Walk into any busy market in Lagos or Accra and you will find vendors accepting mobile payments without a second thought.
Drive two hours into the rural hinterland of the same country, and the picture changes completely. Cash is king, bank branches are a distant memory, and the nearest ATM might require half a day's travel. This is the digital divide in West Africa — not an abstract policy problem, but a lived daily reality for millions of people who remain locked out of the formal financial system.
The good news is that the gap is closin
