This chapter examines how traditional markets in African cities are evolving into digital platforms and explores innovative financing mechanisms that could accelerate sustainable urban transformation across the continent. Drawing on Markard et al.’s Multi-Level Perspective and Loorbach's Transition Management frameworks, this analysis investigates the interplay between niche innovations, existing regimes, and broader landscape pressures shaping African urbanization. Through detailed case studies of Lagos (Nigeria), Kigali (Rwanda), Nairobi (Kenya), and Niamey (Niger), the chapter demonstrates how mobile technology and financial technology (fintech) are disrupting traditional banking systems, enabling financial inclusion, and creating new pathways for urban development financing. The chapter also traces the evolution from SMS-based price information systems to sophisticated digital marketplaces, examining how hybrid models integrate traditional market vendors with digital platforms. The chapter concludes that Africa’s urban transition success depends on adaptability, resilience, and systems integration within countries, regionally, and continentally. Rather than imposing external models, sustainable transformation requires building on what exists: leveraging indigenous institutions, embracing technological leapfrogging, and creating coevolutionary partnerships that turn complexity into opportunity and realize human potential across Africa's diverse urban landscapes.