Vision 2026+: Scaling SantimPay’s Impact from Local to Regional

SantimPay’s journey from a disruptive fintech startup to a national powerhouse is only the beginning. With an ambitious roadmap leading toward 2026 and beyond, the company is positioning itself as a regional leader in digital payments and financial technology. Its strategy is built on three pillars: scaling hardware production, enhancing interoperability, and exporting its solutions across East Africa.

The local assembly of POS devices is a strategic first step. By producing hardware domestically, SantimPay reduces costs, increases accessibility, and creates a scalable foundation for expanding into neighboring markets like Djibouti, Eritrea, and Sudan. The planned payment switch system, developed in partnership with SanuPay and global fintech innovator OpenWay, will enable real-time, cross-institution interoperability, allowing banks, wallets, and processors to connect seamlessly. This switch is not only a game-changer for Ethiopia but also a blueprint for building robust, interoperable payment ecosystems in the region.

SantimPay is also diversifying its services beyond payments. Its roadmap includes introducing buy-now-pay-later (BNPL) options, micro-lending services, and loyalty programs that will further deepen its integration into consumers’ daily lives. Combined with platforms like SantimFundMe for crowdfunding and FrankRemit for diaspora remittances, SantimPay is evolving into a comprehensive fintech ecosystem.

Regionally, SantimPay sees an opportunity to replicate Ethiopia’s fintech success story in markets with similar demographic and economic profiles. By exporting its locally assembled POS devices and interoperable payment infrastructure, the company can help neighboring countries accelerate their digital payment journeys, fostering regional trade and financial inclusion.

Ultimately, SantimPay’s Vision 2026 is about scale, not just in numbers, but in impact. It’s about transforming how people pay, save, and invest; empowering merchants and consumers alike; and showcasing how African innovation can lead, not follow, in the global fintech revolution.