The Hack54 Finance & Digital Assets Edition concluded with an extraordinary showcase of developer talent, data-driven innovation, and scalable infrastructure designed to unlock capital for Africa’s informal economy Powered by Forms Capital Ltd. Addressing the persistent challenges of liquidity management, credit scoring, and financial visibility, participating teams presented transformative tools tailored for underserved markets.

Taking top honors as the overall winner was MobiFin AI, while FinSight earned the runner-up position for its novel approach to alternative credit scoring.

Winner: MobiFin AI — Next-Generation Financial Infrastructure for Underserved Markets

MobiFin AI addresses systemic gaps by positioning itself as an AI-powered financial infrastructure platform. Designed for mobile money agents and financial institutions, MobiFin equips agents with digital tools for transaction intelligence, cash and e-float monitoring, liquidity forecasting, business analytics, trusted liquidity-source management, and customer referrals.

Runner-Up: FinSight — Reusable Financial Identities for Informal Businesses

Securing the runner-up spot, FinSight targets the working capital bottleneck faced by Ghanaian Mobile Money (MoMo) agents and informal merchants.

FinSight converts verified MoMo transaction history into an explainable, deterministic credit profile. This platform provides lenders and operators with the necessary tools to make data-backed lending decisions, monitor portfolios, reconcile transactions, and detect potential fraud—all while providing AI-assisted explanations to support human underwriting and compliance teams.

Transforming Last-Mile African FinTech

The solutions presented by MobiFin AI and FinSight highlight a decisive shift toward using transaction intelligence to bridge the gap between informal commerce and formal financial institutions. Through intelligent liquidity management and alternative credit scoring, these innovations demonstrate how localized technology can unlock sustainable economic growth across African markets.