On this episode of My Tech Story Africa, host Alice Kanjejo sits down with Angela Mukami, Senior Product Manager at M-KOPA, for an eye-opening conversation about the realities of building financial products for everyday people across Africa.Angela pulls no punches as she unpacks what truly separates thriving Buy Now Pay Later models from those that collapse.From product design flaws and overselling by sales agents, to underestimating the income volatility of daily earners and the true cost of distribution, Angela brings sharp, ground-level insight that only comes from years of real-world experience.Drawing a fascinating line from her mother buying a radio on hire purchase in 1987 through a company called African Retail Traders, to today's mobile-enabled BNPL platforms, Angela shows that the concept isn't new what's changed is the technology, the terminology, and the scale. Yet the human element remains non-negotiable.In African markets, she argues, you simply cannot run a purely digital business. Trust is built face-to-face, transparency is everything, and customers deserve to know exactly what they're getting into , in a language they understand.The conversation goes broader as Angela challenges the "One Africa" strategy myth, reminding us that Africa's 54 countries carry 54 different regulatory frameworks, infrastructures, cultures, and realities. She's equally direct about the mistakes global teams make when entering African markets designing beautiful products in Silicon Valley or London, with zero input from the people actually living the problem.Angela also reflects on her own journey , from FMCG to Safaricom to Microsoft and beyond crediting curiosity, a customer-first mindset, and transferable soft skills as the true connective tissue across industries.And when it comes to career growth, she breaks the networking myth with refreshing honesty: all her roles came through straightforward applications and interviews.She closes with a deeply personal and powerful reminder , between the seed and the harvest, there is always time. Give yourself grace.To keep up with Angela Mukami check out her LinkedIn:https://www.linkedin.com/in/angela-mukami-k/Check out :https://www.m-kopa.com/00:00: Intro01:56: Why Some BNPL Models Succeed While Others Fail 03:46: The Origins of BNPL06:36: What the Industry Underestimates About Low-Income Markets 09:29: What Does Success Actually Look Like for a BNPL Business? 11:33: Loan Uptake vs. Repayment: The Kenyan Reality 16:08: Building Trust With Customers Who Have No Credit History 20:05: Why the "One Africa" Strategy Doesn't Work 24:21: Career Journey: FMCG to Safaricom to Microsoft and Beyond 27:51: Is Networking Really the Only Way to Grow Your Career? 30:25: Lessons from Microsoft33:00: The Biggest Mistakes Global Teams Make in African Market38:04: Final Reflections__________________________________________________________________Join Alice as she explores the world of tech and shares impactful stories with guests on My Tech Story Africa!Subscribe to our podcast, drop a like, comment, and hit the notification bell to stay updated with our latest content.Don't forget to spread the word! Sharing is caring! 🌟Follow us on social media:📸 Instagram: https://www.instagram.com/mytechstoryafrica💼 LinkedIn: https://www.linkedin.com/company/my-tech-story-africa♪ TikTok: https://www.tiktok.com/@mytechstoryafricaJoin our community: [https://www.mtsafrica.co/join]Interested in being a guest on the podcast? Apply here: https://forms.gle/ffAniezzFHoEvhPY7