The Infrastructure Advantage: Why South African Fintech Engineering Has Quietly Solved a Problem Silicon Valley Is Still Struggling With
While Silicon Valley built for abundance—reliable power, high-bandwidth connectivity, and well-resourced users—South African fintech engineers built for reality. That distinction has produced a school of resilience engineering and mobile-first enterprise architecture that US financial institutions are only beginning to appreciate, and the gap in sophistication may be larger than most American executives realize.