This research suggests a multi-stakeholder framework to increase the use of fintech in Africa, which would help the continent boost its financial inclusion and reach its Sustainable Development Goals (SDGs). The study evaluates previous research and frameworks that have been created to aid in the adoption of fintech by several stakeholders in developing nations, some of which have been tested in African nations with limited success. To begin with, the study suggests the use of the World Bank’s Maximising Finance for Development (MFD) approach through the prioritization of national ownership, creation of an enabling environment for private sector investment, partnering with multilateral development banks and other stakeholders, fostering innovation and digital literacy, and focusing on cost-effective, non-government guaranteed financing. In the same vein, in line with the G20’s High-Level Principles for Digital Financial Inclusion, the adoption of financial technologies and digital financial services in Africa can be promoted through the creation of a country-specific strategy. Each government can create a regulatory environment that encourages innovation and competition, improve its digital infrastructure, increase its digital literacy and awareness, and collaborate with private sector stakeholders to expand financial inclusion. Furthermore, The Better Than Cash Alliance’s strategy to increase fintech adoption can also be implemented through partnership with businesses, international organizations, and other nations. By joining the Alliance, countries can enact rules and regulations that facilitate fintech adoption, promote awareness and education, and design and execute national digital payment infrastructure with the help of fintech companies. Finally, the mSTAR initiative suggests collaborating with USAID, in order to provide support to underrepresented populations, incorporate digital financial services, increase public-private collaboration, and educate and train policymakers, practitioners, and technologists. By implementing these strategies, African nations can accelerate the adoption of fintech solutions and increase financial inclusion.

The advancements in social networking have empowered open expression on micro blogging platforms like Twitter. Traditional Twitter Sentiment Analysis (TSA) faced challenges due to rule-based or dictionary algorithms, dealing with feature selection, ambiguity, sparse data, and language variations. This study proposed a classification framework for Twitter sentiment data using word count vectorization and machine learning techniques to reduce the difficulties addressed on annotated sentiment-labelled tweets. Various classifiers (Naive Bayes, Decision Tree, K Nearest Neighbours, Logistic Regression, and Random Forest) were evaluated based on Accuracy, Precision, Recall, F1-score, and Specificity. Random Forest outperformed others with an Area under Curve (AUC) value of 0.96, and an Average Precision (AP) score of 0.96 in sentiment classification, especially effective with minimal Twitter-specific features.