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Digital payments and the SME gap

Consumer payment adoption in Rwanda has outpaced business-to-business settlement. That gap is where a number of member businesses are now building.

15 Oct 2025 · 5 min read

Rwanda's consumer payment landscape has changed quickly. Business-to-business settlement has not kept pace, and much of it still runs on bank transfer and cash.

For Indian technology firms with experience of a comparable transition, the parallels are instructive — and the addressable problem is well defined.

This note sets out where the friction currently sits and which segments are most ready for change.