"At Paysme, we supply fintech services to underserved SMEs to help them transition to the digital economy. The problem affecting our day to day job is that our customers are affected as they have to piece together a number of different suppliers so the market remains fragmented making it more expensive and time consuming than necessary. One of the possible solutions that we considered, was a fintech super app that includes mobile payments, digital banking, accounting, lending, e-commerce and insurance from a single platform tailored to our customers specific needs. Working with Toqio & Railsbank enables us to offer digital banking, debit cards, accounting and eventually lending to our small business customers."