Why Julaya chose debt over equity to scale across Francophone Africa

As VC funding tightens, Julaya is taking a different path: using debt instead of equity to scale across Francophone Africa. In this interview, CEO Mathias Léopoldie explains why debt gives the fintech flexibility to grow without dilution, how a local investor like CDC-CI Capital became a strategic catalyst, and why disciplined, regulated digital payments infrastructure will define the region’s next phase of fintech expansion.

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