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PHOTO: Financial Technology Africa In the colonial era and the period succeeding it, Africa was treated as a charity by the western powers. Africa was a dependency in deals, and not as a partner. This unbalanced relationship also means that the terms of exchange became unbalanced and unfair. Whilst money, finished products and advanced services flowed into Africa in ample quantities, natural resources serving as raw materials flowed out of the continent in much larger quantities and African leaders were powerless to negotiate, leading to a culture of dependency. The twenty-first century world looks a little different. Whilst Africa still remains poor in comparison to the rich western countries, there is a significant shift in the dynamics. With increased development, self-awareness and access to technology and information, African leaders now have more to bargain with. Also, there is an increase in human capacity development within many African countries as more people become educa

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