East Africa did not wait for permission to reinvent finance. Mobile money reached the unbanked before the banks did, and a generation of fintechs has been building on that foundation ever since. We advise banks, microfinance institutions, insurers, payment companies, and lenders across the spectrum, from the regulated incumbents to the founders writing the next chapter. Our people have sat on trading desks and inside credit functions, so we know these businesses from the inside rather than the brochure.