Fintech guides and articles

10 articles from eSMS Africa about fintech. Newest first.

• Digital Lenders in Kenya: Compliant Loan Reminder SMS What the CBK Digital Credit Providers Regulations 2022 mean for reminder, receipt and credit bureau SMS, with a full message sequence and an automation example. Guide· 9 min read
• OTP for Nigerian Fintechs: Transactional Route, Device Binding and Fraud Controls Send OTPs on a transactional sender ID, word them so customers cannot be talked out of them, and block SMS pumping. A practical guide for Nigerian wallets and lenders. Developers· 9 min read
• Fintech SMS in Rwanda: OTP, MoMo receipts and BNR consumer-protection rules A practical map from BNR Regulations 55/2022 and 56/2022 to the SMS a Rwandan wallet, lender or payment app should send, with OTP design tips and templates. Guide· 8 min read
• OTP and Receipts for Tanzanian Wallets and Lenders BoT's GN 298 of 2025 requires fee disclosure before every electronic transaction and consent for promotions. OTP, receipt and reminder templates for Tanzanian wallets and lenders. Developers· 8 min read
• OTP and Payment Receipt SMS for Ugandan Fintechs on MTN and Airtel The rules behind OTP and receipt SMS in Uganda, from the NPS Act 2020 to UMRA's digital lending guidelines, with templates and tips for delivery on MTN and Airtel. Developers· 9 min read
• Payment receipts and fee notices for Zambian e-money apps How Zambian wallets and payment apps can meet BoZ's 2023 e-money directives and 2024 rules on unwarranted charges with clear SMS receipts, fee notices and failure messages. Developers· 8 min read
• CBN's 2026 Mobile Banking Security Rules and SMS OTP: A Fintech Guide The CBN's 2026 circular requires MFA for limit changes and one active device per banking app. Here is where SMS OTP fits as a possession factor, with a device-binding flow you can build today. Developers· 7 min read
• OTP for fintech apps in Zambia: sender IDs, routing and fallbacks How to send OTP for mobile money and fintech apps in Zambia: sender ID rules, routing across Airtel, MTN and Zamtel, fallbacks, fraud defences and a working eSMS Verify code sample. Developers· 7 min read
• SMS for Fintech in Africa: OTP, Alerts and Trust How African fintechs use SMS for OTP, transaction alerts and account notifications - and why direct routes and sender IDs matter. Industries· 1 min read
• How African Fintechs Use SMS OTP to Prevent Fraud From KYC onboarding to transaction approval, SMS OTP is how African fintechs stop fraud before it starts. Here's how it works. Insight· 1 min read