对许多非洲女性而言，积累财富的最大障碍并非缺乏雄心，而是缺乏可得性——缺乏合适的金融工具、信贷、投资机会和信息。金融科技公司 HerVest 的首席执行官兼联合创始人 Solape Akinpelu 正致力于围绕女性面临的现实需求构建数字化金融解决方案，以缩小这一差距。

通过专注于改善非洲女性金融服务可得性的平台 HerVest，用户可以获得储蓄、影响力投资和信贷融资服务。该公司还将小农户女性农民和女性主导的企业与可支持其成长的融资机会对接起来。HerVest 目前拥有超过 100,000 名会员，这一数字反映出专为女性设计的金融服务的需求不断增长。综合来看，该平台储蓄、投资与信贷产品的组合，恰好对应了上述可得性缺口——即许多非洲女性长期被排除在外的工具、信贷和投资机会。

Akinpelu 在科技与普惠金融领域的工作并不局限于 HerVest。作为科技企业领导者、性别金融专家和畅销书作家，她担任 Women in Tech Global Movement 全球营销联合主席及其尼日利亚国家经理。

她曾担任尼日利亚-英国商会技术事务主席，助力推动尼日利亚与英国之间的技术贸易与投资。

她是尼日利亚总统女性与女童经济赋权高层顾问委员会成员，并在尼日利亚央行（CBN）性别委员会事务部门任职，参与《推进女性普惠金融框架》的工作。同时身居总统委员会和央行工作组两个席位，使她处于政策与产品的交汇点——这里既设定尼日利亚的普惠金融议程，也是 HerVest 这类平台运作的空间。

凭借金融营销领域的背景，Akinpelu 曾任尼日利亚投资与财富管理集团 Meristem 的营销主管。她是一名认证金融教育讲师，也是美国 Personal Finance Speakers Association 和英国皇家特许营销协会的成员。她还是性别金融与女性经济赋权领域备受追捧的演讲者，著有畅销个人理财书籍《Stripped: An African Woman's Guide to Building Generational Wealth》，该书专注于帮助非洲女性积累并守护财富。

作为 TechNext24“Women in Tech”科技问答系列的一部分，Akinpelu 分享了她的日常习惯、灵感来源以及对普惠金融的看法——这一形式让读者得以一窥这个服务超过 100,000 名女性的平台背后的日常运作与产品思维。以下是她的亲述回答：

她的亲述

关于她的晨间日常：

"My mornings are a mix of quiet, planning my day, catching up on what matters, and getting into work mode."

关于她的主要工作设备：

"I use a high-performance laptop as my primary work device for managing tasks, communication, presentations, research, and virtual meetings. I also use a smartphone for communication, managing emails, and accessing important work applications when I am away from my laptop."

关于她依赖的软件：

"Microsoft Teams, Google Meet, Outlook and PowerPoint."

关于她的灵感来源：

"I read, have conversations with interesting people, and take time away from the noise to think. I also find a lot of inspiration in seeing women build, create and overcome difficult circumstances. Sometimes, stepping back from work and simply observing how people navigate everyday life gives me the best ideas."

关于她离不开的应用：

"I can't do without. It keeps me connected to my team, family, partners and the wider HerVest community. So much of my day involves conversations, collaboration and staying connected, and WhatsApp makes that seamless."

关于她希望存在的产品：

"I wish there was a truly intelligent financial companion designed specifically for African women. The one that understands your income, spending patterns, financial goals and life stage, and proactively helps you make better financial decisions. Not just an app that shows you numbers, but one that actually understands your financial journey and guides you towards greater financial security."

关于她想解决的问题：

"I would solve financial inequality, particularly for women across Africa. I would want every woman, regardless of where she lives or what she earns, to have access to the knowledge, tools, capital and opportunities she needs to build a financially secure life. I believe financial security gives women greater freedom to make choices, support their families and shape their communities."

关于她最钦佩的领导者：

"Ngozi Okonjo-Iweala. I admire her ability to operate at the highest levels of global leadership while remaining deeply committed to Africa's development. Her resilience, intellect and ability to create impact at scale inspire me. She reminds me that African women can sit at any table and also build the tables we need."

关于指引她的格言：

"If you want to go fast, go alone. If you want to go far, go together. It reminds me that meaningful change is rarely built by one person. The biggest problems we are trying to solve require collaboration, shared vision and people who are willing to build together."

关于她想读到的人物故事：

"I would love to read a women-in-tech trivia featuring African women who are quietly changing the world through technology, women building startups, creating solutions to everyday problems, breaking barriers and opening doors for the next generation. I'd especially love stories that go beyond their achievements and share the challenges, failures and defining moments that shaped their journeys."

从她的晨间日常到她的产品愿望清单，Akinpelu 的回答始终围绕着她工作的主线：金融工具唯有围绕使用者的现实需求而构建，才能发挥最大效用。她自己对这个系列的期望——故事不止于成就，还要呈现背后的挑战、失败和决定性时刻——也表明了她所相信的、非洲科技女性理应得到更多的那种叙事方式。

来源：TechNext24