Pure Digital Passion with Moses Kemibaro Moses Kemibaro

In the latest episode of the Pure Digital Passion podcast I got to have an inspiring conversation with Kiiru Muhoya, the co-founder and CEO of Fingo. At just 27 years old, Kiiru is on a mission to transform the financial landscape for young Africans through Fingo, a fully digital bank, or ‘neobank’, tailored to their needs. 

From Humble Beginnings To Visionary Fintech Leader

Kiiru recounted his educational journey, starting from his early years in Kenya, attending schools like Braeside and Brookhouse, to studying philosophy, politics, and economics at the University of Warwick in the UK which played a crucial role in shaping his aspirations.

His time at Warwick was transformative, providing him with a broader perspective on Africa and igniting his passion for entrepreneurship and innovation which led him to the fintech space. His drive to make a difference culminated in the founding of Fingo, a digital bank designed to empower Africa’s youth.

The Birth of Fingo

The idea for Fingo was born out of Kiiru and his co-founders’ desire to address the financial challenges faced by young people in Africa. They decided to bootstrap the startup, and their dedication paid off when Fingo was accepted into the highly regarded Y Combinator in 2021. 

In our conversation, Kiiru shared the origin of the name “Fingo,” which stands for “finance on the go.” This name embodies their mission to provide fast-moving financial services that fit seamlessly into the lives of young Africans.

Strategic Partnerships & Innovative Features

A significant milestone in Fingo’s journey was the strategic partnership with Ecobank. This partnership has been instrumental in Fingo’s operations, enabling them to leverage Ecobank’s extensive network and resources. Fingo’s app stands out for its user-friendly features that resemble social media platforms, making financial management engaging and intuitive for users.

Fingo’s app incorporates social media-like features such as chat bubbles when sending money, making the experience feel personal and engaging. This design choice was inspired by successful global digital finance apps like Cash App and Monzo, aiming to make banking as intuitive as using a social media app.

Rapid Growth & Success

Fingo’s growth has been nothing short of remarkable. Just six months ago, they celebrated reaching 100,000 customers. Today, Fingo proudly serves 150,000 customers, a clear demonstration of their impactful strategies and the pressing need for their services. Kiiru attributes this rapid growth to a combination of innovative features, strategic partnerships, and a deep understanding of their target demographic — Africa’s youth. 

Overcoming Challenges

Scaling a startup is never without its challenges. Kiiru candidly shared some of the obstacles they faced, from regulatory hurdles to technological issues. However, with a clear vision and a dedicated team, Fingo has managed to navigate these challenges effectively, continuing to grow and innovate.

Empowering Africa’s Youth

At the heart of Fingo’s mission is a commitment to cater to the financial needs of young Africans. Fingo’s services are designed to help users manage their finances better, create wealth, and secure their financial futures. With 70% of sub-Saharan Africa’s population under 35, Fingo is poised to make a significant impact.

Looking Ahead

Kiiru’s vision for Fingo is ambitious. Over the next 2 to 5 years, he plans to expand Fingo’s reach across not just Africa but globally with an ambitious and possibly audacious intention to bring their unique flavour of innovative financial solutions to more young people. Beyond professional success, Kiiru emphasizes the importance of balance, sharing how he unwinds by playing FIFA and ensuring he has time for personal pursuits.


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In this edition of the Pure Digital Passion podcast, I had the pleasure of having a quick catchup with Farouk Ramji, the CEO of Mawingu, Kenya’s largest ISP dedicated exclusively to rural and peri-urban markets.

Our last conversation was in October 2022, and since then, Mawingu has experienced remarkable growth and transformation. Here’s a summary of our discussion about Mawingu’s journey and future plans:

A New Home Base

One of the first things Farouk and I discussed was their brand new office at ABC Place in Westlands, Nairobi. This move marks a significant upgrade from their previous co-working space, reflecting the company’s growth and increased workforce.Following a Series B equity round of $9 million closed in January 2023, Mawingu has expanded to 28 counties, serving nearly 20,000 active subscribers with a dedicated team of 200 people.

Expanding Network and Reach

Farouk highlighted the aggressive network rollout in 2023, which saw Mawingu expanding from 11 to 28 counties. The challenge now lies in acquiring the necessary capacity to continue this growth, especially in areas like Mandera. Despite these hurdles, Mawingu remains focused on its mission to provide affordable internet access to underserved regions.

Strategic Positioning and Competition

Mawingu’s strategy has always been to target underserved markets, avoiding direct competition with major players. By employing versatile technology — wireless, fibre, and green-energy solutions — they can adapt to varying terrain and market conditions. This approach allows them to offer competitive pricing and high-quality service, differentiating themselves from both large mobile network operators and smaller unlicensed resellers.

Fibre Technology and Future Plans

The transition to fibre technology is a key part of Mawingu’s strategy. In markets like Nyeri, they have already deployed extensive fibre networks, offering superior quality and reliability compared to wireless solutions. By the end of 2024, they aim for 8% of their subscriber base to be on fibre, with plans to grow this into double digits.

Community Impact with Mawingu.org

A key initiative from our conversation is Mawingu.org, a community-focused program aimed at connecting schools and other institutions in underserved areas.There are over 150 schools connected and this initiative provides affordable internet that transforms education and opens up new opportunities for students and teachers alike.Supported by grant funding from Microsoft, Mawingu.org is set to expand further, connecting 50 to 100 schools in each operational county.

Financial Sustainability and Future Expansion

Farouk proudly shared that Mawingu is not only performing well in Kenya but is also financially sustainable, with positive unit economics and cash flow. This strong foundation sets the stage for potential expansion beyond Kenya, replicating their successful model in other regions.

Conclusion

Mawingu’s journey from a small Internet Service Provider (ISP) in Nanyuki to a major player in Kenya’s internet landscape is a reflection of their innovative approach and commitment to serving underserved markets.

As they continue to grow and expand, their impact on communities and the broader digital landscape in Kenya is undeniable. It was a pleasure to catch up with Farouk and hear about the exciting developments at Mawingu.


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In this edition of the Pure Digital Passion podcast I had the pleasure of hosting Kamal Budhabhatti, the founder and CEO of Craft Silicon, Little, and BluBeetle. Kamal’s journey from India to Kenya and his impact on the technology landscape in Kenya and Africa is nothing short of mind blowing! Here’s a summary of our insightful conversation.

Early Beginnings & His Journey To Kenya

Kamal shared about his humble beginnings in India and how he ventured into technology. His journey to Kenya started when a friend working in Kenya helped him secure a job. It was a significant event, as over 50 family members saw him off at the airport.

However, upon arrival, he found himself doing basic data entry tasks, which was not what he expected. A neighbor introduced him to a small bank needing a core banking system, and Kamal began moonlighting to assist them. Unfortunately, his employer discovered this and terminated him, sending him back to India the same day.

Determined to succeed, Kamal returned to Kenya with the support of his sister. He faced many challenges but gradually began developing software for the small bank. With the support of his landlord, who allowed him to stay rent-free, Kamal started onboarding more financial service providers, leading to the establishment of Craft Silicon.

Building Craft Silicon — From His Bedroom To 1,000+ Employees In Africa & Asia

Craft Silicon, which began as a one-person business, has grown into a leading financial services technology solutions provider with over 1,000 employees and operations in Africa and Asia.

Kamal’s big break came when he developed a core banking system for Equity Building Society, working closely with the legendary James Mwangi. This project was key as Equity Bank transitioned into one of Kenya’s largest banks.

Craft Silicon’s solutions are designed to integrate seamlessly with other financial systems, offering flexibility and affordability. A notable success is the recently launched SC Juza mobile lending app developed for Standard Chartered Bank in Kenya.

Founding Little — From Idea To Launch In 3 Weeks!

Kamal also shared the story behind Little, a ride-hailing service developed in response to the challenges faced by Uber drivers in Kenya. This was done with encouragement from Bitange Ndemo and support from the late Bob Collymore of Safaricom. Kamal and his team built the platform in just three weeks.

Today, Little has a Pan-African footprint, focusing primarily on servicing corporate clients and offering better compensation to driver partners. This approach has made Little particularly popular among women, who find it a safer option for evening rides.

Innovations and Future Plans — Create A US$ 1B Valued Business, Also Known As A Unicorn!

Kamal is also venturing into Generative AI with BluBeetle. Their new offering, BankGPT, is a multimodal chatbot designed to enhance customer experience through AI. This proposition leverages first-party data to deliver superior, customer-centric solutions at scale.

Looking ahead, Kamal aims to raise significant funding to start a massive fintech startup focusing on mobile lending across various markets. His vision is to create a unicorn — a billion-dollar valuation company.

Kamal believes in the potential of fundraising, provided startups have a practical plan for deploying funds toward sustainable business models.

Craft Silicon Foundation — Inspired By Humble Beginnings

Inspired by his own struggles growing up, Kamal established the Craft Silicon Foundation. The foundation operates in every market where Craft Silicon has an office, providing funding and learning opportunities for children from underserved communities.

Closing Thoughts & The Life Lessons For All

Kamal’s journey is nothing short of astounding and demonstrates how resilience, innovation, and the power of technology can transform lives — from being a freelance software developer in Kenya to running mu

In this episode of the Pure Digital Passion podcast I had the privilege of hosting Janice Kemoli, a seasoned Kenyan Marketing and Branding Advisor whose impressive career spans leading businesses such as Coca Cola, Colgate Palmolive, GSK, Barclays Bank (ABSA), East African Breweries (Diageo), Equity Bank, and most recently Prudential Insurance. Janice and I go way back to our days at Africa Online, one of Kenya’s pioneering Internet Service Providers over 20 years ago. Her journey and insights are nothing short of inspiring!

An Educational Marketing Journey From The US To Kenya & Beyond

Janice shared her story of pursuing a degree in Business Administration with a focus on marketing in the US. She described the challenges she faced, including tackling subjects like calculus and accounting, which were essential parts of the program. Despite initial intentions to stay in the US, she returned to Kenya after a thoughtful rejection from a potential employer encouraged her to leverage her skills back home.

Breaking Into Marketing & Branding

Upon returning to Kenya, finding a job proved challenging. Janice recounted how her mother didn’t initially understand what a career in marketing entailed, thinking it was the same as sales. However, with support from her father and determination, she landed her first role as a at Colgate Palmolive that led to her becoming a Brand Manager. This position allowed her to hone skills beyond traditional marketing, including financial projections, supplier collaboration, and packaging — emphasizing that all these tasks are integral to marketing when aligned with the 4Ps (Product, Price, Place, Promotion).

Advanced Marketing At Global Brands

Janice’s time at Coca Cola in South Africa was particularly enlightening. She shared anecdotes about the high-quality marketing and branding training provided at tertiary schools there, which often produces some of the best marketing professionals in Africa. Her experiences highlighted the structured and advanced approaches to marketing that she learned and implemented at Coca Cola and other global brands.

Creating A Unique Branding Framework

During the COVID-19 pandemic, Janice networked with senior marketing professionals globally and clarified her thoughts on the gaps in branding and marketing for indigenous Kenyan and African businesses. This led to the creation of a unique branding framework, which she currently deploys with leading businesses like Sarit Centre and Prudential Insurance, aligning with global standards she learned at top global brands.

The Importance of The 4Ps In Marketing & Branding

Janice provided a quick summary of why the 4Ps (Product, Price, Place, Promotion) matter:


Promotion: The role of communication is to create desire.
Product: The role of the product is to define the offer and benefits for the customer or consumer.
Place: The role of distribution is to make the product available or place the product at the convenience of the customer or consumer.
Price: The role of pricing is to define the value of your offer to the customer or consumer and bank the cheque.

Getting Mentorship & High-Quality Local Brands

Janice emphasized the importance of mentorship for aspiring and existing marketing professionals to enhance their capabilities. She also discussed the creation of high-quality local brands to international standards, citing the Social House Hotel in Nairobi as an example of a world-class, afrocentric experience that reflects the social personalities of its founders.

Conclusion

I am delighted that Janice shared her incredible journey in branding and marketing from both global and localised perspectives as well as the insights that come with decades of working experiences at leading organisations. Her dedication to advancing marketing and branding in Kenya and beyond is truly inspiring. To our audience, I hope this episode offers valuable insights into the power of strategic marketing and branding for

In this episode of the Pure Digital Passion podcast, I had the pleasure of hosting Maurice Matheka, one of Kenya’s and Africa’s only male professional relationship and sex therapists. Maurice is someone I know from my teenage years so its quite interesting I got to have him on my podcast. The truth be said, this podcast’s subject matter was completely uncharted territory for me as it had nothing in common with matters technology!

Maurice’s journey from growing up in Mombasa, studying and working in the UK, to becoming a full-time therapist in Kenya is nothing short of unconventional. During our candid and sometimes controversial conversation, we delved into the complexities of relationships, sexual satisfaction, and the societal factors impacting them. Buckle up!

The Importance of Honesty in Relationships

Maurice emphasized that many relationships fail due to a lack of honesty between partners. Whether it’s about the state of the relationship or individual needs, open communication is crucial. He pointed out that love alone does not guarantee the success of a relationship. Instead, an authentic friendship between partners is more important. Maurice believes that being honest from the onset can prevent many issues later on.

The Role of Religion and Societal Expectations

Our discussion touched on how religion often pressures individuals to stay in unhappy relationships. Maurice observed that this can lead to extramarital affairs as a form of escape. Additionally, he noted that young Kenyans often approach relationships transactionally, with money and resources being key drivers. This lack of a strong foundation can lead to unstable relationships.

The Struggles of Kenyan Men

Maurice shared that many Kenyan men feel unappreciated in relationships, seen only as providers rather than holistic beings who also need love and appreciation. This lack of emotional support can have severe consequences, including a rise in male suicide rates. Furthermore, he noted that many men are not being “masculine” enough, resulting in women finding them less appealing, even if they are married, leading to cheating and breakups.

The Importance of Sexual Satisfaction

A part of out conversation focused on sexual satisfaction. Maurice stated that unsatisfying sex is a major factor leading to infidelity among both men and women. He stressed the importance of getting the sexual aspect of a relationship right to ensure its overall success. Couples need to be honest about their sexual preferences and work together to maintain a satisfying sexual connection.

The Future of Relationships

Maurice’s outlook on the future of relationships in Kenya is somewhat pessimistic, given the current trends. However, he believes that both men and women can turn things around by having honest and candid conversations about their expectations and needs from the beginning. This proactive approach can prevent many issues that arise from unmet expectations and societal pressures.

Final Thoughts

Hosting Maurice Matheka on the Pure Digital Passion podcast was an eye-opening and even an uncomfortable experience at times!. His insights into the dynamics of relationships and sexual satisfaction are clearly invaluable even if they clearly challenge what may be many preconceived notions. By addressing these issues openly, couples can work towards healthier, more fulfilling relationships. Have a watch, or a listen, and keep an open mind!


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In this edition of the Pure Digital Passion podcast, I had the pleasure of hosting Martin Nielsen, the Founder and CEO of Mdundo, a mobile and ad-supported music service that has become one of Africa’s leading digital music platforms.

Although I have known Martin for a good number of years, our conversation was a truly eye-opening conversation about his incredible journey from starting Mdundo, building it over time and scaling it to where it is today.

Martin Nielsen’s Journey.

Martin’s journey to Kenya began in an unconventional way. He first traveled to Uganda as a university student for volunteer work, invited by a friend from Denmark. This experience marked the beginning of his deep connection with Africa. Later, in 2012, he moved to Kenya as an Entrepreneur in Residence for 88mph, an African investment fund focusing on early-stage tech startups. This role not only solidified his bond with the continent but also laid the groundwork for what would become Nairobi Garage.

The Birth of Mdundo

Inspired by his experiences and the vibrant technology startup ecosystem in Nairobi, Martin co-founded Mdundo. The company has since grown to become a clear leader in the African music industry, boasting millions of monthly active users primarily from Kenya, Tanzania, South Africa, Ghana, and Nigeria. Mdundo works with thousands of musicians across Africa and has secured licensing deals with major music groups like the Universal Music Group and Warner Music Group.

A Unique Business Model

Mdundo’s business model is unique and highly localized for the market in Africa. The service targets underserved consumer segments who cannot generally afford traditional subscription-based music streaming services like Spotify or Apple Music.

Mdundo offers affordable subscriptions through partnerships with mobile networks like Safaricom in Kenya and MTN in Nigeria. Users can pay for subscriptions using airtime and mobile money, making it accessible even to those with basic feature phones.

Additionally, Mdundo provides ad-supported music content, enabling free music downloads. This approach has attracted top-tier brands across the continent, making Mdundo’s offering both sustainable and appealing to a broad audience.

Growth and Achievements

Over the past decade, Mdundo has grown significantly, reaching tens of millions monthly active users in Africa, including 4 million in Kenya alone. The service has an annual reach of 205 million consumers across the continent and pays out approximately US$ 1.5 million in music royalties each year. A significant part of Mdundo’s success lies in its ability to be frugal in how it operates, focusing on bootstrapping even after raising US$ 7 million through its Nasdaq listing in Denmark. The funds raised were partly used to repay early investors and to recapitalize the business.

Supporting African Musicians

Mdundo plays a crucial role in supporting African musicians by expanding their reach and providing monetization opportunities. By creating a platform tailored to the unique needs and nuances of the African market, Mdundo has lowered the barriers to adoption for consumers and ensured that even those with limited resources can enjoy and share their music.

Key Lessons and Insights

During our podcast session, Martin shared valuable lessons and insights from his journey, offering advice to aspiring entrepreneurs in Kenya and beyond. His story is an empowering one in terms of how he used innovation, resilience, and a deep understanding of the local markets in Africa to create something that truly resonated with consumers at scale across the continent. Mdundo is undoubtedly for Africa, by Africa, which has ultimately underpinned its success to-date.


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