On fingerprint technology and credit scoring, for example, the bank appears to be ahead of many of its competitors. Letshego, for one, is only just getting started on digital innovation. Of all the firms that rely on agency banking in Tanzania, Finca is the only one to have provided fingerprint payment terminals to its agents. Its partnership with First Access, meanwhile, represents one of the largest collaborations between microfinance and financial technology to date. And Finca is far from being the only bank in Africa to still rely on a large contingent of travelling loan officers.