Small businesses in Africa cannot access credit because they operate primarily in cash, blocking growth opportunities

African small business owners are trapped in cash-based economies that prevent them from building verifiable transaction histories needed for bank loans and credit access. Despite mobile money infrastructure existing, businesses continue using cash due to habit, trust issues, and lack of incentives to switch, leaving them unable to scale operations or invest in growth. Current digital payment solutions fail because they don't address the behavioral and trust barriers that keep merchants and customers preferring physical cash.