Genuine financial inclusion is vital if we are to bring millions of unbanked and underserved communities in Africa into the mainstream economy.

This doesn’t just benefit the communities, it has a knock-on effect for economies, regions and the continent.

Financial services are tightly regulated, and this presents a challenge for fintech's, how do you innovate while working effectively within differing regulatory frameworks on the continent?

While these frameworks may differ substantially, there are common barriers fintech's need to overcome.

To help us unpack this we joined on the line by Nikki Kettles, Executive: Licences and Payments Regulation at Mukuru.