Fintech Intelligence

💳 Gambia Fintech Ecosystem

Startups, mobile money operators, regulatory framework, training programmes, and interoperability infrastructure.

Fintech Operators & Startups

Ping Money
Active
Remittance & Payments

Cross-border mobile money from UK/US/EU directly to Gambian wallets. Zero-fee P2P transfers.

CashUp (CASHUP App)
Active
P2P Payments

Gambian P2P payment app. Instant transfers, utility bills, merchant payments.

Wave Mobile Money
Active
Mobile Money

Zero-fee P2P transfers. The disruptor of traditional mobile money pricing in West Africa.

QMoney (Qcell)
Active
Mobile Wallet

Qcell's mobile wallet offering P2P, merchant payments, and airtime top-up.

AfriMoney (Africell)
Active
Mobile Wallet

Africell's mobile financial service with national agent network and diaspora remittance features.

Nafa (Access Bank)
Active
Digital Banking

Access Bank Gambia's digital financial inclusion product targeting the unbanked.

APS Wallet
Active
Payment Platform

All-Purpose Solutions digital wallet supporting merchant payments and bulk disbursements.

Gambia Interoperability Switch (GISP)
Active
Infrastructure

CBG-operated switch enabling real-time transactions across all mobile money providers and banks.

Fintech Training Programmes

CBG Digital Financial Literacy
Central Bank of The Gambia

Mobile money safety, fraud prevention, consumer rights, and digital banking use cases. Branch-based and community outreach delivery.

GISP Merchant & Agent Training
CBG / Gambia Interoperability Switch

Training merchants and agents on the unified interoperable payment infrastructure. Cross-network payment acceptance.

Visa Africa FinTech Accelerator
Visa Inc.

Supports Gambian fintech startups with mentorship, technical resources, and Visa's global payment network access.

UNDP Cybersecurity for Finance
UNDP West Africa

Covers financial sector threats, incident response protocols, and digital fraud prevention for banking and fintech practitioners.

BANTABA 2.0 Technical Training
CBG / Mojaloop

Open-source interoperability framework. Technical training for financial institution teams on API integration and settlement procedures.

FORTIS OS Banking Simulation
FORTIS OS

Interactive sector simulation covering loan analysis, KYC/AML compliance, fraud detection, dispute resolution, and mobile money auditing.

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Regulatory Framework

Electronic Communications Act 2009

Governs electronic transactions, digital signatures, and online commerce in The Gambia. Provides legal framework for e-contracts.

CBG E-Money Guidelines (2022)

Regulations covering mobile money operators, agent banking, float management, and consumer protection requirements.

GDPA 2018

Gambia Data Protection Act — governs personal data processing by fintech companies. Requires explicit consent, data minimisation, and breach notification.

Anti-Money Laundering Act (AML/CFT)

Requires all financial institutions and mobile money operators to implement KYC procedures, transaction monitoring, and suspicious activity reporting.

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