Any new project, of course the risk, but in relation to AFCASH, I think you can try to try happiness. Although you need to remove as much time as possible for study and analysis. Startups in the banking sector have prospects.
Agreed with you and their is always some degree of uncertainty and doubt but with good background and proper roadmap, a project can convince its users to stay for long run and this could create more opportunity for so many users.
In Africunia project they already set a good example in financial sector by spending large sum of 5 years and now with their AFCASH token they are getting much support form community. That's how you get a good mark.