LoadingLoadingLoadingLoadingAgent networks, float, and dispute handling—without a banking licence.
Online only
Mobile money fails where float dies, agents overcharge, and a widow cannot reverse a wrong send because the USSD menu never offered a French path she could read. This programme treats those failures as the curriculum. You will model agent economics, map a liquidity cascade, and write a complaints SOP a compliance officer can audit without pretending you hold a licence. African Future University places rural and peri-urban agent clusters at the centre. You study interoperability as a settlement and dispute problem, not as a conference slogan. AfCFTA-era cross-border remittance pilots appear only as operational cases with real FX and ID frictions—not as a claim that this university sits inside any continental payment scheme. The award is academic. It is not a banking licence, not a payment-service-provider authorisation, and not employment by any mobile network. It is for operations managers who must keep an agent network honest when the generator dies and the float run is tomorrow. You will compare a peri-urban super-agent cluster with a one-shop village kiosk, including women’s safety as an operations variable. Identity-checked exams test whether you can write a note a compliance officer can audit without inflating the university into a licensed issuer.
Thirty-six credits: agent economics, risk and disputes, public-policy interfaces, and a rural-network capstone. Identity-checked exams. No licence to issue e-money is implied.
Study online
Every programme can be completed fully online with zero tuition fees — study from anywhere in the world.
| Code | Course | Credits |
|---|---|---|
| AFU521 | USSD, Super-Apps, and Low-End Handsets USSD, Super-Apps, and Low-End Handsets — assessed module on the MSc Inclusive Payments and Mobile-Money Operations pathway.
| 3 |
| AFU522 | Agent Economics, Overcharging, and Liquidity Agent Economics, Overcharging, and Liquidity — assessed module on the MSc Inclusive Payments and Mobile-Money Operations pathway.
| 3 |
| AFU523 | Rural Identity, KYC, and Exclusion Rural Identity, KYC, and Exclusion — assessed module on the MSc Inclusive Payments and Mobile-Money Operations pathway.
| 3 |
| AFU524 | Women Agents and Safety as Operations Data Women Agents and Safety as Operations Data — assessed module on the MSc Inclusive Payments and Mobile-Money Operations pathway.
| 3 |
| Code | Course | Credits |
|---|---|---|
| AFU525 | Fraud Typologies without Glamourising Crime Fraud Typologies without Glamourising Crime — assessed module on the MSc Inclusive Payments and Mobile-Money Operations pathway.
| 3 |
| AFU526 | Reversals, Time Limits, and Call-Centre Language Reversals, Time Limits, and Call-Centre Language — assessed module on the MSc Inclusive Payments and Mobile-Money Operations pathway.
| 3 |
| AFU527 | Interoperability as Settlement, Not a Slogan Interoperability as Settlement, Not a Slogan — assessed module on the MSc Inclusive Payments and Mobile-Money Operations pathway.
| 3 |
| AFU528 | Operational Resilience when Power and SIM Registration Fail Operational Resilience when Power and SIM Registration Fail — assessed module on the MSc Inclusive Payments and Mobile-Money Operations pathway.
| 3 |
| Code | Course | Credits |
|---|---|---|
| AFU529 | Central-Bank Circulars as Texts, Not Licences Central-Bank Circulars as Texts, Not Licences — assessed module on the MSc Inclusive Payments and Mobile-Money Operations pathway.
| 3 |
| AFU530 | EN/FR Payments Administration Documents EN/FR Payments Administration Documents — assessed module on the MSc Inclusive Payments and Mobile-Money Operations pathway.
| 3 |
| AFU531 | Cross-Border Remittance Friction (AfCFTA-era Cases) Cross-Border Remittance Friction (AfCFTA-era Cases) — assessed module on the MSc Inclusive Payments and Mobile-Money Operations pathway.
| 3 |
| AFU532 | Ethics of Data, Nudges, and Over-Indebtedness Ethics of Data, Nudges, and Over-Indebtedness — assessed module on the MSc Inclusive Payments and Mobile-Money Operations pathway.
| 3 |
| Code | Course | Credits |
|---|---|---|
| AFU533 | Payments Research Methods and Anonymised Ledgers Payments Research Methods and Anonymised Ledgers — assessed module on the MSc Inclusive Payments and Mobile-Money Operations pathway.
| 3 |
| AFU534 | Writing for Operations and Compliance Desks Writing for Operations and Compliance Desks — assessed module on the MSc Inclusive Payments and Mobile-Money Operations pathway.
| 3 |
| AFU535 | Agent Cluster Diagnosis Agent Cluster Diagnosis — assessed module on the MSc Inclusive Payments and Mobile-Money Operations pathway.
| 3 |
| AFU536 | Capstone: Inclusive Payments Operations File Capstone: Inclusive Payments Operations File — assessed module on the MSc Inclusive Payments and Mobile-Money Operations pathway.
| 3 |
Modules are assessed through a published mix of coursework, applied projects, and examinations. Exam windows are announced in advance so students in other time zones are not forced into overnight sittings. Alternative arrangements are available where documented.
The published duration is 18 months. Teaching language: English + French assessment options. Actual time-to-complete depends on mode and any recognised prior learning.
This is a fully online award. You study from your country. No student visa and no campus relocation are required.
Degree tuition for this award is published as £0 / tuition-free on the online pathway. Examination or administrative fees may apply at checkout — never an annual tuition invoice. Check the Fees page for any extras.
Requirements are grouped on this page (academic, English, documents). Equivalent qualifications are considered. English may be waived after prior English-medium study.
Assessment is typically a mix of coursework, projects, and examinations. Doctoral awards include a thesis or dissertation and an oral examination. Details sit in the programme specification and module outlines.
Recognition of the award for local employment, professional licence, or ministry attestation is decided by your employer or regulator. African Future University publishes verification pages for certificates. We do not claim automatic equivalence in every country.
Start an application on this website. Progress is saved from the first step. Admissions: admissions@afutureuni.com.
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