TANZANIA, Sept. 1 -- AFRICAS next financial inclusion challenge is not access to banking; it is access to expertise. Over the past two decades, the continent has rapidly expanded access to financial services.

Millions more individuals now operate bank accounts, execute digital transactions, and participate in formal banking channels than ever before. Yet financial access alone has not translated into broad-based wealth creation.

According to the African Development Bank, the continent faces an annual development financing gap exceeding $400 billion. While capital scarcity remains a key constraint, capital alone cannot close this deficit. Discussions surrounding Africas growth frequently center on funding shortages, while overlooking an ...