Tinubu asks Senate to amend Finance Act to tax banks’ FX gains of ₦2 Trillion
Nigeria’s President Bola Tinubu has asked the National Assembly to amend the 2024 Finance Act to tax the unrealised forex (FX) gains of traditional banks to fund capital infrastructure development, education, healthcare, and welfare projects. Nine of Nigeria’s leading banks recorded over ₦2 Trillion in FX gains for the first nine months in 2023 after the Central Bank floated the naira and unified the multiple exchange rate markets. In September 2023, the CBN barred commercial banks from using those gains to pay dividends or meet operating expenses. The one-time windfall tax is part of a proposed amendment to the Finance Bill which the president seeks to increase by ₦6.2 trillion, according to a letter to lawmakers on Wednesday. The proposed tax is part of the Tinubu administration’s plan to boost revenue collection to fund his Renewed Hope agenda, which hopes to lift 100 million people out of poverty. Nigeria’s tax collection agency Federal Inland Revenue Service, expects to increase revenue by 57% in 2024, Bloomberg reported in January. Nigeria has one of the lowest tax-to-GDP ratios in the world. In January 2024, President Tinubu signed the ₦28.7 trillion 2024 budget into law. Now the president wants the National Assembly to approve an additional ₦6.2 trillion: ₦3.2 trillion to fund infrastructure projects and ₦3 trillion for recurrent expenditure. *This is a developing story
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Norrsken-backed Startbutton makes market entry easy for startups eyeing global expansion
Ansoff’s matrix, a two-by-two matrix burned into the minds of business students, provides four options for a company chasing growth. One is market development, which takes existing products to new markets. While Ansoff’s matrix shows market development isn’t high risk, it comes with problems. One such challenge is that because startups don’t want to dive headlong into these new markets, they may treat these new markets as experiments. This test-the-water approach means they may not want to register an entity in these new markets just yet, which in turn means accepting payments will be impossible. What if you could sell your products, accept payments and pay taxes without incorporating a new entity in those markets? That’s the fundamental pitch of Startbutton, a Norssken-backed startup founded in 2023 by Malick Bolakale, a former compliance lead at Paystack, and Kelechi Oti, an ex-Microsoft engineer. Startbutton is what finance folks call a merchant of record, a company that helps you sell your products in foreign markets, take payments, and sort out tax obligations. It will take on all liabilities, too (think customer refunds, for instance), all for a small fee. Startbutton claims it processes around $300,000 monthly, earning a 1% transaction fee on every transaction and a 0.5 – 1% fee on FX transactions. Most of its customers are in the aviation, gaming, and e-commerce sectors in over 20 countries. “We intend to start first with digital commerce and move to physical goods subsequently.” In its journey to continental domination, Startbutton will compete with Klasha, dLocal, Flocash, and Kyshi, which offer similar services in Africa’s $1.5 Trillion B2B payments marketplace. While its competitors help startups receive global payments and settle local transactions, Startbutton offers added services like tax settlement, regulatory compliance, and fraud protection. Bolakale believes the startup’s grasp of compliance sets it apart from competitors. The startup is in Nigeria, Ghana, Kenya, Rwanda, and South Africa and plans to expand into Tanzania, Egypt, and parts of Asia. Like many startup ideas, Startbutton was born from a problem its founders encountered. “When I started working at Paystack, the problem became more apparent. We couldn’t work with foreign companies without local entities,” said Bolakale. “It was clear we had a product that pan-African businesses need and could scale globally.” Per Bolakale, Startbutton primarily serves B2B businesses in aviation, gaming, and e-commerce across businesses in over 20 countries. “We intend to start first from digital commerce and move to physical goods subsequently.” Have you got your early-bird tickets to the Moonshot Conference? Click this link to grab ’em and check out our fast-growing list of speakers coming to the conference!
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Before you buy the Tecno Pop 7 (BF6)
The Tecno Pop 7 [BF6] is an entry-level smartphone emphasising affordability and essential features. This analysis examines the device’s strengths and weaknesses based on its specifications. Battery life and charging The Tecno Pop 7 boasts an expansive 5000mAh battery, promising prolonged usage between charges. Claims of enduring 12 hours of gaming, 25 hours of video playback, and a remarkable 124 hours of music enjoyment are noteworthy for a device in this category. However, real-world performance may differ based on usage patterns. Including a 10W Type-C charger in the box is commendable, though charging speeds might be comparatively slow compared to faster-charging technologies of more expensive Androids. Camera capacity The 13MP AI Dual Rear Camera, featuring an f/1.85 aperture and dual flashlight, is a notable asset for the Pop 7. It suggests enhanced low-light photography and improved image quality. The presenceof AI modes like Portrait, HDR, and Time-lapse is welcome, potentially elevating photographic experiences. Nevertheless, the camera system’s actual performance necessitates evaluation under diverse conditions. Display and design The Pop 7 exhibits a 6.6″ HD+ Dot-Notch display with a 90% screen-to-body ratio, offering a relatively immersive viewing experience. The 120Hz touch sampling rate promises smoother interactions. The IPX2 splash resistance is a practical addition, providing basic protection against water splashes. The device’s square-shaped design and fingerprint sensor are subjective preferences, varying based on individual taste. Performance and storage The Tecno Pop 7, equipped with up to 4GB of RAM and 64GB of ROM, the Tecno Pop 7 aims to deliver smooth performance and adequate storage. The underlying processor and software optimisation will determine the device’s capacity to handle multitasking, and demanding applications will be determined by the underlying processor and software optimization. Expandable storage support is a valuable inclusion. Tecno Pop 7 Affordability With a price range of ₦96,000 to ₦110,000 on e-commerce platforms like Jumia, the Pop 7 is positioned as a budget-friendly option for consumers seeking a basic smartphone. Final thoughts before you buy the Tecno Pop 7 (BF6) The Pop 7 presents a combination of appealing features for its target market. Its substantial battery life, camera capabilities, and display are potential strengths. However, performance, camera quality, and overall user experience demand hands-on evaluation to form a definitive conclusion. Prospective buyers should consider their specific needs and priorities before purchasing.
Read MoreExclusive: Mobility startup LULA acquires Zeelo’s South African subsidiary
LULA, a ride-sharing platform for office workers, has acquired the South African subsidiary of US-based staff bus-sharing startup Zeelo for an undisclosed amount. Both companies declined to disclose the specifics of the cash-only deal. Zeelo, which launched in South Africa in 2019 and has raised $33 million, is leaving the country to focus on its US, UK, and Ireland markets. Until its exit, Zeelo completed more than 2 million rides annually in South Africa. LULA will use Zeelo’s footprint of over 18,000 riders to expand across the country. Transportation is the biggest work-related expense for South Africans, according to data by Statistics South Africa. Workers spend an average of R2,180 ($121) when they use their cars and R960 ($53) if they use taxis. Platforms like Uber for Business, MoveInSynch and LULA currently enable employers to reduce this cost for employees. With the acquisition, LULA hopes to gain a larger market share. Founded in 2018 by Velani Mboweni and Xabiso Nodada, LULA operates in five cities in South Africa and claims to have completed 700,000 rides for over 380 companies. The company also has over 1,000 registered drivers and shuttle fleet operators. LULA does not own the vehicles but partners with individual drivers and shuttle fleet operators to provide the rides for a commission ranging from 20% to 40%. Through the revenues generated from Zeelo’s operation, Lula will also become cashflow positive, allowing it to “scale smart, rather than scale fast” according to Mboweni. “The decision to exit the region was a challenging one [but] we are excited to support the transition of our customers and suppliers to the LULA platform,“ said Sam Ryan, founder and CEO of Zeelo.
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👨🏿🚀TechCabal Daily – E-SIMs are coming to Egypt
In partnership with Share this newsletter: Lire en Français اقرأ هذا باللغة العربية Good morning Nigeria’s red-hot neobanks are booming, but they can’t reach everyone without a secret weapon: banking agents. These agents are like walking branches, bringing financial services directly to communities. But it’s not just about convenience—agents are making a killing selling debit cards with a 90% profit margin! This unique partnership is crucial for both sides, but is it sustainable? Dive deeper and see why Nigerian neobanks and banking agents need each other to thrive. In today’s edition Is Maxoko here yet? Egypt to introduce e-SIMs in two months South Africa is getting smarter IDs and passports Ethiopia and UAE sign local-currency swap worth $817 million The World Wide Web3 Opportunities M&As Are we going to finally see the Wasoko and Max AB merger? Mbappe has finally been unveiled as a Real Madrid player. Over the years there has been uncertainty over the move, with football fans across the world constantly monitoring the news in every transfer window to see if the deal had happened. You’ll certainly feel the same way if you’ve been following the news about the proposed merger between two of Africa’s largest e-commerce startups, Kenyan’s Wasoko and its Egyptian counterpart, Max AB. We first published news of the merger in December 2023. After a reported fallout between both companies, talks about the merger are starting to pick up again. Yesterday, one publication reported that Wasoko and Max AB merger could happen in a few weeks. The merger which will create a new entity named Maxoko has a clear promise: creating an e-commerce leader with sufficient runway. If finalised, the merger will be one of the biggest on the continent, and the new entity will have over 450,000 merchants serving over 65 million consumers in eight African countries. The deal which was expected to have finalised by Q1 2024 stalled due to extended due diligence, per TechCrunch. Wasoko also refused to share its merger plans with employees for over six months, fearing that leaks could jeopardise the deal. While other parts of the deal have been agreed (Wasoko will own 55% of the new entity, and 45% will go to MaxAB, overlapping areas of both businesses have been streamlined through layoffs), only one question remains: when will “Maxoko” finally be unveiled? Read Moniepoint’s 2024 Informal Economy Report 90% of businesses in Nigeria’s informal economy earn less than N500,000 in monthly profit. Click here to explore the financial profile of Nigeria’s informal economy from Moniepoint’s latest report. Telecoms Egypt to introduce e-SIMs in two months eSIMs have been around since 2016. When it was introduced, it was touted to replace physical SIM cards quickly. This prediction is yet to come to pass. As of 2023, there were only 986 million eSIMs connected, with most in European and American countries. However, like most new technologies, eSIMS only made its way into Africa in 2019. In fact, Airtel only launched its eSIM service in 14 countries in February 2023. But it’s not all gloom. Egypt has announced that it will join 18 other African countries to provide eSims to mobile subscribers. Egypt’s minister of communications, Amr Talaat, noted that government-owned Telecom Egypt and other telcos plan to launch eSIMs by Q4 2024. The only thing left is the approval of the government regulator, the National Telecom Regulatory Authority (NTRA). One e-SIM to access them all: Egypt’s eSim plan is unique because it will allow interoperability with all four major telcos operating in the country. Talaat says that these e-SIMs will allow smartphone users to switch between telecom operators without needing to remove or exchange SIM cards in their phones. This is bound to increase competition for the telecoms market in Egypt. Users will likely see a drop in data prices as the four major telecoms strive for user attention. Switching costs become lower. Furthermore, Egypt is set to launch a mobile 5G network after Telecom Egypt, in partnership with Nokia, obtained the country’s first 5G licence. This is timely as the 5G network, used in e-SIMs, will offer faster internet speeds. Join Fincra at API Conference on July 20, 2024 Calling all devs!! This is your chance to dive deep into Fincra’s extensive suite of payment APIs and accompanying SDKs. Come and see how you can build your next big idea with easy-to-integrate APIs. Reserve your spot here! Economy South Africa is introducing new smart IDs South Africans are getting “smarter” Smart ID cards to strengthen their fight against passport fraud which has haunted the country since 2022. “Lebogang Ndlovu from Bangladesh,” is an inside joke for the scam that rocked South Africa in 2022. A Pakistani citizen, Arfan Ahmed, was caught issuing fake South African passports to Pakistani and Bangladeshi citizens to travel to South Africa. Corrupt officials in the government arranged for South African locals to sell their identity to these foreigners. The crackdown led to the arrest of the culprits and the sacking of 12 government agents. The case resurfaced again in June last month after Ahmed was sentenced to 18 years imprisonment for allegedly bribing government officials. Now, passports are getting smarter: Following the development, newly appointed Democratic Alliance (DA) Home Affairs minister, Leon Schreiber, says South African smart IDs and passports will be encrypted with additional security features to prevent identity theft and ensure the biometric data and photograph of the passport handler matches. In his address, Schreiber said, “Both the passport and smart ID card will be refreshed and updated in order to enhance the security features of these documents, with the aim of building trust by more countries and organisations worldwide.” Smart IDs were introduced in 2013 to replace the old green ID books. But it seems the development has only compounded the woes of South Africans. The country could learn a thing or two from Ethiopia’s Fayda ID which hasn’t reported a passport fraud case since 2016. Paystack Virtual Terminal is now live in more countries Paystack Virtual Terminalhelps
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A profitable union: How banking agents helped OPay and Moniepoint distribute 17 million cards
Nigerian neobanks and banking agents need each other. The agents are the neobanks’ branches; they open accounts, accept deposits, process withdrawals, and issue cards. In return, the agents—who often have a primary business—earn extra income. This relationship is crucial because neobanks use the credibility of these agents, who have close relationships with their communities, to distribute 17 million debit cards. The agents help the fintechs meet “customers at the point of their need,” an OPay spokesperson told TechCabal. OPay and Moniepoint, arguably Nigeria’s two biggest neobanks, sell cards to agents for ₦100, who then sell the cards to customers for ₦1,000, a 90% profit margin. Agents also receive branded materials to advertise the cards. Moniepoint began distributing cards when it entered the retail banking space in August 2023, two years after Opay. “There’s no business we do with these companies that we don’t see profit,” said Mr. Duke, a POS agent in Ketu. The dynamics of this relationship—where agents make a profit on each card sale—make card distribution expensive. And while cards are costly for fintechs, they have historically been great for customer acquisition. Agents get cards by applying online or building relationships with card distributors who offer cheaper rates than the online channel. Card distributors are contract staff employed by the neobanks to sell cards to agents. Other agents without a relationship with card distributors must visit the fintechs’ offices to get cards, which translates to a higher cost due to transportation fees. While some fintech customers can get their cards from their bank by applying through apps, this option is unavailable to customers who use feature phones. They rely on cards for transactions since feature phones cannot support apps for online transactions. “The card is the only channel they use to access their account,” an employee at a fintech company told TechCabal. “The reason people get cards from us is either that they do not have time to go to the fintech office or they cannot register the cards themselves. They need the cards to perform transactions without a smartphone,” a POS agent in Mile 12 told TechCabal. Nigeria has about 1.5 million POS agents scattered across the country, but only a few distribute cards due to additional capital requirements and not everyone finds success selling them. “We sell about three cards per week; the cards do not move fast,” an agent in Ketu who has sold 69 Opay cards said. Card sales depend on location; agents in residential areas sell fewer cards than those in markets. Mr. Duke sells an average of 20 cards weekly, which he credits to his stall at the busy Ketu bus stop. While card sales dropped during the six-week ban on onboarding new customers imposed on fintechs by the central bank, card sales have returned to similar levels before the ban. “Customers need the cards, and the fintechs need us to sell the cards. I don’t see this relationship ending anytime soon,” he said. Exclusive: How a six-week freeze on customer onboarding slowed card demand for OPay and Moniepoint Have you got your early-bird tickets to the Moonshot Conference? Click this link to grab ’em and check out our fast-growing list of speakers coming to the conference!
Read MoreSwedfund grants Access Bank Nigeria $30 million loan to support SMEs
Swedfund, a Swedish development finance institution, extended a $30 million loan to Access Bank, Nigeria’s biggest bank by assets, to support small and medium-sized enterprises (SMEs) in Nigeria. The loan is part of a $295 million syndicate led by Dutch development bank FMO. “Access Bank, known for its strong market presence and with a committed MSME strategy, serves as an effective partner to reach MSMEs in need of financing in Nigeria,” Kitanha Toure, Regional Director of West Africa at Swedfund said in a statement. “This facility not only enhances our capital reserves, but also strengthens Africa’s trade capabilities and export potential,” said Roosevelt Ogbonna, MD/CEO of Access Bank Plc, at a signing event held in Hague, Netherlands. “Putting these funds to use, we aim to catalyse growth across various sectors, stimulate business development, create jobs, and deepen financial inclusion.” The $30 million commitment is the third of its kind arranged by FMO for Access Bank, reflecting a shared commitment to boost Nigeria’s local economy and provide jobs. In 2018, the lender secured $10 million as part of a $100 million loan arrangement. The syndicate was arranged by European Development finance institutions FMO, Proparco, Norfund, and Finnfund. Informal businesses estimated to be nearly 40 million are the backbone of Nigeria’s economy, accounting for roughly 90% of jobs. These businesses contribute over 45% to the country’s gross domestic product (GDP). Micro businesses make up a staggering 98.8% of this vast network. “Access Bank is eligible to meet the 2X Criteria, a global baseline standard for gender finance, and recognised as the best SME bank for women entrepreneurs in Africa,” the statement read in part. Access Bank has supported small businesses in Nigeria. In November 2023, the bank planned to target four million small businesses in total. This year, it increased its Micro, Small, and Medium Enterprises (MSMEs) loan scheme from N30 billion to N50 billion. Swedfund, with a focus on empowering women in sub-Saharan Africa, recently ventured into Cote d’Ivoire. In February 2024, the fund invested in West African financial services firm Teyliom Finance to support female entrepreneurs in the country.
Read MoreFood delivery apps are saving $100,000 yearly by choosing cheap communication apps
Margins are slim in the food delivery business. Whether it’s a cloud kitchen like Food Court, a restaurant aggregator platform like Chowdeck, or a restaurant that handles its delivery, getting food to customers is pricey. To build sustainable businesses, food delivery apps expand revenue streams and keep operational costs low. Startups like Chowdeck, Glovo, and HeyFood have expanded beyond restaurants to onboard malls and local markets. Beyond growing revenue, these companies keep an eye out for cost-saving opportunities. In 2023, one food delivery platform saved over ₦40 million monthly in operational expenses by moving its drivers off the work messaging app Slack. Over 1,000 of the company’s drivers communicated with supervisors on Slack. They’re not copycats, they’re smart iterators While it’s unclear exactly how much the company paid, the cheapest plan on Slack costs $8.75 per user monthly. If the startup used the Pro plan, back-of-the-napkin math suggests a monthly fee of $11,000 and $136,500 annually for the 1,300 drivers it had at the time. “We were adding new drivers by the day,” a rider supervisor at the startup told TechCabal. “I think that is why we moved the drivers off Slack.” Their current rider count nearly tripled, and communication costs on the same plan would have hit over $26,000 monthly and about $315,000 annually. This is a nightmare for a venture-backed startup earning naira revenue. The company eventually moved to Zoho Cliq in mid-2023, one person familiar with the matter said. Zoho Cliq bills ₦864 per user, translating to a monthly cost of ₦1.1 million and ₦13.4 million annually for 1,300 drivers. The change has gone unnoticed among drivers who use the apps to communicate with supervisors. “Now, only rider supervisors are on Slack,” the supervisor said. “[On Zoho] we have channels based on regions, and it works well for communication,” said one delivery rider in the Gbagada area. His channel on Zoho Cliq has about 200 other riders. Riders also use WhatsApp to communicate when app responses are delayed, share problems encountered during delivery, make leave requests, etc. These WhatsApp groups are according to zonal operations, just like their channels on Zoho Cliq. Despite these operational adjustments, the food delivery startup’s driver communication spending dwarfs that of its competitors. For instance, another competitor’s over 2,000 delivery drivers use the free social platform Telegram for communication in addition to the customer support messaging on the delivery app. “If we need to voice personal concerns related to work, we can also speak to our supervisors in person,” Emmanuel, the rider, told TechCabal. Although relatively expensive compared to competing startups, the company boasts that each delivery is profitable. “We are not the cheapest food delivery service, but we are the most efficient,” an executive at the company once boasted.
Read MoreSeychelles, South Africa rule Africa’s blockchain roost with 95% of funding
Seychelles and South Africa accounted for 95% of venture funding in the blockchain industry in Africa in 2023, suggesting that both countries have emerged as hubs for blockchain innovation and investment on the continent. Only five African countries contributed to the total $135 million in funding. Seychelles blockchain startups raised $100 million from six deals while South African startups raised $29 million from 4 deals, according to the CV VC Africa Blockchain report. Seychelles has led blockchain funding in Africa for six consecutive years. “South Africa and Seychelles are two of the six markets where crypto is legal in Africa and regulatory assuredness is important for investment in [blockchain startups],” Brenton Naicker, principal and head of growth of CV VC told TechCabal. Despite the easing of crypto regulations across the continent, crypto is still banned in 12 countries, and 36 more countries have “uncertain” regulatory frameworks, per the CV VC report. Seychelles startups that raised funding in 2023 include Beldex, which raised $28 million, crypto exchange Bitget, which raised $10 million, and Scroll, which raised $83 million. In South Africa, Momint raised $2.7 million, while NFTfi secured $18 million. Despite the dominance of Seychelles and South Africa, other markets, including Nigeria, are on the rise. In H1 2024, Nigerian startups raised $13 million in funding from five deals, accounting for 38% of total funding by African startups. Some funded Nigerian blockchain startups include fiat-to-crypto exchange Zap Africa and real estate tokenisation startup Seso Global which have raised $300,000 and $720,000, respectively.
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Next Wave: AI is not a product
Cet article est aussi disponible en français <!– In partnership with –> <!–TopBanner Join us for TechCabal Battlefield, Moonshot’s startup competition where you can showcase your startup idea to a global audience and an esteemed panel of judges and stand a chance to win up to 2.5 million naira in funding for your business! Click to register for TC Battlefield First Published 14 July, 2024 Artificial intelligence (AI) has captured investors’ imaginations, with funding for generative AI skyrocketing 260% in 2023. Some of these investments are directed towards building or funding “artificial intelligence startups”, an approach that is problematic because it promotes the idea that AI is a standalone product. The investment opportunity in AI—projected to reach $200 billion for AI servers by 2025—indicates a significant shift towards embedding AI into products, rather than developing AI as an isolated product. Critics insist that AI does not offer any special solution to any problem. What, they wonder, is the marked difference between Gemini, ChatGPT or Meta AI, for instance? This article summarises it well: “Unlike previous waves of technology, such as the Internet, which had an immediate and obvious impact on the economy, AI does not actually allow anyone to do things that were not before possible.” Our current AI excitement phase can be likened to the dot-com bubble decades ago, when investors backed internet startups during a period of low-interest rates. When the rates spiked, several of those companies shut down after operating with unsustainable economics. The successes of ChatGPT has generated profound influence not only on tech sectors but in the evolution of AI technology. Many investors, not wanting to miss out, have rushed to fund AI projects. This path will course-correct very soon when investors start withdrawing investments after realities of profitability become clearer. The AI bubble has been foreshadowed to burst before 2026. Partner Content: Read: Kotani Pay obtains a CASP licence in South Africa here. Sam Altman, CEO of OpenAI, owner of ChatGPT, has made remarks setting realistic expectations of the abilities of ChatGPT, describing GPT-4 as “sort of like a brainstorming partner”. A brainstorming partner is getting Google Docs or Grammarly to suggest apt phrases for you. The best use case for this partner is as a feature, add-on or plug-in. All familiar things to us. Till date, several screaming headlines have touted AI as the harbinger of mass unemployment, echoing anxieties that this “new” technology will render human jobs obsolete. A McKinsey report acknowledges this fact. However, AI is unlikely to trigger mass unemployment; product development and service operations are the primary job functions to be affected by AI. The aforementioned McKinsey report also states that several businesses are adopting AI only in one aspect of their operations, not every part. Manufacturing industries like aerospace, automotives, and advanced electronics, are expected to see less disruption. In essence, not everyone’s jobs are at risk. Next Wave continues after this ad. GrowthCon is back bigger & better! Come explore proven strategies, tactics & success stories of growth & innovation in Africa via curated masterclasses, workshops & case studies led by top growth leaders. This year also includes the Executive Track, exclusive to business leaders & senior execs. Get your tickets now! The future can be better when AI streamlines tedious tasks in productivity suites, personalises healthcare recommendations, or even enhances customer service interactions. While these advancements will not dramatically alter daily living, they will at least give it a facelift. Partner Content: Read: Payaza rebrands with a new logo and renewed vision here. Joseph Olaoluwa, Senior Reporter, TechCabal. Feel free to email joseph.olaoluwa[at]bigcabal.com, with your thoughts about this edition of NextWave. Or just click reply to share your thoughts and feedback. We’d love to hear from you Psst! Down here! Thanks for reading today’s Next Wave. Please share. Or subscribe if someone shared it to you here for free to get fresh perspectives on the progress of digital innovation in Africa every Sunday. As always feel free to email a reply or response to this essay. I enjoy reading those emails a lot. TC Daily newsletter is out daily (Mon – Fri) brief of all the technology and business stories you need to know. Get it in your inbox each weekday at 7 AM (WAT). Follow TechCabal on Twitter, Instagram, Facebook, and LinkedIn to stay engaged in our real-time conversations on tech and innovation in Africa. If you liked this edition of Next Wave, please share with your friends. And feel free to reply with thoughts and feedback. We welcome those. 18, Nnobi Street, Surulere, Lagos, Nigeria View in Map You received this email because you signed up on our website or made purchase from us.If you know longer wish to recieve these emails, please unsubscribe
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