Fintech is a major force shaping the structure of the financial industry in Sub Saharan Africa and it is rapidly changing the competitive landscape. Block chain technologies specifically have shown great promise to solve issues around access to banking, money, and mortgages. Across the continent it's also transforming access to energy, education and even healthcare. Is it too good to be true? Should Central Banks race to use digital currency? What should we be thinking about around social economic change, data protection, accountability, regulations and policy? Our analysts talk through this complex issue. Anton Casteleijn, Senior Economist, Sub-Saharan Africa, IHS Markit https://experts.ihsmarkit.com/experts/casteleijn-anton Theo Acheampong, Senior Analyst Country Risk – Sub-Saharan Africa, IHS Markit https://experts.ihsmarkit.com/experts/acheampong-theo Alisa Strobel, Senior Economist, Sub-Saharan Africa, IHS Markit https://ihsmarkit.com/experts/strobel-alisa.html Brian Lawson, Senior Economic and Financial Consultant, Country Risk, IHS Markit https://experts.ihsmarkit.com/experts/lawson-brian