Long-form conversations with the people designing, regulating and operating financial systems.
Njuguna Ndung’u helped keep the regulatory door open while M-PESA grew from an experiment into national infrastructure. After serving in President William Ruto’s Treasury, he now says the President overruns institutions and makes officials conform through fear. His life’s argument about strong institutions has become a test of his own public record.
Thought Leaders · 7 Sep 2026 · 10 min read
When banks pushed back against M-Pesa and Kenya had no dedicated rules for mobile money, acting Finance Minister John Michuki backed an audit that ultimately affirmed the service as a low-value retail money transfer platform rather than banking. That decision captured the technology-friendly approach of the Kibaki era and helped give M-Pesa the regulatory room to scale, laying foundations for Kenya’s emergence as Africa’s leading fintech market.
Thought Leaders · 19 Aug 2026 · 6 min read
If Kenya had an ICT Hall of Fame today, Dr. Bitange Ndemo would undoubtedly be the first to earn a star.
Thought Leaders · 19 Aug 2026 · 7 min read