Munyawarara

Grace Life Foundation where fintech meets philanthropy by Valentine Muhamba

by Brian Munyawarara

Rising Food Prices Threaten Global Food Security

In the weeks since Russia first invaded Ukraine, food prices have reached record highs, threatening to exacerbate global food insecurity. Food prices in March reached levels 29 percent higher than this time last year, according to the U.N. from the Food and Agriculture Organization (FAO) Food Price Index. And while April saw a dip in prices, Maximo Torero, Chief Economist for the FAO, says that values are still “extremely high.” 

“I don’t think the problem of food availability is today,” Torero tells Food Tank, explaining that there are not yet food shortages. “The problem today is food access.” If the situation does not improve, however, the world may face shortages of food in the next year. In an extreme scenario, FAO modeling predicts that 30 percent of the world’s cereal exports could disappear and restricted access to fertilizer will result in lower yields. This will not only reduce the availability of food, but also raise food prices, pushing levels of food insecurity and chronic undernourishment even higher. “Let’s hope that scenario doesn’t happen,” Torero tells Food Tank, “but we have simulated the scenario.” Torero explains that reliance on a small handful of food exporters has put important-dependent countries in a vulnerable state. Roughly 50 countries depend on 30 percent of wheat and maize from Russia and Ukraine. Of these countries, almost 30 rely on Russia and Ukraine for more than 50 percent of these grain exports.

“Things need to change,” Torero tells Food Tank. “Countries need to understand that they need to diversify.” The threat of export restrictions from countries also risks worsening the situation. He calls on leaders to “understand the importance of solidarity” and continue to facilitate trade. “Of course, there are countries that are worried about their own food security, and that’s completely understandable,” Torero says. “But we have to try to find ways in which trade continues to happen because right now it’s essential until markets can come down a little bit.” In addition to recommending that trade operates as usual, the FAO is exploring options that can cover the rising costs of food imports for particularly vulnerable countries. Torero explains that it is possible to cover the gap in price between the higher cost of this year’s food imports and the cost of last year’s. Not only will this help to ensure food access, but he says, it will hopefully “minimize the risk of social unrest.” Listen to the full conversation with Maximo Torero on “Food Talk with Dani Nierenberg” to hear more about projections for the rise in acute hunger, why rising fertilizer prices matter for food security, and what resilience looks like in the face of future global shocks.

by Brian Munyawarara

SME Survey: Rising Prices, Increased Cost Of Inputs, and Lack of Finance Raise Danger for Global Food Systems

The U.N. Food and Agriculture Organization’s global food price index might have stopped increasing in recent weeks, but it remains 23 percent above its value a year ago, driven by large year-on-year increases in the prices of cereals and vegetable oil, as well as dairy products. Meanwhile, agricultural input prices, such as energy, feed, and fertilizer, have also been rising at rates even higher than food prices..

Severe challenges for small businesses

Weathering these peaks and volatility is challenging for rich countries and large corporations. But it’s much harder in low- and middle-income countries (LMICs), for the small- and medium-sized enterprises (SMEs) which make up the bulk of the food system. A recent online survey by The Scaling Up Nutrition (SUN) Business Network, which is convened by the World Food Programme (WFP) and GAIN, ran a survey to find out what they’re facing and how they are coping. Well over 200 owners and/or managers of food system SMEs in 12 countries in Africa and Asia provided their feedback. Over a third of responses came from women-owned businesses and a further 30 percent from youth-owned businesses. From the responses, it is abundantly clear that SMEs are feeling the pressure. 79 percent reported that high or volatile prices were a current challenge for their business, with about a third ranking this as their main challenge. Nearly one fifth said high prices were having such a severe impact on their business that it risked closure. And firms led by women and young people were particularly likely to cite rising prices as a top contextual challenge. Most firms estimated that prices for their inputs had increased by over 30 percent in the past six months. About two-thirds of firms also reported changes to input availability since the start of 2022, with 68 percent of them reporting a decrease in availability. These are big problems, but they are exacerbated by an even bigger, and near-perennial, one: most respondents said their biggest issue was either difficulty accessing financing or limited financial reserves.

How can SMEs adapt?

The main strategy firms used to respond to input price increases amid limited access to financing was raising sales prices: 71 percent of respondents had changed their prices in the past six months, typically increasing them. Others cited strategies such as cutting staffing and reducing product sizes. However, some firms are also finding innovative ways to respond that could increase their long-term resilience, such as by strengthening local supply chains and switching to renewable energy sources, helping them avoid some of the volatility of global supply chains. Encouragingly, many firms also saw opportunities, with about half wishing to explore new business areas. For example, an egg producer in Kenya planned to set up his own feed mill. And nearly two-thirds said actions they had taken as a result of COVID-19, such as adapting products, changing distribution methods, and adopting online sales, had helped them to cope with the current situation. However, reduced product availability and rising input prices, combined with limited access to finance, still represent an acute challenge. And it gets worse when you consider the context of poor economic growth, climate change, local conflict and political instability, all on the back of the massive shock of COVID-19. This creates a vicious circle. For example, two chicken farmers in Mozambique explained how, even before the pandemic, they had lost clients and sales due to conflict in the north of the country. They now can’t increase prices because they’ll lose what remains of their business and they are, therefore, having to operate on the very edge of profitability. Building global food systems resilience None of these challenges, unfortunately, are going to go away soon. Instead, we must find ways to mitigate the negative impacts on SMEs and facilitate the opportunities that emerge for them, thereby buffering the impacts on the consumers who rely on them for nutritious food. There are remedies available. One is increasing financing options for SMEs, in both the short and long terms. We can also encourage governments to use fiscal policies, such as time-limited tax exemptions or reductions in interest and utility payments, to reduce the pressure on SME finances. At the global level, ensuring the free flow of food and inputs, including to the poorest countries and into and out of conflict areas, will be essential to stem the tide of rising prices. It is vital we act now to bolster food systems resilience, supporting small businesses and those in lower-income countries who depend on them for much-needed food.

 

 

by Brian Munyawarara

Zimbabwean Rise Winners’ Reflections from First Ever Rise Residential Winner Summit in Cape Town

The Rise Residential Winner Summit was a fully-funded, three-week residential summit with other members of the Rise Global Winner cohort. This years summit was held in Cape Town where the winners got to explore the city, the history, learn from one another, and share their lives with each other. We asked each of the 3 winners to share some of their highlights from the summit and their responses can be found below.

Nyasha Makaya

I would say that my experience was a transformative transition. On arrival I was a nervous little boy with a lot of questions and confusion, who did not know how to fit into such a diverse society with people from more than 42 countries. Although it took me almost a week to adapt to the changes, I finally integrated perfectly into the society of changemakers. With a series of intense and relaxed sessions, talks l, presentations and activities, I found my skill set in the field of making change and impacting the society expanding at an accelerated rate. One of the things I liked most about the summit is that we got to implement and map the things that we were learning in theory to what is really happening in the world, and this we achieved by visiting a couple of organizations, people and societies, and asking them questions about whatever it is that they do, why they do it, how they do it, and the impact they are having on society. This model of system’s thinking which incorporates the reason why a certain system exists, the structures supporting it, the trends that come about with it, etc., I would say was one of the most important skills I gained from the summit. Trips to Robbin Islands and the University of Cape Town also served to maximize the experience. I also enjoyed the leisure days during which I had the chance to go snorkeling, surfing, paddling, among other things. In short, I really enjoyed the whole three week experience from interacting with fellow winners to the lessons that we attended.

Natalie Mbonjani

I would say that my Cape Town experience was out of this world. Starting from the day I arrived, I was already appreciating the beauty of the campus grounds upon which the summit was being hosted, the Vineyard Hotel. As the summit progressed, I was able to interact and converse with many of my fellow rise winners, and hearing their different stories, experiences and backgrounds was just magical and inspiring. I eventually ended up making some deep connections with some of the winners. The sessions that we had, were they talks from outside speakers, presentations from my fellow winners, discussions with professors, presentations from our facilitators, activities, etc., were all instrumental in deepening my understanding of making meaningful change in society and changing systems. They really shifted my perspective of what I thought of change making and problem solving. We also had visits to people and organisations so as to fully understand and implement the models and ideas we were being taught in theory. I also liked the recreational activities that we engaged in. I had the privilege to go on the Peninsula tour, on which we visited the Cape point, the Cape of Good Hope, and we went penguin paddling. It was so much fun. I enjoyed the trips we had to the city centre, Robbin Islands and Mandela’s house in a bid to try and understand the system of apartheid in colonial south Africa from its roots. Overall, I would say my Cape Town experience was a once-in-a-life-time achievement.

 

 

Tegra Ilunga

The Rise 2022 summit in Cape Town was an exciting and breathtaking experience. Most importantly, the Rise RAs, Team members and Facilitators were more welcoming and provided the most security and comfort zone such that the summit felt like home. I got to meet like-minded children who are aspiring young global change makers who are doing amazing works for their communities from the different corners of the world. The most quality time I spent was going through individual Rise Winner’s profiles learning about their wonderful projects and looking into how I could work on some to better my community. The winner’s lightning talks, and the one-on-one approach were mediums through which I could learn individual projects in-depth. Something that counted for me was exercising my diversity in languages mainly Swahili and French with winners who spoke either of those languages. It was an honor getting to know the history of South Africa in-depth, going to Robben Island and getting much insight on Apartheid. We learnt the value of teamwork through the Base group and Theme group activities. This increased the connections in our network of incredible amazing young people. The academic information was more insightful especially those from the World-renowned experts in the Schmidt Futures network hosted by Rise and the visits to University of Cape Town. All in all, the Rise 2022 summit was a memorable experience in a lifetime!

by Brian Munyawarara