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A Path to Inclusive Growth

About the Summit

In today's fast-paced digital economy, opportunities for broader financial inclusion have never been more accessible. Our exclusive, one-day event presents an unparalleled opportunity to dive deep into the business benefits of leveraging digital technologies to foster inclusive growth.

Summit sessions will highlight:

  • Voice of the customer: Gain insights on Kenyan consumer behaviour and attitude about current and future household budgets, spending and debt
  • Empowering tomorrow's economies: The Intersection of FinTech and Digital Transformation in Bridging Financial Inclusion
  • Digital finance revolution: Assess the roles of FinTech versus the traditional sector, and discover why Africa is a key region for growth
  • Financial innovation: Gain insights into Kenya's ground-breaking FinTech scene, driving financial accessibility for unserved and underserved segments
  • Stakeholder collaboration: Discover the benefits of partnerships between traditional banks and FinTechs for sustainable growth

After participating in thought-provoking presentations and networking with leading industry experts and your peers, you’re sure to leave the Summit inspired and eager to put the fruits of your experience to work for your business. 

Register now

Live Summit

Date: Tuesday, Oct. 24 

Time: 9 a.m – 3 p.m

Venue: Villa Rosa Kempinski, Chiromo Road, Nairobi, Kenya

View our agenda and speaker profiles.

Hear From a Stimulating Mix of Speakers

Morris Maina
Chief Executive Officer
TransUnion Kenya
Morris Maina Chief Executive Officer TransUnion Kenya

Morris Maina brings over 20 years of leadership experience across sectors, including FMCG, telco, IT and ecommerce. Just prior to TransUnion, he was Vice President of Sales and Customer Service at Copia, Kenya where he was instrumental in accelerating rural and urban consumers’ adoption of mobile and ecommerce services while building strategic business partnerships.

Previously, Maina held leadership roles with Microsoft, serving as Business Lead for Consumer and Device Services across the Anglo–Africa region; and Safaricom Ltd as Head of Retail, Internet and Content, charged with overseeing its data democratisation strategy and content partnership developments. Maina’s passion for helping people achieve great things in a world driven by rapid digital transformation is reflected in his having directed numerous technology-based initiatives to transform consumers’ lives and enhance business growth. He holds a bachelor’s degree from the University of Nairobi and has completed various leadership programmes, including the Advanced Management Program at Strathmore University.

He holds a bachelor’s degree and Masters of Business Administration (MBA)- Strategic Management from the University of Nairobi and has completed various leadership programmes, including the Advanced Management Program at Strathmore University.

Jared Osoro
Jared Osoro Economist Guest

Jared Osoro excels in the practical application of economics, focusing on international macroeconomics, financial economics, and development economics. His nearly two-decade career has seen him contribute to development financing, regional financial systems integration and policy formulation. He is highly regarded for his technical proficiency and analytical work, as evidenced by a robust catalogue of journal articles, working papers and other publications.

Previously, Osoro held leadership roles at East African Development Bank as Bank Economist and at FSD Africa as Director of Credit Markets. He has also served as Director of Research and Policy at KBA and is currently an Executive Economic Advisor with the Africa Development Finance Advisory Network. He earned his bachelor's degree in economics from the University of Nairobi and a master's degree in economics from the University of Zimbabwe. He is a fellow of Kiel University's Ph.D. Programme in Quantitative Economics.

Sitoyo Lopokoiyit
Managing Director
M-PESA Africa
Sitoyo Lopokoiyit Managing Director M-PESA Africa

Sitoyo Lopokoiyit is the MD of M-PESA Africa, which develops, drives partnerships and growth, and supports the M-PESA platform.

M-PESA is Africa’s largest fintech providing transformational financial services to more than 56 million active customers, 730,000 businesses across seven African markets including Kenya, Tanzania, Mozambique, the Democratic Republic of Congo, Lesotho, Ethiopia, Ghana and Egypt.

He is a passionate, energetic, and easy-going leader. Prior to his current position, Sitoyo held executive leadership roles at Safaricom in Kenya and Vodacom in Tanzania, overseeing M-PESA in both countries where he delivered major innovations that revolutionised the global money space and drove financial inclusion.

In Kenya, he led M-PESA to achieve double digit growth at over 19% year-on-year, delivering revenues of over $700 million and major innovations including the M-PESA Super App, Fuliza – the world’s first mobile contextual overdraft, M-Shwari – a savings and loans proposition, M-PESA Global – an affordable remittance solution across 200 markets including partnerships with PayPal and Ali Express.

In Tanzania, he drove the growth and uptake of M-PESA, becoming the second largest market in Africa behind Kenya.

He is also the Chairman of M-PESA Limited (Tanzania), the Moi University Teaching and Referral Hospital, KCA University Council, and is a board member of theCentral Depository & Settlement Corporation Limited (CDSC).

Dilip Makanjee
Market Planner
TransUnion Africa
Dilip Makanjee Market Planner TransUnion Africa

 With two decades of executive experience in financial services, mainly in credit and collections, Dilip Makanjee is a versatile executive skilled in everything from business strategy and systems integration to customer engagement and risk management. 

Amritha Reddy
Director, Fraud Solutions
TransUnion Africa
Amritha Reddy Director, Fraud Solutions TransUnion Africa

Amritha Reddy is a seasoned executive with experience across the financial services, banking and healthcare sectors. She has held various leadership positions in the industry, including as executive head of fraud risk management at a leading bank, and is active in developing strategies to mitigate fraud risk across different sectors. She served as a board member for the SA Fraud Prevention Services, as a risk council member for Visa and a fraud council member for MasterCard. Ms. Reddy holds a Business Mng Certification from UCT’s Graduate School of Business and is a certified fraud examiner (CFE).

Thabo Molefe
General Manager, Africa Regions
TransUnion Africa
Thabo Molefe General Manager, Africa Regions TransUnion Africa

Thabo Molefe serves as Head of Africa Regions at TransUnion where he oversees business development, and stakeholder and regulatory engagement, as well as full-scope operations across seven countries in East and Southern Africa.

Lee Naik
Chief Executive Officer
TransUnion Africa
Lee Naik Chief Executive Officer TransUnion Africa

Lee Naik serves as the Chief Executive Officer of TransUnion Africa, where he stands as a prominent figure in the continent's digital and technology transformation landscape. With oversight of a diverse portfolio spanning 8 countries, Lee plays a pivotal role in collaborating with governments and businesses to drive digital and financial inclusion initiatives, catalysing Africa's economic growth trajectory.

Drawing from over two decades of experience, Lee's tenure as the former Managing Director of Accenture Digital underscores his commitment to assisting organisations in navigating the complexities of digital transformation amidst evolving landscapes.

Beyond his executive role, Lee garners global recognition as a distinguished technology commentator and speaker. His insights have earned him accolades, including acknowledgment as an official influencer in the esteemed LinkedIn Top Voice awards. Moreover, Lee champions diversity, equity, and inclusion initiatives, earning accolades such as being voted among the top Inclusive leaders on the continent by the Gender Mainstreaming Awards.

Lee's academic credentials include a Bachelor of Computer Science, complemented by a PgDip in Futures Studies, earned with distinction (cum laude). Lee is also a Fellow of the Gordan Institute of Business Science (GIBS) it’s in Centre for Africa Management and Markets. His academic pursuits reflect his dedication to staying at the forefront of emerging trends and innovative practices within the digital realm.

Mumbi Annstella
General Manager
Mumbi Annstella General Manager Tala

Mumbi is a business leader with experience working across Kenya, Rwanda, Tanzania, Ghana, South Africa and Uganda in Fintech and Edtech, and has an educational background in mechatronics engineering.

She currently serves as the General Manager at Tala Kenya, a fintech company that has disbursed over $1.9 billion in credit to more than 3.5 million customers across Kenya. She has also served in various capacities as a growth advisor for companies such as Mara, Ndovu, Moringa School, and Katapult among others. Prior to Tala, Mumbi led growth and expansion at Moringa School and was the founding director at Impact Africa Network. Mumbi is also passionate about catalysing startup ecosystems and is an active angel and venture partner at Ralicap. Her work is guided by a passion in technology and startup ecosystems in emerging markets, their growth, inner workings, and optimisation and how this links to economic development

Angela Mwirigi
Director, Digital Financial Services
KCB Group
Angela Mwirigi Director, Digital Financial Services KCB Group

Angela Mwirigi steers digital product offerings and forging crucial partnerships in the banking and FinTech sectors. Her role includes expanding payment ecosystems and ensuring governance best practices in service innovation. With two decades in branding, sales and distribution, she's been behind multiple award-winning campaigns and innovations at companies including KCB Group, EABL, Haco Tiger Brands and Henkel E.A. Dusseldorf. Mwirigi has served on the Advertising Standards Board of Kenya, the board of the Marketing Society of Kenya and has also been a board member of the KCB Foundation.

Her education credentials include a Senior Executive Program — Africa Certificate from Harvard Business School, an MBA in Strategy from the United States International University and a Bachelor’s degree in Commerce from the University of Nairobi.

Evah Kimani
Director, Partnerships & Digital
Evah Kimani Director, Partnerships & Digital Britam

Evah is a passionate and experienced products & partnerships expert with over 15 years’ experience and a strong footprint in ICT, Digital Channels, and Products Marketing roles. She has worked across telco, ICT and FSI industries leading teams and portfolios responsible for building and growing new revenues, customer-focused digital solutions and channels, and cross-sector shared-value partnerships. She has a postgraduate degree in Business Administration (MBA) and a Bachelor’s degree in computer Science from the University of Nairobi.

James N. N. Mugo
Group Executive
Loop DFS (a Fintech Subsidiary of NCBA Group PLC)
James N. N. Mugo Group Executive Loop DFS (a Fintech Subsidiary of NCBA Group PLC)

James N. N. Mugo is distinguished for his innovative problem-solving and exceptional execution. In his 23-year career, he's demonstrated a flair for driving transformational changes that yield impactful results. Holding pivotal senior roles for 15 years, he excels in financial and strategic management, adeptly optimising budgets and revenue streams. His strategic planning skills include risk assessment and guiding organisations towards sustainable growth. His administrative prowess encompasses the seamless orchestration of daily operations, staff management and regulatory compliance. Mugo holds two Executive MBAs from Darden University and IESE/Strathmore, an MBA in Strategic Management from USIU, is a Certified Public Accountant [CPAK] and earned a bachelor’s degree with Honours in Commerce from Kenyatta University


9:05 - 9:15
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Introduction to the 2023 TransUnion Kenya Summit

Speaker: Morris Maina, CEO, TU Kenya

9:15 - 9:55

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State of the Economy 2023

Speaker: Jared Osoro Chief Economist, FSD Africa

The Kenyan’s economy adjustment post COVID 19 has been characterized by mixed performance. The government policies geared towards entrenching recovery and subsequently sustained growth have had to contend with both local and external shocks. The state of the economy therefore present challenges and opportunities that businesses and households have to bear. Jared offers perspective on the state of the nation economy, unpacking dimensions to be bone in mind in appreciating how the prevailing macroeconomic environment will influence business objectives.

9:55 - 10:15

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Opening Keynote: FinTech Success Story

Speaker: Sitoyo Lopokoiyit – Managing Director, M-Pesa Africa 

Managing Director Sitoyo Lopokoiyit will explore M-PESA's transformative journey in Africa's financial landscape in this crucial keynote. The company's growth to over 56 million active users and $360 billion in transactions reveals not just a business success story, but a model for financial inclusion across seven African countries. While the global FinTech ecosystem offers its own sets of challenges and opportunities, Lopokoiyit will break down how M-PESA navigates these complexities to foster inclusive growth. From trust as the linchpin in FinTech operations to the impact of mobile financial services on GDP in developing markets, this session offers a comprehensive insight into factors that are shaping FinTech in Africa.

10:15 - 10:35

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10:35 - 11:15

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Leveraging Sentiment to Determine Consumer Needs

Dilip Makanjee — Director, Market Planner, TransUnion Africa

As of Q2 2023, 41% of Kenyan households were earning less than they planned, highlighting an urgent need to assess their financial well-being. This presentation will offer a detailed analysis focusing on three areas: changes in household income, how people are handling expenses and debt and their financial plans for the coming months. Using sentiment analysis, we'll project potential credit risks linked to Kenyan consumers to provide a detailed view of Kenyans financial status — especially concerning credit risk. This will equip financial institutions and policymakers with the insights needed to effectively manage and reduce risks.

11:15 - 11:35

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Digital Inclusion: A Case for Africa

Speaker: Amritha Reddy, Director, Fraud Solutions, TransUnion Africa

This focused discussion will delve into accelerated digital transformation, emphasising its crucial role in financial inclusion. With recent statistics revealing high rates of fraud targeting Kenyan consumers, Reddy will argue for a balanced approach to customer experience and fraud prevention. Highlighting the operational and growth benefits of digital automation, the session will also explore case studies from emerging economies to offer actionable insights for Kenya.

11:35 - 11:50

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11:50 - 12:50

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Panel Discussion: Empowering Tomorrow's Economies: The Intersection of FinTech and Digital Transformation in Bridging Financial Inclusion in Kenya

Moderator: Thabo Molefe, Head of Africa Regions, TransUnion Africa


  • Angela Mwirigi, Director, Digital Financial Services, KCB Group
  • Evah Kimani, Director, Partnerships & Digital, Britam
  • James N. N. Mugo, Group Director, Loop DFS (a Fintech Subsidiary of NCBA Group PLC)
  • Mumbi Annstella - General Manager, Tala

This panel discussion will explore the transformative power of FinTechs in achieving financial inclusion in Kenya. We'll evaluate the latest advancements in policy, regulation and digital solutions, discussing their roles in facilitating access for underserved populations and small businesses. Panellists will address the challenges digital finance providers encounter and underscore the importance of robust institutional frameworks for digital venture success. The conversation will also touch on the impact of digital finance on SMEs and sustainable consumer spending.

12:50 - 13:10

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Closing Keynote

Speaker: Lee Naik, Regional President, TransUnion Africa

In this session, Lee Naik will outline the vast opportunities for growth when leveraging a clearly defined financial inclusion strategy. With a young, dynamic population and improving life expectancy, Africa — and Kenya in particular — offers untapped potential for risk-aligned, sustainable growth. This session will crystallise how strategic focus and committed efforts toward financial inclusion can unlock this potential and provide a pathway to a more inclusive and prosperous future for all. Attendees will walk away with valuable insights for leveraging this unique demographic advantage.

13:10 - 13:20

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Event Closing

Morris Maina — Chief Executive Officer, TransUnion Kenya

13:20 - 14:20

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Networking Lunch

2023 TransUnion Kenya Summit Registration

This event is by invitation-only and non-transferable.