
10 March 2026
How Chikwama Pay Is Building a Borderless Bank on WhatsApp
The Issuer Academy: Innovate. Scale. Impact
About
Cross-border payments remain one of the biggest barriers to financial inclusion across Africa. While people travel, trade, and work across borders every day, their money often doesn’t move as freely. In this episode of The Issuer Academy podcast, host Merusha Naidu is joined by Smangele Khumalo, Chief Operating Officer at Chikwama Pay. Together, they discuss how the company is building a borderless digital bank designed for the way Africans live and trade.