The economic landscape of Africa is evolving rapidly, and the role of Small and Medium Enterprises (SMEs) is increasingly recognized as a key driver of sustainable development. This review explores the potential of leveraging Financial Technology (FinTech), Artificial Intelligence (AI), and Cybersecurity to accelerate SME growth in the African context, ultimately contributing to economic prosperity. In recent years, FinTech has gained prominence for its ability to revolutionize financial services. By facilitating seamless transactions, enhancing access to capital, and streamlining financial processes, FinTech presents a significant opportunity for SMEs in Africa to overcome traditional barriers to growth. The integration of AI technologies further amplifies this potential, enabling SMEs to harness data-driven insights for informed decision-making, operational efficiency, and personalized customer experiences. However, the adoption of FinTech and AI in the African SME sector necessitates robust cybersecurity measures. As digital transformation accelerates, the risk of cyber threats becomes more pronounced. Addressing these challenges requires a strategic approach to cybersecurity, encompassing robust data protection, threat intelligence, and resilient infrastructure. This review underscores the importance of a holistic approach, wherein the synergy between FinTech, AI, and Cybersecurity becomes a catalyst for economic prosperity. Policymakers, financial institutions, and technology providers must collaborate to create an enabling environment that fosters innovation, supports digital literacy, and ensures the security of digital ecosystems. By embracing this technological trifecta, African SMEs can navigate the complexities of the modern business landscape, foster innovation, and contribute significantly to job creation and economic growth. As Africa positions itself on the global stage, the strategic utilization of FinTech, AI, and Cybersecurity emerges as a pivotal driver for unlocking the full potential of SMEs and propelling the continent toward sustained economic prosperity.