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Renew Capital (http://RenewCapital.com/) has selected 15 companies from more than 500 applicants across 48 African countries to advance through its inaugural Renew Venture Lab: EmFi Series.

The size and breadth of the applicant pool point to a larger shift underway across Africa: some of the continent's most promising embedded finance opportunities may come not from traditional fintechs, but from tech companies already serving small and medium-sized enterprises (SMEs).

Africa's SMEs are the main creators of jobs, yet they face an estimated $330B annual credit gap. However, Africa is rapidly becoming a global center for technology innovation and currently boasts the world's largest mobile money market. Meanwhile, SMEs are becoming more tech-enabled as smartphone adoption across sub-Saharan Africa is projected to rise from 54% in 2024 to 81% by 2030 and data costs plummet.

These trends open new opportunities to embed financial products in mobile applications to reach the world's most capital-constrained private sectors, unlocking growth and job creation. As Africa's startup ecosystems grow, technology companies powering digital payments, organizing smart distribution, optimizing logistics, improving healthcare, and digitizing agriculture value chains have the potential to reach millions of SMEs that banks are not serving and use their customer data to underwrite financial products.

All 500+ applicants were invited to exclusive expert sessions with founders from some of Africa's fastest-growing companies and gained advice from some of the world's leading embedded finance and Web3 companies. Forty-seven companies were selected for a pitch competition and given a startup package valued at more than $250,000. From this group, 15 were selected to advance to deeper technical training and investment consideration. The 15 companies represented Ethiopia, Ghana, Kenya, Morocco, Nigeria, Senegal, South Africa, Togo, Uganda and Zambia.

Matthew Davis, Co-CEO of Renew Capital, said: “The next generation of Africa's small business banks won't be banks. They'll be startups that already understand how SMEs operate, have their data and have earned their trust. These 15 companies are building from that advantage. That's why we're paying attention.”

THE TOP 15 COMPANIES

Company	Country	Founder	Website
AgroCenta	Ghana	Francis Obirikorang (https://apo-opa.co/4vTsP3Q)	https://apo-opa.co/4vW91No
Boost Technology	Ghana	Mike Quinn (https://apo-opa.co/4vWkAEm)	https://apo-opa.co/4vWkE74
Dots for Africa	Senegal	Carlos Oba (https://apo-opa.co/4peki9h)	http://DotsFor.com
Fanaka	Zambia	Hillary Sang (https://apo-opa.co/4h7E1oS)	https://apo-opa.co/4h3rkvj
Kutana	Ghana	Samuel Opoku (https://apo-opa.co/4vW923U)	https://apo-opa.co/4fnYapA
MajibuAfrica	Uganda	Janis Zicans (https://apo-opa.co/4f3YGrg)	https://apo-opa.co/4aGskSe
Marakisoft	Ethiopia	Alemayehu Seifu (https://apo-opa.co/4eSIN8o)	https://apo-opa.co/3R1TAUI
Oze	Ghana	Meghan McCormick (https://apo-opa.co/4paWgf9)	https://apo-opa.co/4vXKbN6
Regxta	Nigeria	Rukayat Bello (https://apo-opa.co/4vSdMaz)	https://apo-opa.co/4h28bdg
Rigo	Nigeria	Olukayode Odeyinde (https://apo-opa.co/4aJjcfF)	https://apo-opa.co/4w2UbEP
Shiprazor	South Africa	Lesego Tladinyane (https://apo-opa.co/3SU3hVK)	https://apo-opa.co/4aGsl8K
Solimi	Togo	Gael Egbidi (https://apo-opa.co/3SSjZor)	https://apo-opa.co/4vWkFIa
Tradevu	Nigeria	Nkiru Amadi-Emina (https://apo-opa.co/4aGsadA)	https://apo-opa.co/4eS7dPl
Z Systems	Morocco	Samer Choumar (https://apo-opa.co/4bd4PQU)	https://apo-opa.co/4vUQUYf
Zendawa	Kenya	Wilfred Njuguna (https://apo-opa.co/4pavJyx)	https://apo-opa.co/4eREuKE

Distributed by APO Group on behalf of Renew Capital.

Media Contact:
Nihal Grii
ngrii@renewcapital.com
+212 641 665 577

About Renew Capital:
Renew Capital is a pan-Africa investment firm with a presence in 13 countries. We back the bold founders using technology to pursue Africa's greatest opportunities.

With more than a decade of investing on the continent, Renew Capital is among the most active investors building Africa's thriving private sector. Learn more at http://RenewCapital.com/

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• AI investment is accelerating faster than governments can govern it in the public interest.
• Governments are investing in AI skills while leaving workers' rights behind.
• Governments are still failing to prevent misuse and unacceptable uses of AI, like surveillance.

Second edition of the Global Index on Responsible AI compares 135 countries and finds that laws, strategies and global commitments are spreading faster than the institutions, enforcement tools and transparency mechanisms needed to protect human rights.

A new study from the Global Center on AI Governance (www.GlobalCenter.AI/) warns that the global AI governance race is leaving many regions behind, even as artificial intelligence becomes embedded in public services, workplaces, education, healthcare, policing, finance and everyday life.

By “leaving many regions behind,” the report refers to a widening gap between countries that are turning responsible AI commitments into enforceable rules and those still relying mainly on non-binding principles, strategies and voluntary frameworks. That divide matters because, without institutions, oversight bodies, transparency requirements and redress mechanisms, many governments remain poorly equipped to protect people as AI systems shape access to public services, jobs, education, healthcare, policing, finance and other areas of everyday life.

In this scenario, the second edition of the Global Index on Responsible AI (GIRAI) (http://www.Global-index.AI/) finds that responsible AI governance is expanding, but unevenly and too slowly for the pace of AI development and diffusion. While more countries are adopting AI strategies, laws and policy commitments, many still lack the institutional capacity, enforcement tools, public accountability and transparency mechanisms required to protect human rights as AI systems spread.

Built by the Global Center on AI Governance with a network of 135 regional experts, GIRAI compares national approaches across 135 countries and five human-rights-linked dimensions: AI Use in Public Service Delivery, Ethics and Sustainability, Inclusion and Diversity, Labour and Skills, and Trust and Safety. The data used for the report covers the period 1 Nov 2023 - 30 Sept 2025.

The Index exposes a widening AI governance divide between countries with enforceable rules and countries relying mainly on non-binding principles, voluntary frameworks and early-stage capacity-building efforts.

The findings are especially relevant as governments move to regulate private AI while often failing to disclose, monitor or oversee their own use of algorithmic systems. The Index finds that the weakest-performing area is AI use in public service delivery, where automated systems can affect access to welfare, healthcare, education, housing, policing, migration and other essential services.

“Responsible AI cannot be secured through principles alone. The second edition of GIRAI shows a persistent gap between responsible AI as a commitment and responsible AI as a capability,” said Rachel Adams, founder and CEO at the Global Center on AI Governance. “As AI becomes a structural force in public life, governments need enforceable obligations, independent oversight, public disclosure, monitoring systems and accessible routes for redress.”

Key findings

The report identifies a global responsible AI landscape that is more active than before, but still fragmented, under-enforced and insufficiently grounded in public accountability. Among the main findings:

1. AI is accelerating faster than governments can govern it in the public interest

Diffusion of AI is expanding, with 53% of the global population having used generative AI tools. Yet average GIRAI scores remain low, at roughly 35 out of 100, and evidence of implementation exists in only 55% of cases where frameworks are active, falling to 45% in Global South countries.

2. Responsible AI governance is expanding in Global South countries, but binding protections remain scarce

Since the 1st Edition, Global South countries substantially broadened the responsible AI content of their national frameworks. On average, the number of GIRAI topics covered rose from 2.5 to 4.7, an 88% increase. In Global North countries, the number rose from 8.2 to 11.1, a 35% increase. Global South countries account for 203 of the 306 new country cases of indicators covered by frameworks identified since the 1st Edition. Despite this progress, most of the growth is in soft law: 78% of responsible AI framework cases in these countries are non-binding, compared with 42% in Global North countries.

3. AI safety is being governed as a technical problem, while human harms remain under-addressed

AI safety and security is one of the fastest-growing areas of governance, but much of it focuses on technical safeguards. Meanwhile, the Index found credible evidence of government misuse of AI in 35 of 135 countries, and only 49 countries (36%) have frameworks addressing AI-facilitated misinformation and violence.

4. Governments are regulating AI transparency but not disclosing their own use of AI

Transparency and Explainability is the strongest-performing indicator, with 58% of countries having some form of framework. Yet implementation lags behind the existence of frameworks. For government use of AI, Public Disclosure of Government Algorithmic Systems is the weakest-performing indicator, with only 18% of countries requiring disclosure of government AI systems.

5. Gender is increasingly recognised in AI governance, but protection from gendered harms remains weak

Gender equality is gaining visibility, with 29 new countries addressing gender and AI since the 1st Edition, but only 24 of 55 countries with gender-related frameworks show evidence of implementation. Protection from gendered AI harms remains limited.

6. Future generations are being prepared for the AI economy but not protected from AI-related harms

AI Literacy is one of the strongest-performing indicators, with 71 countries (53%) having some framework in place and 106 countries showing evidence of some activity in this area. By contrast, only 55 countries (41%) have frameworks addressing Children's Rights in AI, and only 27 of them show evidence of implementation.

7. AI's environmental footprint remains a blind spot in responsible AI governance

Only 27% of countries have frameworks addressing AI's environmental effects, and 83% of those frameworks are non-binding. Very few governments require disclosure of AI's energy use, water use, or environmental impact, contributing to making the environmental impact of AI a global blind spot.

8. Governments recognise the need for local-language AI but do not require developers to deliver it

Governments are investing in local-language technologies and cultural inclusion, with 52 countries (39%) showing government-led initiatives. Only 47 countries (35%) have frameworks addressing Cultural and Linguistic Diversity, and few require developers to use diverse datasets or adapt systems to local contexts.

9. Governments are investing in AI skills but neglecting workers' rights

Labour protection frameworks exist in only 39 countries (29%), compared with 72 countries (53%) with frameworks on reskilling and upskilling. Few countries address workers' rights to organise and collectively bargain in response to AI-driven workplace change.

10. Global AI governance is fragmenting before a shared floor of protection has been established

Average GIRAI scores range from 55 in Global North countries to 27 in Global South countries. Available evidence shows that 164 of 215 recent AI-related frameworks are non-binding, and multi-stakeholder consultations appear only 31 times in the global implementation record. Only 73 of 135 countries (54%) have adopted a national AI policy or equivalent framework, and just 36 countries (27%) have operational mechanisms for participation of civil society organisations (CSOs) in AI governance. Without a shared rights-based floor, interoperability risks serving markets before it protects people.

What GIRAI measures

The Global Index on Responsible AI is a research and advocacy initiative designed to measure countries' commitments, capacities and progress toward rights-respecting responsible AI. It is developed by the Global Center on AI Governance, a South Africa-based think tank that works as a global hub for research and evidence-led action on inclusive and equitable AI governance.

This work was carried out with the aid of a grant from the International Development Research Centre, Ottawa, Canada and the Foreign and Commonwealth Development Office under the AI4Development funding programme. Some further funds were used for the project from the Government of Canada, and from the International Development Bank of Latin America.

The Global Center's mission is to reduce global inequalities exacerbated by AI and to help build a world where AI technologies and governance reflect all of humanity. A central part of its work is bringing voices that are often marginalised into global AI governance debates, especially from regions and communities underrepresented in policy conversations.

GIRAI is intended to move the global AI governance debate from aspiration to evidence. It ranks countries but it also helps policymakers identify where stronger laws, institutions, resources and implementation mechanisms are needed; helps civil society actors see where governments have made commitments and where they can be held to account; and helps international organisations, funders and researchers understand where capacity gaps are most urgent.

Africa: Growing momentum, but implementation remains the greatest challenge

Africa continues to expand its responsible AI governance landscape, but the Global Index on Responsible AI finds that implementation and enforceability remain significant barriers. The region records the world's lowest average GIRAI score (22 out of 100), 13 points below the global average, reflecting persistent gaps between policy ambition and practical action.

Out of the 39 African countries surveyed, only 6 score above the global average: Nigeria, Egypt, Kenya, Ghana, Benin and Morocco, with North Africa emerging as the continent's strongest-performing subregion overall.

The continent's biggest gap lies between commitments and action. Key topics related to the Ethics and Sustainability of AI have the widest policy coverage, yet only 20.45% of the existing policy frameworks are implemented. In contrast, Policy frameworks addressing Labour and Skills challenges in the context of AI record the strongest implementation rate at 65.52%, making it the only dimension in Africa to exceed the global implementation average.

Most of Africa's governance frameworks also remain non-binding, Just 21% of the continents' 170 documented cases of policy areas covered by frameworks throughout the 39 countries are legally enforceable, with the majority taking the form of strategies, guidance or draft policies.

The Index also finds that civil society efforts are largely focused on building awareness, strengthening capacity and fostering collaboration, while fewer initiatives concentrate on accountability and oversight. At the same time, documented cases of unacceptable-risk AI in Kenya, Ghana and Uganda highlight the urgent need to strengthen governance as AI adoption accelerates across the continent.

Ranking

World Top 10

1. Norway
2. Italy
3. Ireland
4. France
5. Netherlands
6. Germany
7. United Kingdom
8. Slovenia
9. Latvia
10. Estonia
11. Brazil
12. Spain
13. Greece
14. Chile
15. Bulgaria

Regional Top 5

Region	Rank	Country	GIRAI score
Europe	1	Norway	74.66
	2	Italy	72.71
	3	Ireland	71.39
	4	France	70.32
	5	Netherlands	69.58
Latin America and the Caribbean	1	Brazil	63.3
	2	Chile	61.91
	3	Uruguay	56.99
	4	Colombia	54.74
	5	Costa Rica	52.3
Northern America	1	Canada	55.17
	2	United States of America	53.34
Asia	1	Japan	55.66
	2	Kyrgyz Republic	51.64
	3	South Korea	47.69
	4	Singapore	45.21
	5	China	43.58
Africa	1	Nigeria	45.93
	2	Egypt	41.26
	3	Kenya	39.53
	4	Ghana	38.43
	5	Benin	37.01
Oceania	1	Australia	56.4
	2	New Zealand	45.81

How the Index was built

The index was built by translating major global AI governance commitments, including the UNESCO Recommendation on the Ethics of AI and the OECD AI Principles, into measurable, comparable indicators that can be tracked over time.

These indicators assess the three core pillars of the GIRAI: AI Policy, covering laws, regulations, policies and their implementation; Civil Society Engagement; and Enabling Conditions. The indicators are grouped across five dimensions: AI Use in Public Service Delivery, Ethics and Sustainability, Inclusion and Diversity, Labour and Skills, and Trust and Safety.

The measurement framework was validated with civil society organisations working on human rights in digital environments. Once the framework was finalised, the research team hired 135 local experts, one in each country covered by the Index, to collect evidence for all primary indicators. That process produced more than 68,000 data points, which were then analysed to identify global and regional trends grounded in local evidence.

The second edition introduces a stronger distinction between the existence of AI governance frameworks and their implementation in practice. It assesses not only whether countries have adopted laws, policies, strategies or guidelines, but whether those commitments are being operationalised through institutions, oversight mechanisms, programmes, standards, monitoring systems, budgets, consultations and other concrete actions.

Distributed by APO Group on behalf of Global Center on AI Governance.

Additional resources:

• Download the second edition of the Global Index on Responsible AI.

• Access country-level data and methodology at global-index.ai.

• Learn more about the Global Center on AI Governance and its work on inclusive and equitable AI governance.

• Contact us to get in touch with your local researcher.

About the Global Center on AI Governance:
The Global Center on AI Governance is a South Africa-based think tank that works as a global hub for research and evidence-led action on inclusive and equitable AI governance. Its mission is to reduce global inequalities exacerbated by AI and to help build a world where AI technologies and governance reflect all of humanity.

Through research, advocacy and global collaboration, the Center works to ensure that communities historically marginalised in global technology governance are included in the decisions shaping AI futures.

www.Globalcenter.AI

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Four Ugandan farmers have launched a legal challenge in the UK High Court against the East African Crude Oil Pipeline (EACOP), seeking to apply Ugandan constitutional, environmental and climate law to EACOP Ltd., the project's UK-registered operating company. Filed mere months before the pipeline is expected to begin transporting Uganda's first crude exports, the case argues that the 1,445-km pipeline breaches Uganda's legal protections and asks the English court to prevent the project from becoming operational.

This is clearly nothing but the latest example of foreign-backed litigation targeting strategically important African energy projects through overseas courts. And it comes at a time when Uganda and Tanzania stand on the threshold of transformational economic opportunity.

The African Energy Chamber (AEC) maintains that decisions about Uganda's energy future should be made in Uganda – not in London.

And the timing is no coincidence.

After years of permitting, financing and construction, EACOP is approaching one of its most important milestones. Yet just as Uganda prepares to become an oil-producing nation, another legal challenge has emerged – this time asking a British court to determine whether one of Africa's most important infrastructure projects should proceed.

“This is colonialism 2.0,” says NJ Ayuk, Executive Chairman of the AEC. “For generations, Africa was told what resources it could exploit and how it should develop. Today, some of those same pressures are being repackaged through foreign-funded litigation and ideological campaigns that seek to dictate Africa's energy choices from thousands of kilometres away. UK courts should not determine Uganda's energy future. Ugandans should.”

The Chamber has long warned that legal campaigns against projects such as EACOP are becoming an increasingly common tool for delaying African energy development. Whether through repeated court challenges in East Africa, litigation targeting Mozambique LNG or legal battles that have stalled exploration in South Africa, the pattern is becoming difficult to ignore.

Each lawsuit may differ in its legal basis, but the cumulative effect is the same: greater uncertainty for investors, delayed infrastructure and slower economic growth for countries seeking to monetize their natural resources.

EACOP is the infrastructure that unlocks Uganda's estimated 6.5 billion barrels of oil resources, connects the country's production to international markets and creates opportunities for thousands of workers, local businesses and suppliers across Uganda and Tanzania. Developed by some of the world's largest companies – TotalEnergies and CNOOC – alongside the Uganda National Oil Company and Tanzania Petroleum Development Corporation, the project will strengthen local content, generate government revenues, expand infrastructure and support broader industrial development across East Africa.

Activists argue the project has affected more than 100,000 people through land acquisition while raising concerns about freshwater systems and protected habitats. TotalEnergies has consistently maintained that the project has implemented extensive environmental and social safeguards, biodiversity protection measures and international standards designed to minimize impacts while delivering long-term benefits to host communities.

Delaying those benefits carries consequences.

Every year that strategic energy projects are tied up in prolonged litigation is another year that jobs are postponed, investment decisions become more difficult and governments face greater obstacles in addressing energy poverty. For many African countries, responsible oil and gas development remains one of the few realistic pathways to financing schools, hospitals, roads, electricity networks and future renewable energy investments.

The Chamber also argues that the lawsuit raises a broader question of sovereignty. African institutions have already examined legal challenges related to EACOP, and Uganda possesses its own constitutional and judicial mechanisms for resolving disputes. Asking a UK court to intervene risks setting a precedent that extends well beyond one project. It effectively invites foreign jurisdictions to influence domestic development priorities across the continent.

“The time for Uganda to exploit its immensely valuable resources is now. Africa will not give in to international coercion to prevent the continent from energizing and bringing wealth to its people. Africa will not succumb to pressure to adhere to the energy transition on anyone else's terms. We know what is good for African energy and we will do everything in our power to ensure that the continent's resources benefit her people,” Ayuk concluded.

The debate over EACOP has never been about a pipeline alone. It is whether Africans retain the sovereign right to develop their own resources, under their own laws and for the benefit of their own people, or whether those decisions will increasingly be contested in foreign capitals by interests far removed from the communities they claim to represent.

Distributed by APO Group on behalf of African Energy Chamber.