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CashAfrica, a Nigerian contactless payment infrastructure provider, has partnered with ChamsSwitch, a licenced switching and electronic payment processing company, to resolve the compliance bottlenecks stalling its tap-to-pay infrastructure. Under the partnership, CashAfrica will handle the contactless experience when a customer taps a phone or card on a point-of-sale terminal. ChamSwitch will then route the transaction between banks and update balances. The partnership is the company’s attempt to solve the compliance problem in scaling its contactless payment solution. CashAfrica said it had deals in progress with PalmPay, AltBank, and Sterling Bank, but each stalled as partners ran into extended due diligence and regulatory concerns. Without a licenced switching partner, the company lacked the compliance credibility that financial institutions require before integrating new payment infrastructure. With the ChamsSwitch deal, it hopes to remove that blocker in one move. “The partnership directly removes the compliance friction that has been the single biggest blocker across capital raising, partnership launches, and partner integrations,” said Malik Asamu, CashAfrica’s CEO. “With that foundation now in place, CashAfrica can pursue fundraising with a stronger story, activate integrations that were previously stalled, and approach new banking and fintech partners with the regulatory credibility they require.” Founded in 2024 by Asamu and Bello Opeyemi, CashAfrica provides a tap-to-pay infrastructure using Near Field Communication (NFC), a short-range wireless technology that allows devices a few centimetres apart to communicate. Its product, CashTap, allows customers to pay by tapping a phone or contactless card on a PoS device. Contactless payments remain rare in Nigeria, where the Central Bank has historically applied the same regulatory rigour to new payment infrastructure as it does to digital wallets and POS terminals. A 2025 CBN policy that restricted POS terminals to a 10-metre radius of their registered address and tied them exclusively to one financial institution illustrated the level of scrutiny operators face. Nigeria already has real-time payment infrastructure—the Nigeria Quick Response code system allows QR-based payments through bank apps—but contactless payments require something more: merchant trust, financial institution buy-in, and a compliance foundation that can withstand banking-sector due diligence. CashAfrica is betting the ChamsSwitch partnership delivers all three. “ChamsSwitch has been part of Nigeria’s payments infrastructure for years, and this partnership reflects our commitment to enabling the next generation of digital payment experiences, said Mudiaga Umukoro, CEO of ChamsSwitch.
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5 mai 2026 Hello , Welcome back to Francophone Weekly by TechCabal, your weekly deep dive into the tech ecosystem across French-speaking Africa. For readers who want to understand Francophone Africa beyond headlines—through markets, startups, and systems. New editions of the newsletter will land directly in your inbox every Tuesday at 12 PM WAT. By default, this newsletter is in French. If you’re reading this in your email inbox, click the “Read in English” button below to switch to the English version. If you’re reading on our website, you can either click the button below or toggle the language selector at the top right-hand side of the page to view the English edition. Read in English Entrez dans le département financier d’une entreprise agroalimentaire de taille moyenne à Abidjan et vous trouverez une scène familière : un responsable trésorerie qui jongle entre trois portails bancaires distincts, un directeur financier qui court après les validations de factures sur WhatsApp, et un comptable qui réconcilie manuellement des feuilles Excel en fin de mois. Les outils existent. Ils ne communiquent tout simplement pas entre eux. C’est le problème que JoonaPay, une startup fintech dont le siège est à Abidjan, cherche à résoudre. La startup se positionne comme la première plateforme de finance numérique B2B unifiée d’Afrique de l’Ouest francophone : un tableau de bord unique qui centralise les paiements, la gestion de trésorerie, le contrôle des dépenses et l’infrastructure bancaire pour les entreprises de taille moyenne à grande et les banques de la région. 1. Le problème de fragmentation que les entreprises ont appris à vivre Source de l’image : Getty Images via iStockphoto « L’idée de départ était simplement de résoudre ça », a dit Lova Diakité, fondateur maliano-américain et PDG de JoonaPay. « L’entreprise est née d’un problème vécu de l’intérieur. J’avais des membres de ma famille qui géraient des entreprises à Abidjan et qui ne pouvaient pas recevoir leurs paiements de façon fiable. C’était une friction opérationnelle mineure, mais le genre qui étouffe silencieusement une entreprise. » Ce qui avait commencé comme un problème de paiements a vite révélé quelque chose de plus large. « Une fois qu’on a vraiment passé du temps avec d’autres entreprises sur ce marché, le problème s’est élargi », a dit Diakité. « Elles géraient leurs paiements, leur trésorerie, leurs réconciliations, leur facturation et leurs transactions transfrontalières sur des outils fragmentés qui ne se parlaient pas. Réparer un seul maillon ne résout pas le problème de fond. C’est ce qui nous a conduits à construire un système d’exploitation financier plutôt qu’un simple agrégateur de paiements. » Selon Trade Finance Global, la plupart des PME africaines sont exclues du commerce international non pas par manque de potentiel, mais en raison de systèmes financiers obsolètes et fragmentés. Et le coût de cette fragmentation n’est pas seulement opérationnel ; il va bien plus loin. « La plupart des entreprises normalisent la douleur au départ », a dit Diakité. « Mais le coût est bien réel, et il se manifeste de différentes façons. Nous avons un prospect dans l’agroalimentaire qui traite des millions de FCFA de volume mensuel et qui passe plus de 10 heures par semaine à retrouver des reçus mobile money, à les associer à des factures et à réconcilier manuellement. Ce sont 10 heures de temps de cadres financiers consacrées à de l’administration plutôt qu’à du vrai travail de finance. » Le deuxième coût est plus difficile à aborder. « C’est plus difficile à aborder, mais ça revient plus souvent qu’on ne l’admet », a dit Diakité. « Des employés qui font sortir de l’argent de l’entreprise discrètement, en le masquant par des doubles écritures. Nous avons récemment parlé à une entreprise qui avait mis en place un outil de suivi, mais les employés impliqués dans la fraude l’ont saboté. L’entreprise continuait de payer pour un logiciel que personne n’utilisait pendant que la fraude se poursuivait. Sans source unique de vérité, on ne voit pas où l’argent fuit. » Le schéma est constant : la plupart des entreprises vivent avec des opérations fragmentées jusqu’à ce que quelque chose cède, puis commencent à chercher un système qui regroupe tout. « C’est généralement là qu’on arrive dans la conversation », dit Diakité. Le choix de s’implanter d’abord en Côte d’Ivoire est délibéré. En 2024, la Côte d’Ivoire contribuait à hauteur de 40 % au produit intérieur brut (PIB) de l’Union Économique et Monétaire Ouest-Africaine (UEMOA), selon S&P Global, et affiche une croissance soutenue proche de 6 % depuis plus d’une décennie. « Nous avons démarré en Côte d’Ivoire non seulement à cause de ce problème vécu de l’intérieur, mais aussi parce qu’Abidjan est le centre de gravité commercial de l’Afrique de l’Ouest francophone », dit Diakité. « Si vous construisez quelque chose qui fonctionne pour les entreprises ivoiriennes opérant à travers l’UEMOA, vous avez une base qui peut s’étendre à l’ensemble de la région. » La newsletter continue après cette publicité. Touchez les acteurs qui font bouger l’écosystème technologique et commercial francophone. Faites de la publicité dans la newsletter hebdomadaire francophone de TechCabal et présentez votre marque aux décideurs, opérateurs, fondateurs et chefs d’entreprise qui comptent le plus pour votre croissance. Prêt à vous lancer ? Envoyez un e-mail à ads@bigcabal.com. 2. À la rencontre de l’équipe qui construit pour ce marché Source de l’image: JoonaPay Le directeur technique (CTO) de JoonaPay, Ben Ouattara, est Ivoirien et dispose d’une solide expérience en architecture fintech, ayant dirigé l’ingénierie de systèmes traitant plus d’un milliard de dollars de volume de transactions en Afrique de l’Ouest, selon ses propres dires. « Ben a construit à la fois pour des contextes de la Silicon Valley et d’Abidjan », a dit Diakité. « Les hypothèses d’infrastructure qu’un ingénieur de la Silicon Valley tient pour acquises ne tiennent pas toujours ici, et Ben a construit pour les deux. » Les deux se sont rencontrés dans la scène tech abidjanaise, et leur première conversation a contribué à définir la portée de l’entreprise. « L’arrivée de Ben a aidé à consolider le passage d’un agrégateur de paiements rapide à quelque chose de plus large »,
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Managing storage on an iPhone can be a struggle, especially as high-resolution media and sophisticated applications consume more data and storage than low-resolution files. When an iPhone reaches its storage limit, performance often slows down, and users find themselves unable to download essential updates or store new files. A few targeted adjustments to your settings can reclaim gigabytes of space. To find the most effective methods for clearing digital clutter, TechCabal spoke with Desmond Francis, a phone expert and salesman who runs Desontechhub, a gadget device store in Computer Village, Lagos. Francis shared that the process for clearing storage is universal across the ecosystem, noting, “It’s the same process for all the iPhones.” 8 ways to free up your iPhone storage 1. Reset all settings One of the most immediate ways to refresh a device is to reset the system configurations. Unlike a factory reset, this does not wipe your personal data like photos or contacts, but it can clear it. “When you reset all settings, all the things will not be deleted. Is boy, if you reset, it will actually reset some unnecessary things,” Francis said. Tip: Go to Settings > General > Transfer or Reset iPhone > Reset > Reset All Settings. Screenshot from an iPhone 12 Pro. Image source: TechCabal Screenshot from an iPhone 12 Pro. Image source: TechCabal 2. Delete old iMessages Text-based messages consume very little space, but years of attachments, stickers, and shared media within the iMessage service can result in massive storage consumption. Francis explained that all the iMessages that a user has received since the first day of use till date, “occupy a lot of space, and you might not need those messages. So you have to delete everything.” Tip: Open the Messages app, tap Edit, and choose Select Messages to remove large threads. Screenshot from an iPhone 12 Pro. Image source: TechCabal Screenshot from an iPhone 12 Pro. Image source: TechCabal 3. Automate message deletion If you do not want to manually clear your iMessage history, you can set your iPhone to handle it automatically after a set period. “You can go to settings, to turn on ‘keep message for just 30 days’, or ‘less than 30 days’, so as the message comes in, they can always be deleted,” Francis says. Tip: Go to Settings > Messages > Keep Messages and change the duration from Forever to 30 Days. Screenshot from an iPhone 12 Pro. Image source: TechCabal Screenshot from an iPhone 12 Pro. Image source: TechCabal 4. Remove unnecessary applications We often download apps for one-time use and forget they exist. These applications continue to occupy space and may even run background processes. Francis advises users to “delete unimportant and unnecessary applications on the iPhone.” Tip: Go to Settings > General > iPhone Storage to see which apps occupy the most space and delete those you no longer use. Screenshot from an iPhone 12 Pro. Image source: TechCabal Screenshot from an iPhone 12 Pro. Image source: TechCabal 5. Clear the Safari cache The Safari mobile browser stores data from every website you visit to speed up loading times. However, over time, this cache, which stores copies of the website data, becomes a burden on your internal storage. “You have to clear Safari caches,” Francis noted. Tip: Go to Settings > Apps> Safari > Clear History and Website Data. Screenshot from an iPhone 12 Pro. Image source: TechCabal This applies to any other browser you use on your iPhone. For instance, if you use Google Chrome, go to Settings > Apps> Safari > Clear History and Website Data. 6. Manage WhatsApp media and group chats WhatsApp, an app primarily for communication, has default settings that often lead to storage crises due to the sheer volume of shared media in group conversations. “Your image pictures and videos on unnecessary groups or on WhatsApp groups, you have to mute them. You also have to clear the chats on WhatsApp groups that have heavy photos or videos on them. You turn [the auto-download feature] off,” Francis said. Tip: In WhatsApp, go to Settings > Storage and Data > Media Auto-Download and set all options to ‘Never’. Screenshot from an iPhone 12 Pro. Image source: TechCabal Screenshot from an iPhone 12 Pro. Image source: TechCabal Screenshot from an iPhone 12 Pro. Image source: TechCabal 7. Delete duplicated photos and videos The photo library on an iPhone often fills up with nearly identical images, especially from multiple photo takes. Francis suggested that to free up space, users should “delete some duplicated videos and photos. Get rid of those things.” Tip: In the Photos app, go to ‘Collections’ > scroll down to ‘Utilities’> select ‘Duplicates’ to merge or delete identical media. Screenshot from an iPhone 12 Pro. Image source: TechCabal Screenshot from an iPhone 12 Pro. Image source: TechCabal 8. Clean up voice notes and mobile services Voice notes are frequently overlooked as a source of storage exhaustion, despite being heavy audio files. “Of course, unnecessary voice notes have to be deleted,” Francis said. Tip: Go to the Voice Memos App> Select “All recordings”> select the items you want to delete. Additionally, certain background services can be adjusted to prevent further accumulation of audio storage. Screenshot from an iPhone 12 Pro. Image source: TechCabal Screenshot from an iPhone 12 Pro. Image source: TechCabal
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