The colonial era didn't just extract resources and impose borders — it embedded itself in languages, legal systems, educational curricula, and ways of knowing that persist long after independence. Ngugi wa Thiong'o, Achille Mbembe, and Walter Mignolo debate whether decolonization is a genuine intellectual and political project underway, or a word that has been so broadly applied it has lost the specificity needed to do any real work.

Decolonization has become one of the most contested and widely deployed terms in contemporary intellectual and political discourse — invoked to describe everything from curriculum reform and land restitution to museum policy, therapeutic practice, and organizational management. As its usage has expanded, critics argue that the term has become so elastic as to be analytically useless — a rhetorical gesture that allows institutions to perform transformation without undertaking it. Defenders insist that the breadth of application reflects the genuine depth and pervasiveness of colonial legacies that continue to shape thought, power, and possibility long after formal independence. Who is right — and what is actually at stake?

Context

The formal end of European colonial empires in the mid-20th century did not end the structural, epistemological, and psychological dimensions of colonialism that had been embedded over centuries of domination. Colonial languages became national languages, colonial legal systems became post-independence legal systems, colonial educational curricula shaped the aspirations and self-understanding of generations, and the economic structures of extraction and dependency were largely reproduced under new political arrangements. Against this backdrop, scholars and activists have argued that genuine decolonization requires going far beyond formal political independence to address these deep structural legacies — a project that remains radically incomplete everywhere it has been attempted.

Perspective: Ngugi wa Thiong'o

Ngugi wa Thiong'o, Kenyan novelist and literary theorist, is one of the most consequential voices on decolonization — having famously renounced the English language as his primary literary medium in favor of Gikuyu, and written the foundational text Decolonising the Mind. For Ngugi, decolonization is an urgent and specific project — one that begins with language but extends to the entire apparatus of culture, education, and self-understanding that colonialism installed.

"The most powerful instrument of colonialism was not the gun but the control of minds through language," he argues. "When African children were taught that their languages were primitive, their histories were absence, their cultures were superstition — and that English or French was civilization — this was not just education. It was the production of colonial subjects who would police themselves, who would measure their own worth against European standards and find themselves wanting." Ngugi insists that decolonization means taking this seriously — not as metaphor but as literal reclamation: of languages, of knowledge systems, of histories that were suppressed or distorted by colonial education.

He is skeptical of fashionable appropriations of decolonization that use the term while leaving its most challenging implications untouched. "When universities talk about 'decolonizing the curriculum' while continuing to teach entirely in European languages, with European epistemological frameworks, evaluated by European criteria — they are not decolonizing anything. They are making colonialism more comfortable."

Perspective: Achille Mbembe

Achille Mbembe, Cameroonian philosopher and author of Critique of Black Reason and Out of the Dark Night, offers a theoretically sophisticated account of decolonization that emphasizes its philosophical and temporal complexity — arguing that it is neither a simple political program nor a meaningless gesture but a difficult and ongoing intellectual project of rethinking the categories and frameworks through which the modern world is understood.

"Colonialism was not just a political and economic system — it was a regime of knowledge and being. It defined who counted as fully human, whose experience was universal, whose knowledge was valid, and whose ways of being in the world were civilized or primitive," Mbembe explains. "Decolonization means undoing those designations — not by simply reversing them but by questioning the entire framework that made them seem natural and necessary."

Mbembe is critical of reductive or identitarian versions of decolonization that simply substitute African or indigenous content into frameworks that remain fundamentally colonial in structure. "The goal is not to Africanize colonialism — to have Black people occupy the same structures and pursue the same goals that colonialism established. The goal is to rethink what knowledge is, what development means, what a good life looks like — from foundations that are not already organized by colonial categories." He acknowledges this is extraordinarily difficult work that has barely begun but insists it is the only decolonization worth the name.

Perspective: Walter Mignolo

Walter Mignolo, Argentine semiotician and author of The Darker Side of Western Modernity, approaches decolonization from the perspective of decolonial theory — a framework developed primarily by Latin American scholars that situates colonialism within the longer history of Western modernity and argues for epistemic disobedience as its primary response.

"The crucial insight of decolonial thinking is that modernity and coloniality are two sides of the same coin — you cannot have the Enlightenment, industrial capitalism, and liberal democracy without the conquest, slavery, and dispossession that underwrote them," Mignolo argues. "Decolonization is therefore not just about correcting specific injustices — it is about questioning the entire epistemic architecture through which the modern world understands itself and judges what is rational, progressive, and civilized."

Mignolo is deeply concerned about the domestication of decolonization into institutional reform that leaves the fundamental epistemic hierarchies intact. "When elite universities add diversity requirements, include non-Western texts on syllabi, and hire scholars of color — while continuing to operate according to the same metrics of excellence, the same citation practices, the same journal hierarchies that reproduce Western epistemic supremacy — this is not decolonization. It is diversification within colonialism." He advocates for 'delinking' — a genuine turning away from colonial frameworks toward pluriversal alternatives that can exist on their own terms rather than in perpetual dialogue with the Western canon.

Editorial Synthesis

Where Experts Agree

All three experts agree that colonialism's legacies are profound, multidimensional, and far from over — extending into language, knowledge, law, economy, and self-understanding in ways that formal political independence did not resolve. There is consensus that institutional deployments of 'decolonization' that leave fundamental structures intact are inadequate and potentially serve to legitimize rather than transform colonial arrangements. All insist that genuine decolonization requires engaging with its most challenging implications rather than selecting comfortable versions that avoid structural transformation.

Where Experts Disagree

Ngugi emphasizes the primacy of language as both the site of colonial damage and the starting point for decolonization. Mbembe focuses on the philosophical and ontological dimensions — the categories and frameworks through which reality is understood. Mignolo emphasizes the epistemic architecture of modernity and argues for delinking as the necessary response. The experts also differ in their assessments of what partial reforms can accomplish and the relationship between decolonization and universalism.

Why This Matters

The decolonization debate is not merely academic — it concerns the terms on which formerly colonized peoples participate in global knowledge production, political life, and economic development. It shapes what is taught in schools, what counts as expertise, whose histories are remembered, and what futures are considered possible.

Getting the analysis right matters because misdiagnosis leads to inadequate treatment: if decolonization means only diversifying existing frameworks, the structural sources of epistemic inequality remain intact; if it means wholesale rejection of everything associated with the West, it may sacrifice insights and alliances that genuine emancipatory projects need. Navigating this tension requires intellectual honesty, historical depth, and the courage to follow the argument wherever it leads — including into uncomfortable territory for institutions and individuals on all sides of the debate.

Expert Viewpoints

Erin Lowry — Author and Personal Finance Expert

"Access to Credit"

Position: Pro_side_b

Ryan F. Edwards — Certified Financial Planner (CFP)

"Financial Illiteracy Concern"

Position: Pro_side_a

Mary A. Smith — Tax Attorney

"Balanced Perspective"

Expert Context

Erin Lowry

Erin Lowry

Author and Personal Finance Expert

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Ryan F. Edwards

Ryan F. Edwards

Certified Financial Planner (CFP)

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Mary A. Smith

Mary A. Smith

Tax Attorney

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TheFacturation's Take

Editorial Verdict

The Dual-Edged Sword of BNPL: Empowerment or Illiteracy?

The rise of Buy Now, Pay Later services undeniably grants younger consumers greater access to goods and can enhance financial flexibility. However, as experts like Erin Lowry point out, this convenience often comes with a hidden cost: a potential decline in financial literacy and an increased risk of debt. While Ryan F. Edwards offers a more balanced view, recognizing the utility of BNPL when managed wisely, the risk of dependency cannot be ignored. For BNPL to truly empower consumers, it must be complemented by robust financial education. As this trend continues to gain momentum, stakeholders—ranging from educators to financial institutions—must prioritize teaching young consumers the fundamentals of budgeting and debt management. Ultimately, finding a balance between accessibility and informed decision-making will determine whether BNPL strengthens financial literacy or fosters a culture of reliance.

Cautiously Optimistic

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