1、PAYMENTS IN AFRICA01 PAYMENT CORRIDORS IN SUB-SAHARAN AFRICABy David Robinson Head:Strategy Enablement,Payments,Transaction Banking,CIB FRICTIONLESS PAYMENTS By Ghairoonesa Moyce Head:Channel Management,Transaction Banking,CIB OPPORTUNITIES AND CHALLENGES IN THE AFRICAN PAYMENTS ARENA By Theresa van

2、 der Klooster Senior Manager,Strategy Enablement,CIB Africa MOBILE PAYMENTS:THE HEARTBEAT OF AFRICA By Sachin Shah Executive Head:Domestic Payments and Receivables,Transaction Banking,CIB PLATFORMS,ECOSYSTEMS AND PARTNERS By Kent Marais Head:Digital Experience Solutions,Transaction Banking,CIB OPTIM

3、ISING LIQUIDITY IN AFRICA By Brendon Bouwer Executive:Liquidity Management,Transaction Banking,CIB and Arcanjo Artur Executive:Portfolio Management,Transaction Banking,CIBCONTENTS020919253239Corporate&Investment Banking02 PAYMENT CORRIDORS IN SUB-SAHARAN AFRICANamibia03 2025|STANDARD BANK|PAYMENT CO

4、RRIDORS IN SUB-SAHARAN AFRICAAfricas economic transformation continues to gain momentum,in part driven by regional trade corridors,regional economic communities and regional payment systems that streamline the movement of capital,goods and services.The African Continental Free Trade Area(AfCFTA)prov

5、ides a powerful framework for eliminating trade barriers and fostering financial integration,while initiatives like the Pan-African Payment and Settlement System(PAPSS),East African Payments System(EAPS)and Southern African Development Community Real-Time Gross Settlement(SADC-RTGS)system enhance th

6、e efficiency of cross-border transactions.Despite these strides,Africa faces significant challenges,including infrastructure deficits,political instability,currency fragmentation,currency liquidity,discordant regulation and financial exclusion.Regional economic integration,regional economic communit