Founder & CEO at Finlazo
Ray Paul
Ray Paul is the founder and CEO of Finlazo, a financial technology company building infrastructure that connects local payment rails with digital assets and global financial networks. He writes about cryptocurrency, digital payments, M-Pesa, PesaLink, stablecoins and financial infrastructure.
Articles by Ray Paul
20 articles
PaymentsMalawi Cross-Border Payments: Remittances, Mobile Money, SADC-RTGS and the Digital Payment Infrastructure
Malawi's cross-border payments are being shaped by remittances, mobile money, foreign-exchange constraints and regional payment networks. Explore the systems and infrastructure connecting Malawi to Africa and beyond.
Ray Paul
PaymentsBotswana Cross-Border Payments: Remittances, Trade, SADC-RTGS and Digital Payment Infrastructure
https://finlazo.com/blog/botswana-cross-border-payments
Ray Paul
PaymentsZimbabwe Cross-Border Payments: Remittances, SADC-RTGS, PAPSS and Digital Payment Infrastructure
https://finlazo.com/blog/zimbabwe-cross-border-payments
Ray Paul
GuidesEthiopia Cross-Border Payments: Remittances, Digital Payments, Foreign Exchange and Regional Connectivity
Ethiopia's cross-border payments are evolving as remittances grow and digital infrastructure expands. Explore the country's payment systems, foreign-exchange reforms, regional connectivity and the challenges facing international transfers.
Ray Paul
PaymentsMauritius Cross-Border Payments: Remittances, Trade, Banking and Regional Payment Infrastructure
Mauritius moves substantial value across borders through tourism, trade, remittances and financial services. Explore its payment networks, transfer costs, local-currency settlement and digital infrastructure.
Ray Paul
GuidesSeychelles Cross-Border Payments: Remittances, Banking, SWIFT, SADC-RTGS and the Future of Digital Transfers
Seychelles relies on international and regional payment networks to support tourism, trade and personal transfers. Explore the costs, infrastructure and new technologies shaping how money moves across its borders
Ray Paul
PaymentsRwanda Cross-Border Payments: Costs, Mobile Money, PAPSS and the Next Phase of Regional Transfers
Rwanda is building faster connections with Africa through mobile money, eKash and regional payment infrastructure. Explore the costs, challenges and new systems shaping cross-border transfers.
Ray Paul
GuidesZambia Cross-Border Payments: Remittances, SADC-RTGS, COMESA REPSS and PAPSS
Explore Zambia's cross-border payments market, including remittances, mobile money, regional payment systems, trade, foreign exchange, fintech and the latest payment statistics
Ray Paul
PaymentsTanzania Cross-Border Payments: Remittances, Trade and the Future of Regional Money Movement
Explore Tanzania's cross-border payments market, including remittances, mobile money, EAPS, SADC RTGS, TIPS, Tanzania-Kenya payments, foreign exchange and the latest payment statistics.
Ray Paul
PaymentsCross-Border Payments in Egypt: Remittances, International Transfers and Digital Settlement
Explore cross-border payments in Egypt, including record remittances, international money transfers, digital wallets, InstaPay, foreign exchange, payment costs and the future of digital settlement.
Ray Paul
PaymentsCross-Border Payments in Ghana: Remittances, Trade, Mobile Money and African Transfers
Explore cross-border payments in Ghana, including remittances, mobile money, PAPSS, international transfers, trade payments, foreign exchange and the latest digital payment infrastructure.
Ray Paul
PaymentsCross-Border Payments in Nigeria 2026: Remittances, Trade and Digital Transfers
Explore cross-border payments in Nigeria, including remittances, IMTOs, PAPSS, diaspora transfers, trade payments, foreign exchange and the latest digital payment infrastructure.
Ray Paul
GuidesCross-Border Payments in Uganda: Remittances, Mobile Money and the 2026 Market
Explore cross-border payments in Uganda in 2026, including remittances, mobile money, digital transfers, stablecoins, regional payment infrastructure and the latest market data.
Ray Paul
PaymentsKenya Cross-Border Payments: Remittances, Regional Transfers and Business Payments 2026
Explore Kenya’s cross-border payments market, from remittances and regional trade to EAPS, PAPSS, mobile money, transfer costs and the payment infrastructure connecting Kenya to Africa.
Ray Paul
PaymentsCross-Border Payments in South Africa: Infrastructure, Costs and the Road to Faster Settlement
South Africa's cross-border payment market is growing, with formal remittance outflows to SADC countries exceeding R19 billion in 2024. This article examines the costs, regional payment infrastructure and emerging technologies shaping faster cross-border settlement.
Ray Paul
PaymentsCross-Border Payments in Africa: Why the Continent Needs Better Payment Infrastructure
Africa's digital payments are booming, but fragmented currencies, payment networks and regulations still make cross-border transfers costly and complex. Explore how PAPSS, fintechs, local payment rails and stablecoins could connect Africa's financial systems.
Ray Paul
PaymentsWhy Africa Needs Better Cross-Border Payment Infrastructure
Africa has built powerful payment networks, but fragmented currencies and financial systems still make cross-border payments costly and complex. Explore why better interoperability could connect banks, mobile money, fintechs, and blockchain-based settlement across the continent.
Ray Paul
PaymentsThe Future of Digital Payments in Africa: From Mobile Money to Stablecoins
Africa's digital payments are evolving from mobile money to interconnected fintech, instant-payment, and stablecoin networks. Explore how these technologies could work together to create faster, more accessible, and connected financial infrastructure across the continent.
Ray Paul
PaymentsHow Cryptocurrency Is Changing Cross-Border Payments in Africa
Cryptocurrency is reshaping cross-border payments in Africa by enabling faster digital settlement, supporting remittances, connecting mobile money with global markets, and creating new opportunities for businesses and individuals.
Ray Paul
PaymentsWhy Stablecoins Could Transform Cross-Border Payments in Africa
Stablecoins could reshape cross-border payments in Africa by enabling faster settlement between currencies, banks, mobile money networks and digital payment platforms. Explore how stablecoin infrastructure could make African payments more efficient, accessible and connected.
Ray Paul