Most forecasts for the microfinance industry today stop at 2030. Beyond that horizon, standard forecasting methods stop describing changes to the architecture of the system itself.

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David R. Whitehouse

Journalist, author, historian (PhD). Former Bloomberg editor of 17 years, then 6 years at The Africa Report. Contributor to The Banker (FT) and Devex. Microfinance, fintech regulation in developing countries. Weekly updates.

Mila Agius

Behavioural psychologist, 10+ years in fintech, and author of Fintech Novel 2040. My work explores what makes communities durable — how trust, belonging, incentives and shared memory turn audiences into systems that survive change.

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