{"id":788,"date":"2026-07-02T13:09:48","date_gmt":"2026-07-02T13:09:48","guid":{"rendered":"https:\/\/oko.finance\/?p=788"},"modified":"2026-07-02T13:09:49","modified_gmt":"2026-07-02T13:09:49","slug":"alliance-for-financial-inclusion-looking-back-8-years-later","status":"publish","type":"post","link":"https:\/\/oko.finance\/fr\/alliance-for-financial-inclusion-looking-back-8-years-later\/","title":{"rendered":"Alliance for Financial Inclusion - looking back 8 years later"},"content":{"rendered":"<p>OKO's CEO Simon Schwall was invited to reflect on the regulatory environment in Africa, 8 years after receiving the Allliance for Financial Inclusion (AFI) fintech showcase award. He is sharing his thoughts below:<\/p>\n\n\n\n<p>Try selling a parametric drought insurance policy:<br>\u274c in a language with no word for \u201cinsurance\u201d<br>\u274c to a farmer with low financial literacy,<br>\u274c and only reacheable after 2 hours of driving in the mud<\/p>\n\n\n\n<p>That deserves a bonus, right?\ud83d\ude05<\/p>\n\n\n\n<p>Well, the regulators don't seem to agree. Look at these friction points:<br>- Uganda: Commissions for distributors are capped at a tight 10%.<br>- Mali: Insurance product tax sits at 20% (while VAT is only 18%).<br>- West Africa (CIMA region): Want to sell \"micro-insurance\"? You need to apply for an entirely separate, additional license.<br>But it\u2019s not all uphill. The tide is turning:<br>\ud83c\udf3e Parametric insurance is finally being recognized as the solution across most African countries.<br>\ud83d\udcf1 Mobile Money interoperability is making it seamless to collect tiny premiums. \ud83c\uddf8\ud83c\uddf3 Forward-thinking countries like Senegal have entirely lifted taxes on crop insurance.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"582\" src=\"https:\/\/oko.finance\/wp-content\/uploads\/2026\/07\/image-1024x582.png\" alt=\"\" class=\"wp-image-789\" srcset=\"https:\/\/oko.finance\/wp-content\/uploads\/2026\/07\/image-1024x582.png 1024w, https:\/\/oko.finance\/wp-content\/uploads\/2026\/07\/image-300x171.png 300w, https:\/\/oko.finance\/wp-content\/uploads\/2026\/07\/image-768x437.png 768w, https:\/\/oko.finance\/wp-content\/uploads\/2026\/07\/image-18x10.png 18w, https:\/\/oko.finance\/wp-content\/uploads\/2026\/07\/image.png 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>Thank you, AFI, for the platform and for your tireless work promoting <a href=\"https:\/\/www.linkedin.com\/search\/results\/all\/?keywords=%23financialinclusion&amp;origin=HASH_TAG_FROM_FEED\"><strong>#FinancialInclusion<\/strong><\/a>!<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>OKO's CEO Simon Schwall was invited to reflect on the regulatory environment in Africa, 8 years after receiving the Allliance for Financial Inclusion (AFI) fintech showcase award. He is sharing his thoughts below: Try selling a parametric drought insurance policy:\u274c in a language with no word for \u201cinsurance\u201d\u274c to a farmer with low financial literacy,\u274c [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":671,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-788","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Alliance for Financial Inclusion - looking back 8 years later - OKO Finance<\/title>\n<meta name=\"description\" content=\"Mobile tech revolutionizes access to affordable insurance for African farmers, enhancing financial protection and boosting agricultural productivity.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/oko.finance\/fr\/alliance-for-financial-inclusion-looking-back-8-years-later\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Alliance for Financial Inclusion - looking back 8 years later - OKO Finance\" \/>\n<meta property=\"og:description\" content=\"Mobile tech revolutionizes access to affordable insurance for African farmers, enhancing financial protection and boosting agricultural productivity.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/oko.finance\/fr\/alliance-for-financial-inclusion-looking-back-8-years-later\/\" \/>\n<meta property=\"og:site_name\" content=\"OKO Finance\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-02T13:09:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-02T13:09:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/oko.finance\/wp-content\/uploads\/2024\/05\/OKO_Assurances_Agricoles_Mali-30-2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1478\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Simon Schwall\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Simon Schwall\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/oko.finance\\\/alliance-for-financial-inclusion-looking-back-8-years-later\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/oko.finance\\\/alliance-for-financial-inclusion-looking-back-8-years-later\\\/\"},\"author\":{\"name\":\"Simon Schwall\",\"@id\":\"https:\\\/\\\/oko.finance\\\/fr\\\/#\\\/schema\\\/person\\\/74ec6a7969af7ac10af9b14771557641\"},\"headline\":\"Alliance for Financial Inclusion - 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