Unlocking Financial Inclusion Through FinTech, E-Commerce & Digital Payments

As digital technologies continue to reshape the economic landscape across Africa, one of the most powerful drivers of inclusive growth has been the rise of FinTech, E-commerce and Digital Payments.

During ATLC 2025, a dedicated breakout session will explore how these innovations are transforming lives at the county level, particularly in Kenya, and what they mean for the continent’s future.

With the conference theme, “Africa’s Digital Future: Innovations Driving Economic Transformation,” this session highlights how financial technologies are not just improving transactions but are also they’re expanding economic opportunity, reducing inequality and enabling sustainable development.

Why Digital Payments Matter

Kenya has long been considered a pioneer in mobile money adoption, but the evolution from basic mobile transfers to complex digital financial ecosystems is where the next leap lies. Counties are increasingly becoming active participants in promoting digital payment infrastructure for:

  • Revenue collection and service delivery through mobile and online platforms
  • Support to smallholder traders, women-led businesses and informal enterprises
  • E-commerce integration with local supply chains and logistics networks
  • Faster, more transparent disbursement of government funds and subsidies

Key Themes to Be Explored during the Session

This session will bring together county leaders, FinTech innovators and policy experts to examine:

  • The role of counties in adopting and scaling FinTech solutions for local development
  • Barriers and enablers to e-commerce growth in rural and peri-urban settings
  • How digital payments are enabling last-mile access to credit, insurance, and savings
  • Regulatory innovations that support financial inclusion while protecting consumers

Engaging Towards a Digitally Inclusive Economy

Beyond convenience, digital payments offer a pathway to formalization of informal economies, broader tax bases, improved public service efficiency and stronger local resilience. But to fully unlock these benefits, digital tools must be accessible, affordable and trusted.

ATLC 2025’s county-focused breakout will spotlight real-world examples and practical solutions for scaling inclusive digital finance across Kenya and beyond. Visit www.africaforum.tech for the full schedule of the conference.