Challenge 3

FinTech – Financial innovation for all

‎

‎- Problem 1: Offline Mobile Payments for Rural Markets

‎ - Build a USSD-based payment system that allows market traders to accept digital payments without internet access.

‎

‎- Problem 2: Micro-Savings for Artisans

‎ - Develop a gamified savings app for informal workers (e.g., tailors, mechanics) to encourage daily micro-deposits and financial literacy

‎- Problem 3: Credit Scoring for the Unbanked

‎ - Design an alternative credit scoring system using mobile usage, utility payments, and social trust networks.

‎

‎- Problem 4: Transparent Cooperative Management

‎ - Build a digital ledger for local cooperatives to manage member contributions, loans, and dividends transparently.