Yesterday in Abu Dhabi, CoSSE and ADX signed an MoU to explore connecting SADC capital markets to the ADX Tabadul Hub. An important step towards linking Southern Africa’s increasingly integrated capital markets with global pools of capital. Connecting markets. Connecting capital to opportunity

Pleased to represent CoSSE at an important capital markets engagement with Mr Aliko Dangote and his team, alongside the Botswana Stock Exchange. Exciting discussions on unlocking Southern Africa’s capital and advancing regional market integration. #CoSSE #SADC

On 26 August, I have the honour of joining some of the region's top capital voices and investors at the inaugural Zimbabwe Future Capital Forum. My fellow distinguished panelists and I will be unpacking how alternative trading platforms and fintech are widening investor participation in capital markets. Join me for this and other future-forward capital market discussions at The Hyatt Regency, The Meikles. View more and register at: apievents.com/zimbabwe-futur…

Vision & Leadership Leading Escrow Group has taught me one clear lesson: technology alone doesn’t transform markets — people do. Our mission is not just to deploy fintech systems, but to empower regulators, investors, and communities to trust and embrace them. Every product we build, from C-REG registry solutions to C-TRADE to FINSEC Tokenised Asset Market trading platform, is about one thing: creating a fair, transparent, and inclusive financial ecosystem. I believe the next wave of global fintech leaders will come from Africa - already projected to expand thirteenfold to reach $65 billion by 2030. Do you agree? #Leadership #FintechAfrica #FutureOfFinance @Escrow_Group @CTRADEmobile @FINSECZim @ZMXExchange @CorpserveZambia @CorpserveZim

Cross-border Trade African farmers feed the continent — but often miss out on the benefits of regional and global markets. It is estimated that about 22% of African agricultural trade takes place among African nations (compared to 38% in North America, 60% in Asia, and 70% in the EU. Digital commodities exchanges can change that for Africa. By enabling transparent trading, digital settlements, and integration with cross-border systems, technology can: ü Connect farmers to new buyers regionally and globally ü Unlock fair pricing through better price discovery ü Strengthen Africa’s role in global agricultural trade At Escrow Group, we believe the future of commodities is digital, connected, and borderless. 💡 When African farmers trade globally, the entire continent grows. #Commodities #CrossBorderTrade #AgriTech @Escrow_Group @FINSECZim @CTRADEmobile @CorpserveZambia @ZMXExchange @CorpserveZim

Commodities & Farmers Agriculture is the backbone of many African economies. It is estimated that the sector concentrates massive fractions of the labour force, accounting for roughly 50% of total employment in Sub-Saharan Africa alone. In many low- and middle-income countries on the continent, it serves as the single largest contributor to livelihood security. Yet farmers often struggle with access to finance and fair markets. However, through well-structured commodity exchanges and Warehouse Receipt Systems, farmers can unlock value from their harvests, access credit, and connect with broader markets. When farmers thrive, nations thrive. ü Technology can turn commodities into prosperity. #AgriTech #CommodityMarkets #AfricaRising @Escrow_Group @ZMXExchange @FINSECZim @CorpserveZim @CorpserveZambia

The Role of Technology in Commodities Across Africa, farmers often struggle with access to finance and fair markets. The African Development Bank (AfDB) estimates that there is a $75 billion annual financing gap specifically for smallholder farmers in Africa. However, Warehouse Receipt Systems (WRS) are changing that story. By digitising storage, receipts, and settlement, WRS solutions give farmers: ü Proof of ownership for stored produce ü Access to financing from banks and MFIs ü Better bargaining power and price stability At Escrow Group, we’ve seen how WRS can transform food security and farmer livelihoods. When technology empowers agriculture, it empowers nations. 💡Technology is not just modernising commodities — it’s safeguarding Africa’s food future. #AgriFinance #CommodityMarkets #FoodSecurity @Escrow_Group @ZMXExchange @FINSECZim @CorpserveZim @CorpserveZambia @CTRADEmobile

Emerging Trends The future of African finance will be shaped by AI, blockchain, and digital IDs. The AU’s digital strategy emphasises building a Digital Single Market by 2030, where AI-driven services can scale across borders to benefit the continent’s young, rapidly expanding labor force AI → driving smarter risk management and customer engagement Blockchain → ensuring trust, transparency, and efficiency in transactions Digital IDs → enabling secure, inclusive access for millions who are currently excluded In fintech, we see these as tools, not buzzwords — technologies that, when tailored to African realities, can transform capital markets, banking, and commodities trading. 💡 The real opportunity lies in combining innovation with local context. What trend do you believe will impact African financial services the most in the next 5 years? #EmergingTech #AI #Blockchain #DigitalFinance @Escrow_Group @FINSECZim @CTRADEmobile @ZMXExchange @CorpserveZim @CorpserveZambia

Digital Transformation in Banking The World Council of Credit Unions (WOCCU) says there are 29,181 credit unions (SACCOs) registered across Africa as of the end of 2024 with 46.3 million people and managing about $13.6 billion in total assets. These play a vital role in giving people access to credit and savings. But many still rely on manual systems that limit efficiency and growth. That’s where fintech steps in. As digital tools evolve, there is growing opportunity to streamline operations — from loan management and savings administration to credit assessment and mobile access — helping institutions serve their members more effectively. The result? · Faster service · Lower costs · Wider financial inclusion 💡 When technology strengthens community-based finance, entire economies benefit. #DigitalTransformation #BankingInnovation #FintechAfrica @Escrow_Group @CorpserveZim @CorpserveZambia @CTRADEmobile @FINSECZim @ZMXExchange

Financial Inclusion Stories Financial inclusion is more than a buzzword — it’s a path to empowerment. From a rural investor in Zimbabwe buying shares via C-TRADE, to an institutional player in Nairobi managing portfolios on Escrow-built platforms, one principle drives our work: no one should be left behind. Inclusive design means: Ø Mobile-first platforms Ø Multilingual interfaces Ø Affordable access for small and large investors alike Because when every citizen can participate, our markets become deeper, stronger, and more resilient. Financial inclusion is not optional. It’s essential. #Inclusion #CapitalMarkets #FintechForAll @ZMXExchange @Escrow_Group @CorpserveZim @CorpserveZambia @FINSECZim @CTRADEmobile

Fintech Built in Africa Too often, fintech solutions are imported into Africa. But Africa’s challenges require Africa-born, Africa-fit technology. At Escrow, we design mission-critical systems — like C-PAY for SACCOs and MFIs — that respond to the realities of our markets: mobile-first, cost-conscious, and inclusion-driven. The results speak for themselves: communities gain access to savings, loans, and digital tools that were once out of reach. The lesson? Local innovation builds sustainable solutions. #Fintech #FinancialInclusion #MadeInAfrica @ZMXExchange @Escrow_Group @FINSECZim @CTRADEmobile @CorpserveZim @CorpserveZambia

SMEs & Growth Capital Africa’s SMEs are engines of growth— but too many are starved of capital. That’s why we created the GEM Portal: a digital platform where enterprises can apply for funding, get rated, and connect with investors. Ø For SMEs, it means easier access to capital. Ø For investors, it means confidence through structured data and transparent processes. Ø For markets, it means sustainable growth from the ground up. This is how technology unlocks opportunity. Ø When SMEs thrive, Africa thrives. #SMEs #GrowthCapital #DigitalFinance @Escrow_Group @ZMXExchange @CorpserveZim @FINSECZim @CorpserveZambia