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Regulatory shocks can change a fintech’s fate overnight. During Fintech Replay Day 2, John Egwu (COO, AutoChek Financial Services) reflected on a year of regulatory shifts across Africa, citing Kenya’s digital credit licensing changes that pushed many businesses from legal to illegal overnight. For founders, navigating compliance has become a constant challenge. Strong regulation matters, but so does regulatory innovation that understands market nuances and supports problem-solving at scale. To
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