{"id":490649,"date":"2026-05-07T00:30:08","date_gmt":"2026-05-07T00:30:08","guid":{"rendered":"https:\/\/www.financialafrik.com\/en\/2026\/05\/07\/daring-the-transformation-of-the-financial-system-to-better-finance-our-economies\/"},"modified":"2026-05-07T00:30:17","modified_gmt":"2026-05-07T00:30:17","slug":"daring-the-transformation-of-the-financial-system-to-better-finance-our-economies","status":"publish","type":"post","link":"https:\/\/www.financialafrik.com\/en\/2026\/05\/07\/daring-the-transformation-of-the-financial-system-to-better-finance-our-economies\/","title":{"rendered":"Daring the transformation of the financial system to better finance our economies"},"content":{"rendered":"
<\/div>\n


By Elvis Ngbondo-Sakpo<\/em><\/p>\n\n\n\n

Sub-Saharan Africa is not lacking in capital. It mainly lacks a system capable of effectively transforming these resources into productive and sustainable investments. Behind this paradox lies one of the great economic challenges of the continent: that of financial architecture.<\/p>\n\n\n\n

Recent regulatory developments in the CEMAC and UEMOA regions illustrate a clear willingness on the part of monetary authorities and states to better capture locally produced wealth. In CEMAC in particular, the gradual increase in the repatriation rate of foreign exchange from extractive industries reflects an increased search for monetary sovereignty and macro-financial stability. But a question remains: what actually happens to these resources once mobilized?<\/p>\n\n\n\n

The African paradox is now well known. On one hand, banking systems have comfortable levels of liquidity, savings are increasing, and public policies seek to better channel financial flows. On the other hand, financing needs remain colossal. According to the African Development Bank, the annual deficit in financing African infrastructure ranges between 68 and 108 billion dollars.<\/p>\n\n\n\n

This gap is not only temporary. It reveals a structural weakness in financial transformation mechanisms. Banks have mainly short-term resources and often prioritize financing states over the productive sector. Financial markets are still not deep enough to fully play their role in transforming capital. As for institutional investors – especially insurance companies – their capacities remain largely underutilized in long-term financing.<\/p>\n\n\n\n

In other words, the resources exist. But they circulate poorly.<\/p>\n\n\n\n

The debate on financing African development is too often confined to the logic of capital mobilization. However, the real challenge now lies in their transformation. A financial system can accumulate resources without effectively directing them towards productive investment. This is precisely the situation that many African economies are experiencing today.<\/p>\n\n\n\n

The prudential and monetary reforms undertaken in recent years have certainly strengthened the resilience of financial systems. But they are not enough to build mechanisms that allow for optimal capital allocation. The risk is then to see a model consolidate in which resources are captured without being truly transformed into engines of structural growth.<\/p>\n\n\n\n

The problem does not come from a lack of actors. Banks, financial markets, insurance companies, guarantee institutions, fintechs: the ecosystem already exists. The real challenge lies in their articulation.<\/p>\n\n\n\n

Today, these different segments largely function in silos. Banks finance but are constrained by the nature of their liabilities. Financial markets struggle to become true instruments of economic transformation. Insurers have long resources but remain insufficiently integrated into strategies for financing the real economy.<\/p>\n\n\n\n

This fragmentation limits the overall effectiveness of the African financial system.<\/p>\n\n\n\n

In this context, regulation becomes a central issue. International standards have helped strengthen the solidity of African financial institutions. However, their transposition into economies still under construction can sometimes have a paradoxical effect: securing balance sheets while limiting productive risk-taking.<\/p>\n\n\n\n

The challenge is not to question these prudential frameworks, but to adapt them more to local realities: clarify prohibitions, assume margins of initiative, and empower actors. No financial system develops without innovation or controlled risk-taking.<\/p>\n\n\n\n

The continent is now entering a new phase. Exchange rate policies, the rise of financial digitalization, and the emergence of new actors are gradually reshaping balances. But the next transformation cycle will not only depend on the volume of available capital. It will mainly depend on the ability to organize flows, connect actors, and build coherent financial ecosystems.<\/p>\n\n\n\n

Sub-Saharan Africa does not necessarily need more capital. It mainly needs a system capable of better organizing those it already has.<\/p>\n\n\n\n

The challenge is therefore no longer just about mobilizing resources. It is now about their transformation.<\/p>\n\n\n\n

And this transformation cannot rely on a simple reproduction of imported models. It requires the construction of a financial architecture adapted to African realities: more transparent, more complementary, and resolutely focused on the long term.<\/p>\n\n\n\n

Under these conditions, finance can fully play its role: not only stabilizing African economies, but also contributing to their structural transformation.<\/p>\n\n\n\n

<\/p>\n

<\/div>","protected":false},"excerpt":{"rendered":"

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