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This is a Mixed-Methods Design study.

September 10, 2025

Regulatory Barriers to the Pan-African Payment and Settlement System (PAPSS) under AfCFTA: Multi-Country Analysis for Enhanced Intra-African Trade

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Authors

PRPaul RUHAMYAAfrican Leadership Institute EMEdwick MurunguAfrican Leadership Institute SNSylvie NdahimanaAfrican Leadership Institute

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Implication

Analysis of regulatory frictions in Rwanda, Ghana, Kenya, and Nigeria reveals significant constraints in adopting PAPSS, suggesting urgent policy reforms.

Key Points

PAPSS adoption is hindered by currency-convertibility restrictions and divergent KYC/AML thresholds, limiting trade potential.
RRI scores indicate Nigeria (56.7) and Kenya (65.0) face significant regulatory barriers, explaining varying PAPSS transaction volumes.
Full PAPSS rollout could reduce payment costs by up to 50% and increase intra-African trade by 10-30% in the next decade.
A multi-country analysis integrates AI-driven regulatory analytics with econometric modeling to highlight fintech integration in emerging markets.

Cite This Study

RUHAMYA et al. (2025) studied this question.

synapsesocial.com/papers/68c1a3f954b1d3bfb60ddfd5 https://doi.org/10.55677/crb/i07-06-crb2025

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Implication

Analysis of regulatory frictions in Rwanda, Ghana, Kenya, and Nigeria reveals significant constraints in adopting PAPSS, suggesting urgent policy reforms.

Regulatory Barriers to the Pan-African Payment and Settlement System (PAPSS) under AfCFTA: Multi-Country Analysis for Enhanced Intra-African Trade

Discussion

Member takes

Implication

Key Points

Cite This Study

Regulatory Barriers to the Pan-African Payment and Settlement System (PAPSS) under AfCFTA: Multi-Country Analysis for Enhanced Intra-African Trade

Discussion

Member takes

Implication

Key Points

Cite This Study

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