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The Late Emilio Mwai Kibaki
Consumer Education

Gone But Not Forgotten: Recalling Kenya’s Era of Bold Ambition

Join us in a nostalgic journey through Kenya’s vibrant past, where the years between 2000 and 2010 were characterized by monumental growth and larger-than-life achievements. From visionary CEOs like Titus Naikuni and Martin Oduor to iconic media personalities such as Louis Otieno and Julie Gichuru, the era was marked by unprecedented success and influence across various sectors. However, as we reflect on these glory days, we also recognize the need to chart a new course for our nation’s future. It’s time to harness the lessons of the past and reignite the spirit of innovation and progress that defined Kenya’s golden era. Join the conversation and be part of shaping a brighter tomorrow for all.

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CEO Profile

Nasim Devji: DTB’s Powerhouse CEO.

From humble beginnings to shattering glass ceilings, Nasim Devji’s journey as the first female CEO of a Kenyan bank is one of resilience, ambition, and impact. Discover her rise to leadership and how she transformed Diamond Trust Bank into a regional powerhouse.

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CEO Profile

Njuguna S. Ndung’u: The Silent Architect of Kenya’s Economic Landscape

Imagine 2007 Kenya: cash reigns supreme. Then, a “Eureka!” moment – mobile money using Safaricom’s vast network. But bureaucracy often says NO. Enter Njuguna Ndung’u, the Governor who said YES, paving the way for M-Pesa’s success and 84% financial inclusion today. Now Finance Minister, can he navigate Kenya’s economic challenges?

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Fintech News & Updates

How the Kenyan Government Can Support the Growth of the Tech Sector.

Delve into the dynamic landscape of Kenya’s tech sector, poised for unprecedented growth. While the nation boasts a vibrant startup ecosystem and a tech-savvy youth population, strategic government support is crucial for unlocking the sector’s full potential. From cultivating competent leadership to narrowing gender gaps and enacting policies that foster innovation, this article explores key recommendations for steering Kenya’s tech industry toward sustainable success.

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CEO Profile

WIRED FOR SUCCESS: THE STORY OF JOHN GACHORA.

Discover the inspiring life story of John Gachora, born in a Kenyan village, who rose to become the Group CEO of NCBA Group. From his early aspirations in electrical engineering to navigating Wall Street and leading Absa Bank’s expansion into Africa, Gachora’s journey exemplifies resilience, audacity, and a commitment to success.

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Banking News

Dr. Peter Munga: The Visionary Who Transformed Banking in Kenya and East Africa.

Discover the inspiring life of Peter Munga, born in 1943 in Nyagatugu village, who rose from humble beginnings to become the founder of Equity Bank. Munga’s journey from a provincial administration officer to a visionary entrepreneur is marked by resilience, determination, and a commitment to fighting poverty through financial empowerment. Learn how Equity Bank, under Munga’s leadership, evolved from a microfinance institution in Kangema to a cross-border corporate giant.

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CEO Profile

SHIVANI SIROYA: THE TALE OF TALA.

Dive into the narrative of Shivani Siroya’s entrepreneurial journey, from her background in global health to the founding of Tala. Learn how Tala, under Siroya’s leadership, has revolutionized digital lending, disbursing billions to underserved populations. Siroya’s commitment to financial inclusion has transformed Tala into a global force, challenging traditional finance norms.

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Consumer Education

Should Africa Nations Sacrifice Fossil Fuels for Climate Change?

Unravel the complexities of economic development and environmental stewardship in the context of hydrocarbon exploration. This article delves into the practical and economic concerns faced by African nations, emphasizing the need for a balanced approach to combat climate change without compromising economic stability. Is the expectation for climate action disproportionately affecting economically disadvantaged countries? Find out more about the growing discourse and the call for compensations in this exploration.

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Fintech News & Updates

Blockchain Innovation Explained.

Explore the intricacies of blockchain beyond the buzzwords. This feature takes you on a journey through the fundamentals of this transformative technology, breaking down complex concepts into easily understandable terms. From its role in cryptocurrencies to diverse applications in healthcare, supply chains, and art, this guide paints a vivid picture of a future where blockchain revolutionizes industries and redefines our digital landscape.

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Consumer Education

Kenya’s Financial Inclusion Mirage: Beyond the Hype of Mobile Money.

While Kenya’s mobile money revolution has granted access to financial services for over 75% of its population, a closer look reveals a gap between access and impact. The focus on digitizing money delivery, not the products themselves, results in a hollow form of inclusion. True financial inclusion goes beyond access; it entails active utilization of diverse financial tools. This article delves into the need for a collaborative effort to nurture genuine financial inclusion in Kenya, addressing the ‘digital divide’ and empowering individuals to build a better future.

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Consumer Education

Transforming the Loan App Victims Kenya Group: From Victims to Responsible Borrowers

Delve into the paradox of the ‘Loan App Victims Kenya’ Facebook group, where individuals grappling with debt have the potential to drive positive change. This essay uncovers the root causes of financial struggles, emphasizing the need to transition from victimhood to responsible borrowing. Explore a multi-faceted approach involving financial literacy workshops, peer support, and collaboration with lending platforms. Witness the group’s transformation into advocates for financial empowerment, fostering a community committed to responsible financial decisions and positive change.

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Consumer Education

Advocating for Regulatory Clarity in Motorcycle Financing

As Kenya’s bodaboda industry witnesses unprecedented growth, the spotlight is on microfinancing players who have played a pivotal role in this trajectory. With an impressive 90% of motorcycle sales financed by these players, they bridge the financial inclusion gap and assume substantial risks for the industry’s growth. However, recent regulatory discussions have highlighted gaps, urging a collaborative effort to address issues and provide clarity. This article emphasizes the critical need for an open forum to foster regulatory solutions, ensuring the continued prosperity of an industry that impacts millions of lives.

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Consumer Education

The Lehman Bankruptcy and the Birth of Modern FinTech.

Dive into Numerix’s remarkable journey post-Lehman Brothers collapse, where visionary leadership and transformative innovations reshaped risk management. Discover how Steve O’Hanlon’s strategic shift propelled Numerix into a front-to-risk enterprise systems leader, showcasing the profound impact of FinTech evolution in the aftermath of the 2008 financial crisis.

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Fintech News & Updates

Navigating the Term Sheet and Sealing the Deal: A Guide for Startup Founders. 

Embark on a journey to master term sheet negotiations with this comprehensive guide tailored for Kenyan startup founders. Learn the intricate details, from valuation essentials to board control considerations, and discover how to seek expert guidance effectively. Dive into the nuances of the local market context, understand investor preferences, and navigate the complexities of intellectual property protections and data privacy. Avoid common mistakes, empower yourself with knowledge, and pave the way for a successful funding round in the dynamic landscape of Kenyan startups.

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Banking News

The Future of Banking in Kenya: Open, Flexible, and Customer-Centric.

Witness the banking revolution in Kenya as Banking as a Service (BaaS) and Open APIs redefine the financial landscape. From seamless integrations to personalized customer experiences, these technologies are propelling rapid innovation and expanding access to financial services. Learn how Kenyan fintech companies, including M-Pesa, Paystack, SasaPay, and Skaleet, are leveraging APIs and BaaS to create innovative solutions, paving the way for a customer-centric, open, and flexible future of banking in Kenya.

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Fintech News & Updates

How Bitcoin Works.

Discover the inner workings of Bitcoin transactions, where a decentralized network ensures security and transparency. From creating unique transaction codes to the rewarding process of proof of work, follow the journey of a Bitcoin transaction. This step-by-step guide unveils the complexity behind the decentralized world of Bitcoin, showcasing its potential to reshape the future of global finance.

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Fintech News & Updates

Breaking Barriers and Building Empires: A list of the World’s Tech Unicorns

The term “unicorn” takes on a new meaning in the context of Africa—a symbol of groundbreaking innovation and entrepreneurial prowess. Fueled by a spirit of disruption, a wave of fintech unicorns is transforming traditional industries, creating unprecedented opportunities for millions across the continent. From Nigeria’s Flutterwave to South Africa’s Yoco, delve into the stories of Africa’s unicorns, driving not only financial success but also shaping the future of the tech industry.

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FinTech Revolution

Cryptocurrencies: A Paradigm Shift in Finance or a Speculative Bubble?

Dive into the multifaceted world of cryptocurrencies, where debates on legitimacy and scam allegations coexist with unprecedented growth. From the rise of market capitalization to the FTX scam’s dark side and Bitcoin’s turbulent history, this exploration goes beyond the surface. Elon Musk’s influence adds another layer, showcasing the power of individual figures in shaping the crypto market. Discover the complexities, challenges, and controversies that define the cryptocurrency industry.

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Copyright: Johannes P. Christo
Consumer Education

A Cautionary Tale of IMF Loans: Economic Entrapment and Sustainable Growth.

Kenya’s encounter with IMF loans in the 1990s serves as a stark reminder of the perils associated with external debt. This article unravels the story, shedding light on how the IMF’s conditionalities, such as the imposition of a value-added tax (VAT) on fuel, can lead to short-term fiscal boosts and long-term economic downturns. Examining the pitfalls of IMF-imposed SAPs, it urges developing nations to exercise caution and prioritize sustainable economic growth over quick fixes.

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Consumer Education

EMPOWERING SEAMLESS TRANSACTIONS THROUGH PAYMENT PROCESSING 

Discover how Avadapay is revolutionizing financial transactions and communication strategies. From optimizing transactions with elements like convenience, security, global reach, flexibility, and efficiency to enhancing business communication through Bulk SMS Solutions with real-time delivery, tracking, flexible pricing, and personalized branding—Avadapay stands as a leader in the fintech landscape. Uncover insights into why businesses are turning to Avadapay for seamless and efficient solutions in today’s digital era.

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Consumer Education

Data Analytics in Africa: AI, ML, Cloud, and the Growing Need for Data Experts.

Dive into the realm of data analytics trends shaping Kenyan businesses. From the pivotal role of AI and machine learning to the strategic adoption of cloud technology, discover how these trends influence decision-making, customer segmentation, fraud detection, and predictive maintenance. Unearth the significance of the data mesh design pattern for improved data governance and compliance. Recognize the growing demand for data experts in Africa and explore companies offering data analytics services. For businesses in Kenya, actionable tips await on setting goals, choosing the right tools, and investing in employee training to kickstart a successful data analytics journey.

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FinTech Revolution

Understanding Blockchain vs. Cryptocurrencies and Hiring the Right Developer.

Clear the confusion surrounding blockchain and cryptocurrencies in Kenya. Understand the fundamental differences and explore the extensive applications of blockchain beyond digital currencies. Delve into the essential considerations when hiring blockchain developers for your Kenyan business. Learn about the transformative potential of blockchain technology across finance, supply chain, healthcare, and retail. Equip yourself with practical tips for finding and engaging skilled blockchain developers on platforms like LinkedIn, Clutch, Stack Overflow, and Upwork.

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Fintech News & Updates

Flutterwave Gets International Remittance License in Malawi, to Power Remittances and Boost Economic Growth.

Flutterwave, Africa’s foremost payments technology company, expands its reach into Malawi with the acquisition of an IMTO license. This milestone not only empowers millions of Africans abroad but also contributes to economic growth, exchange rate stability, and infrastructure development in Malawi. Explore the benefits and commitment behind Flutterwave’s cross-border remittance solution, Send App, as it opens new possibilities for residents in Malawi.

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Banking News

NAVIGATING THE FUTURE OF BANKING: CHOOSE YOUR CORE BANKING PLATFORM WISELY

Dive into the dynamic world of banking technology with our comprehensive guide on choosing the right Core Banking Platform. From technological considerations like API integration and microservice architecture to functional aspects such as integrated services and notification systems, and critical contractual considerations for smooth migration, this guide covers it all. Make informed decisions to ensure your institution’s success in the ever-expanding fintech landscape.

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Photo generated by AI
Fintech News & Updates

A David vs. Goliath Tale: Can Google’s Reign Over Internet Search Be Challenged?

Step into the intriguing battle where the U.S. Justice Department takes on Google in a historic antitrust showdown. In this modern David vs. Goliath saga, Google’s dominance faces scrutiny. Explore the echoes of the 1998 Microsoft antitrust case, the colossal sums at play, and the potential transformation of the digital landscape. Join us on this journey as the trial unfolds, holding the promise of reshaping our digital future.

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FinTech Revolution

Meta Spearheads the AI Revolution in Africa

In an era where artificial intelligence transforms how we interact with the web, Meta is leading the charge in Africa. The company’s groundbreaking AI newsreader marks a pivotal moment for the African digital landscape, highlighting the future of AI and presenting a golden opportunity for investors.

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blockchain dymistified
FinTech Revolution

Demystifying Public Blockchains: Unveiling the Truth for Businesses

Discover the revolutionizing impact of blockchain on global industries and the common misconceptions hindering its adoption. This article delves into the intricacies of data security, dispelling myths around private and public blockchains. Uncover the fallacy of data concealment, the nuances between permissioned and permissionless blockchains, and the strength in numbers that makes public blockchains virtually hack-proof.

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Consumer Education

Black Tax Relief in Income Tax: A Necessary Step to Address Financial Hardship

The weight of black tax in Kenya affects individuals across economic backgrounds. From struggling families in rural areas to professionals who’ve served in international organizations, many face the challenge of supporting extended families. This article makes a compelling case for the Kenyan government to introduce income tax relief as a solution, discussing its potential to spur economic activity, reduce poverty, and enhance social cohesion.

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Fintech News & Updates

Smart Investing in Fintech: A Guide for Kenyan Investors

Kenyan fintech companies, including industry trailblazers like Safaricom, are reshaping the financial landscape. M-Pesa’s innovative solutions, such as Fuliza overdraft, have transformed access to financial services. For Kenyan investors, this presents a golden opportunity, but navigating risks is crucial for maximizing returns.

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FinTech Revolution

Streamlining SACCO Operations Through Fintech Innovations

Uncover the dynamic shift in Kenyan SACCO operations as fintech platforms usher in a new era of efficiency, digital banking, and data-driven insights. Kwara, Wakandi, and M-Tawi stand at the forefront, redefining the landscape with innovative solutions.

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FinTech Revolution

Unlocking The Potential Of Blockchain In Africa

Delve into Africa’s fintech landscape and witness the transformative power of blockchain technology. From empowering the unbanked to revolutionizing land ownership and supply chains, blockchain is paving the way for economic growth and inclusivity. Despite challenges, Africa’s digital future shines brighter with blockchain at its core, unlocking vast potential and opportunities.

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Fintech News & Updates

Juliana Rotich, Head of M-Pesa, Joins Bill & Melinda Gates Foundation Board

Discover the significant role played by Juliana Rotich, Head of Fintech Solution (M-Pesa) at Safaricom, on the Bill & Melinda Gates Foundation Board. With a focus on AI, Rotich aims to drive positive impact in global health and development. Her leadership underscores the foundation’s commitment to ethical AI investments and leveraging technology for the greater good.

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FinTech Revolution

A Newbie entrepreneur’s guide to crafting a compelling pitch for potential investors.

Discover the keys to startup success as Vusi Thembekwayo shares his insights on investor pitching. From avoiding easy-to-replicate business models to embracing commitment and seizing opportunities, learn the principles that drive successful startups. Navigate the art of crafting a compelling pitch deck and stay resilient in the competitive startup landscape.

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Dhow CSD to Make Government Securities Accessible to All Kenyans

The launch of Dhow CSD marks a significant step towards democratizing government securities trading in Kenya. With a digitized registration process and accessibility for all, Kenyans can now easily lend money to the government, enjoying high-interest rates without intermediaries. Explore the potential impact on banks’ liquidity and the broader financial sector.

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FinTech Revolution

Traditional meets Digital: The Role of Fintech in Preserving Kenya’s Financial Traditions.

This article delves into the symbiotic relationship between fintech platforms and Kenya’s financial traditions. From Chamas to loans and payments, fintech innovations seamlessly integrate with and respect established practices. Discover how platforms like M-pesa, Thunes, and Flutterwave digitize financial processes without compromising the essence of Kenya’s financial beliefs, offering a bright future while preserving tradition.

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Fintech News & Updates

Why are Kenya’s financial institutions reluctant to embrace Cloud Computing?

Uncover the evolution of cloud computing from its early concepts to its current forms, emphasizing its benefits for financial institutions. Despite the advantages, challenges such as security, compliance, and data sovereignty persist. The article delves into the unique landscape of cloud computing in Kenya and South Africa, spotlighting key players and identifying factors influencing adoption. Discover the strategies cloud service providers can employ to encourage increased adoption in the evolving African tech landscape.

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Banking News

State agencies must embrace Sharia-compliant loans

Kenya’s diverse landscape encompasses a vibrant Muslim community, constituting a significant portion of the population. This article advocates for the introduction of Sharia-compliant Islamic finance loan facilities within government lending agencies to cater to the unique financial needs of this community. Embracing diversity and ethical financial principles, Kenya can set a progressive example for inclusive financial empowerment.

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Banking News

Rising Interest Rates Reignite Calls for Interest Rate Controls

Baringo North MP Joseph Makilap’s Bill seeks to reintroduce interest rate controls amid soaring rates. The proposal advocates for multiple rate corridors based on risk profiles to avoid the pitfalls of past attempts. Find out how this regulatory tool aims to foster economic stability.

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FinTech Revolution

What is Blockchain?

Unhackable, transparent, and distributed – blockchain is not just for cryptocurrency anymore. Discover how this game-changing technology is building trust and efficiency across healthcare, supply chains, voting systems, and more.

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Fintech News & Updates

HOW TO PREPARE FOR THE WORSENING ECONOMIC TIMES.

In these uncertain times, many people are worried about the future of the economy. If you’re feeling unprepared, don’t panic! This guide offers practical steps you can take to weather any storm, including building a financial safety net, investing in passive income, and adopting a flexible lifestyle.

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Fintech News & Updates

How to open a CDS account and invest in Treasury Bonds and Bills ONLINE – Step by Step Guide.

DhowCSD, the new platform for Kenyan investors, offers convenient mobile app and online registration for your CSD account. Explore the secondary market, invest in securities, and receive payments digitally. Experience faster setup, user-friendly interface, and efficient account management. Download the DhowCSD app or register online today!

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Fintech News & Updates

How the Finance Bill 2023 Will Change How You Do Business in Kenya.

The Kenyan tax landscape is set for a major shift with the introduction of mandatory e-invoicing through the Finance Act 2023. This article delves into the implications of the new e-tims system for companies, individuals, and the Kenya Revenue Authority (KRA). It also highlights crucial aspects left unaddressed by the Act, potentially leading to confusion and compliance challenges.

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FinTech Revolution

THE FUTURE IS HERE: FINTECH IN AFRICA

Africa’s Fintech revolution is reshaping the continent’s financial landscape. Witness the impact of mobile money, from M-pesa’s success to a $3 trillion growth projection. Explore fintech hubs like Kenya, Nigeria, and South Africa shaping the future of finance.

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Fintech News & Updates

Netflix Tech Stack: An Overview

Netflix’s tech stack isn’t just impressive, it’s revolutionary! Explore the front-end tools crafting a captivating user experience, and delve into the back-end muscle powering global streaming. Learn why their strategic tech choices keep them ahead of the game.

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Banking News

The Evolution of the ATM Machine

Forget ATMs as just cash machines! Journey through their remarkable evolution, from radioactive beginnings to 24/7 banking powerhouses. Discover how innovation & human ingenuity transformed a bathtub epiphany into our financial savior!

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FinTech Revolution

Ecobank Fintech Challenge 2023

Elevate your African fintech startup! Showcase your solution at Ecobank’s Challenge & gain access to funding, market expansion, & collaboration with Africa’s leading bank. Apply now & join the continent’s fintech revolution!

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Regulations and Policy

Legal and Policy highlights – Budget 2023/24

Budget 2023/24 highlights major legal and institutional reforms aimed at fostering growth for MSMEs and marginalized groups. This includes financial sector stability, enhanced payment systems, pension coverage expansion, and insurance sector growth

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FinTech Revolution

A guide to Kenya’s Fintech Regulatory Framework.

Explore how Kenya is shaping the future of Fintech in Sub-Saharan Africa. This article breaks down the country’s unique regulatory approach, covering key sectors like mobile payments, digital lending, and money remittance operations.

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FinTech Revolution

Envisioning a Week Without M-Pesa.

A hypothetical week-long M-Pesa downtime could cause significant economic disruption and social inconvenience in Kenya, highlighting the critical role of M-Pesa in day-to-day transactions and the nation’s economy.

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FinTech Revolution

Digital Wallets Vs. Mobile Wallets.

Say goodbye to bulky wallets! Digital wallets & payment gateways offer secure, seamless transactions at your fingertips. P2P transfers, e-commerce payments, bills & tickets – manage it all with enhanced security & global reach.

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Digital Lending

Fingo Acquires 50,000 Waitlist of Customers in 24 Hours Following Launch of Digital-Only Bank

Discover Fingo, the Kenyan fintech startup founded in 2021, transforming financial services for African youth. Backed by Y Combinator and securing $4 million in seed funding, Fingo partners with Ecobank for a pan-African rollout, starting as Kenya’s first digital-only bank. Offering quick, digital banking solutions tailored for youth, Fingo is poised for significant growth.

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Consumer Education

Accelerator vs. Incubator: What’s The Difference?

From seed funding to expert guidance, Africa’s FinTech startups find fertile ground in thriving hubs! Explore the top 21 accelerators & incubators fueling innovation, solving real-world problems, and shaping the future of finance.

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fintech kenya
FinTech Revolution

The History and Definition of FinTech.

From Citicorp’s pioneering consortium to mobile wallets and beyond, uncover the journey of “FinTech.” Discover its evolving definition: just tech, a booming industry, or a transformative wave in finance?

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Consumer Education

Responsible AI: Essential Guidelines for Success

Harnessing AI’s potential is key for driving innovation and growth at various tech firms. However, as companies delve further into this powerful technology, acting responsibly and ethically is paramount. Below

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Consumer Education

Wash Wash 2.0: Even Wakanda Needs Protection.

Let’s face it. Cyber scams are not a question of “if”, rather than “when”. I bet you’ve heard or come across ‘Silicon Savannah’ somewhere. That’s Kenya, a country flourishing with

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CEO Profile

Lami: The Insurance Innovator Making Waves in Kenya.

Meet the game-changer in Africa’s insurance industry: Jihan Abass’s Lami. Revolutionizing the sector with digital innovation, Lami stands out by simplifying insurance processes, making comprehensive coverage accessible to millions across the continent.

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