In the heart of Gaborone, Botswana, a fintech revolution is quietly reshaping how Africans access credit, process payments, and participate in the digital economy. At the helm is Mosimanegape Setlhake, the visionary founder of Smart Plan Blueprint, a company that’s building the financial infrastructure Africa needs—one SaaS solution at a time.
Smart Plan Blueprint isn’t just another fintech startup—it’s a financial technology, infrastructure, and software solutions group with a mission to democratize access to credit and empower underserved communities across Africa. Operating under a Software-as-a-Service (SaaS) model, the company offers proprietary platforms that are transforming how financial services are delivered in the region.
One of Smart Plan Blueprint’s standout innovations is Blueprint Cred, a licensed micro-lender regulated by Botswana’s NBFIRA. What sets it apart? Its AI-powered credit scoring algorithm that analyzes data from diverse sources—including bank records, mobile wallets, SMS, and even social media—to assess creditworthiness. This approach opens lending opportunities to individuals who have traditionally been excluded from formal financial systems.
Complementing its credit solutions is Chomi, Smart Plan Blueprint’s proprietary Payment Services Provider (PSP). Designed as a single-unified mobile transaction platform, Chomi facilitates seamless transactions across various channels—bank cards, USSD, QR codes, and point-of-sale hardware. This flexibility is crucial in a continent where mobile money and digital wallets are rapidly gaining traction, especially among small businesses and informal traders.
Smart Plan Blueprint’s innovations align with broader trends in Africa’s fintech landscape. As highlighted by industry experts, fintech is not just about technology—it’s a key mechanism for addressing financial inclusion and socio-economic challenges. By providing solutions tailored to the unique needs of African communities, companies like Smart Plan Blueprint are playing a pivotal role in this transformation.
Mosimanegape Setlhake’s leadership exemplifies the potential of African-born innovation to drive meaningful change. Through Smart Plan Blueprint, he is not only building robust financial infrastructure but also fostering a more inclusive digital economy. As Africa continues its journey towards digital transformation, the work of pioneers like Setlhake will be instrumental in shaping a future where financial services are accessible to all.
