La voix des entreprises 
(LVDE) – With a share capital estimated at CFA 20 billion, Wave Banque Africa S.A is set to be launched very soon. This initiative marks a major milestone in the financial revolution sweeping through Francophone Africa, where the fintech aims to evolve into a full-fledged bank.
Wave Banque Africa S.A, the new entity in formation, is already reshaping the financial landscape across Francophone Africa. According to the Notarial Declaration of Subscription and Payment (DNSV) and the official articles of incorporation drawn up on August 4, 2025, by Me Binate Ami Patricia Yasmine and registered on August 22, 2025, this public limited company with a board of directors is gearing up to revolutionize the banking sector.
With a share capital set at CFA 20 billion, Wave Banque stands out as an ambitious project led by Coura Carine Sene as Chairwoman and Katier Bamba as Chief Executive Officer. This strategic leadership choice promises to steer the bank into an era of unprecedented innovation. But beyond its legal framework, it is the genuine break in the model that draws attention.
Historically recognized as a pioneering fintech, Wave now plans to take a decisive leap by becoming a fully licensed bank. This move is unprecedented in Francophone Africa, where fintechs have often sought partnerships with existing banking institutions rather than establishing their own. Wave is therefore positioning itself as a disruptive force, ready to challenge traditional financial institutions on their own turf.
The launch of Wave Banque Africa heralds the dawn of a new era where digital innovation takes center stage against established systems. Having already transformed financial practices, the fintech now aims to provide a comprehensive range of banking services tailored to the specific needs of African users. This evolution meets the growing demand for accessible and efficient financial solutions—crucial for a rapidly changing population.
The potential impact of this transformation is particularly promising for young African entrepreneurs. Wave Banque’s vision is to become a key player in the economic ecosystem, offering the necessary tools for start-ups and small businesses to thrive. By betting on innovation and technology, Wave positions itself as a catalyst for growth for an entire generation eager to modernize its interactions with the financial sector.
Through its creation, Wave Banque Africa S.A aspires to become a model for other fintechs looking to embark on the banking journey. This is not just a change of status—it’s a true revolution that could reshape the contours of finance on the African continent. Riding the digital wave to create a financial tsunami, Wave offers a glimmer of hope to economies seeking dynamism and innovation.
Though still in formation, Wave Banque Africa S.A already represents a major step forward for the financial sector in Francophone Africa. By transforming a fintech into a true bank, Wave is opening new opportunities for entrepreneurs and consumers alike, while challenging long-standing conventions. This initiative could well mark the beginning of a new era for finance in Africa—one where innovation and accessibility come together to build a promising future.
Raphael Mforlem
