The fintech ecosystem in Nigeria and across Africa is undergoing rapid transformation, driven by mobile penetration, digital identity systems, artificial intelligence (AI), blockchain technologies, embedded finance, and regulatory innovation. Nigeria remains one of the continent’s leading fintech hubs, home to major players such as Flutterwave, Paystack, OPay, and Moniepoint. Across Africa, fintech innovations are accelerating financial inclusion, improving cross-border payments, and expanding credit access to underserved populations. This article examines current technological trends shaping the sector, reviews existing literature, discusses implications, outlines methodological considerations, presents key findings, and provides references for further study.