Nigeria, July 27 -- Ten years ago, opening a bank account on your phone, getting instant payments, or buying goods without cash in remote areas seemed out of reach. Now these are everyday experiences for millions of Africans. What comes next could be even more transformative.

We are moving into a time when payments will become less visible, not because they matter less but because they will be woven more deeply into our daily lives, work, and business. Soon payments will go beyond simple transactions and act as a hidden link between commerce, technology, and economic opportunity.

Artificial intelligence, embedded finance, blockchain, and new types of digital commerce are already changing how people and businesses handle money. Consumers...