In Africa, it's a catch-22: you can't have one thing without the other. Many tech companies must build customer acquisition and engagement through highly analog or physical efforts.
TymeBank and Moniepoint have successfully tailored disruptive fintech models from mature economies to simplify banking for individuals and businesses in Africa.
Both fintechs are adopting a hybrid banking model, combining the convenience of digital services with important physical touchpoints to engage their customer base.
Unlike U.S. challenger banks, which largely operate digitally, TymeBank and Moniepoint recognize that a mixed approach is crucial for success in Africa's informal markets.
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