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The mind of Mbugua Njihia

CEO at Symbiotic | Opportunity Scout at Gruppo Potente, in pursuit of opportunities without regard to resources currently controlled #WhatIsNext #AfricaRising

Paramount Universal Bank

What is Next for Fintech in Kenya and Africa at large?

April 10, 2018 by Mbugua Njihia Leave a Comment

The numbers are in and the jury is out. The world over the fintech craze that underpins lending outside the traditional banking ecosystem continues unabated. Whether the channel of consumption is online, mobile or the services packaged differently such as pay day lending and layaway financing, investments continue to pour in chasing opportunities in a … [Read more…]

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Posted in: Business, Mobile, Technology Tagged: Airtel Money, Bank of Africa, Bank of Baroda, Bank of India, Barclays Bank Kenya, Bitcoin, Branch, CBK, Central Bank of Kenya, CfC Stanbic Holdings, Chase Bank (Kenya), Citibank, Commercial Bank of Africa, Consolidated Bank of Kenya, Cooperative Bank of Kenya, Credit Bank, Development Bank of Kenya, Diamond Trust Bank, Dubai Bank Kenya, Ecobank Kenya, Equatorial Commercial Bank, equity bank, Family Bank, Fidelity Commercial Bank Limited, First Community Bank, Giro Commercial Bank, Guaranty Trust Bank Kenya, Guardian Bank, Gulf African Bank, Habib Bank, Habib Bank AG Zurich, Housing Finance Company of Kenya, I&M bank, Imperial Bank Kenya, ipay, JamboPay, Jamii Bora Bank, K-Rep Bank, Kenya Commercial Bank, Lipisha, Middle East Bank Kenya, mobile money, mpesa, National Bank of Kenya, nic bank, obopay, Okash, Opay, Oriental Commercial Bank, Paramount Universal Bank, Payment gateways, PesaPal, Prime Bank (Kenya), remittance, safaricom, Sports Betting, Standard Chartered Kenya, Tala, Telkom, Timiza, TKash, Trans National Bank Kenya, True Credit, True Finance, United Bank for Africa, Victoria Commercial Bank

Of discovery and bending the rules in 2018

December 29, 2017 by Mbugua Njihia Leave a Comment

It has been a jargon, whitepaper and report laden year with things happening across all major sectors from medicine, media, arts, security, environment, telecommunications, finance and even government. That ought not to be a surprise since every business is a technology business in this day and age. I have done my fair share of reading, … [Read more…]

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Posted in: Business, Technology Tagged: AirTel, Airtel Money, arts, Bank of Africa, Bank of Baroda, Bank of India, Barclays Bank Kenya, Bitcoin, Central Bank of Kenya, CfC Stanbic Holdings, Chase Bank (Kenya), Citibank, Collaboration, commerce, Commercial Bank of Africa, Consolidated Bank of Kenya, Cooperative Bank of Kenya, Credit Bank, Cryptocurrency, Development Bank of Kenya, Diamond Trust Bank, Dubai Bank Kenya, Ecobank Kenya, Environment, Equatorial Commercial Bank, equity bank, ethereum, Family Bank, Fidelity Commercial Bank Limited, Finance, First Community Bank, Giro Commercial Bank, government, Guaranty Trust Bank Kenya, Guardian Bank, Gulf African Bank, Habib Bank, Habib Bank AG Zurich, Housing Finance Company of Kenya, I&M bank, Imperial Bank Kenya, innovation, Jamii Bora Bank, Jimia, Jumia, Jumo, K-Rep Bank, Kenya Commercial Bank, Konga, Layered Access, Masoko, media, medicine, Middle East Bank Kenya, mobile money, mpesa, Naivas, Nakumatt, National Bank of Kenya, nic bank, Oriental Commercial Bank, Paramount Universal Bank, payments, Personal Data, pki, POC, Prime Bank (Kenya), remittance, safaricom, Security, Sky.Garden, Standard Chartered Kenya, telecommunications, TKash, Trans National Bank Kenya, Transactions, Tuskys, United Bank for Africa, Victoria Commercial Bank

Mobile money differently; three strategies for banks

August 19, 2015 by Mbugua Njihia Leave a Comment

The rigidity of the financial services sector has not played in the favor of the 42 players and when you add the recent budget curveball that requires players to raise the minimum core capital to Sh 5 Billion up from the current Sh1 billion, signaling the start of industry wide consolidation, it may be a … [Read more…]

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Posted in: Business, Technology Tagged: AirTel, Airtel Money, Bank of Africa, Bank of Baroda, Bank of India, Barclays Bank Kenya, Bitcoin, Central Bank of Kenya, CfC Stanbic Holdings, Chase Bank (Kenya), Citibank, Commercial Bank of Africa, Consolidated Bank of Kenya, Cooperative Bank of Kenya, Credit Bank, Development Bank of Kenya, Diamond Trust Bank, Dubai Bank Kenya, Ecobank Kenya, Equatorial Commercial Bank, equity bank, Family Bank, Fidelity Commercial Bank Limited, First Community Bank, Giro Commercial Bank, Guaranty Trust Bank Kenya, Guardian Bank, Gulf African Bank, Habib Bank, Habib Bank AG Zurich, Housing Finance Company of Kenya, I&M bank, Imperial Bank Kenya, Jamii Bora Bank, K-Rep Bank, Kenya Commercial Bank, Middle East Bank Kenya, mobile money, mpesa, National Bank of Kenya, nic bank, Oriental Commercial Bank, Paramount Universal Bank, Prime Bank (Kenya), remittance, safaricom, Standard Chartered Kenya, Trans National Bank Kenya, United Bank for Africa, Victoria Commercial Bank

The pros and cons of Mpesa Generation II for business

July 8, 2015 by Mbugua Njihia 1 Comment

I am impressed by the work that went into the Mpesa Generation II platform iteration. While it has grown in complexity, it covers almost all the permutations that make for a more efficient business operation where the speed of cash flow is key to sustaining many enterprises. We have in the past explored how the … [Read more…]

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Posted in: Business, Technology Tagged: ABC Bank (Kenya), Bank of Africa, Bank of Baroda, Bank of India, Barclays Bank Kenya, Bharti Airtel, Cellulant, CfC Stanbic Holdings, Chase Bank (Kenya), Citibank, Commercial Bank of Africa, Consolidated Bank of Kenya, Cooperative Bank of Kenya, Credit Bank, Development Bank of Kenya, Diamond Trust Bank, Dubai Bank Kenya, Ecobank Kenya, Equatorial Commercial Bank, equity bank, Family Bank, Fidelity Commercial Bank Limited, First Community Bank, Giro Commercial Bank, Guaranty Trust Bank Kenya, Guardian Bank, Gulf African Bank, Habib Bank, Habib Bank AG Zurich, Housing Finance Company of Kenya, I&M bank, Imperial Bank Kenya, innovation, ipay, JamboPay, Jamii Bora Bank, K-Rep Bank, Kenya Commercial Bank, KopoKopo, Lipisha, Middle East Bank Kenya, mobile banking, mpesa, National Bank of Kenya, nic bank, Oriental Commercial Bank, Paramount Universal Bank, PesaPal, Prime Bank (Kenya), safaricom, Standard Chartered Kenya, symbiotic, Trans National Bank Kenya, United Bank for Africa, Victoria Commercial Bank, WezaTele

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Initiatives I am keen on

  • Gruppo Potente
  • Symbiotic Media
  • Safaricom Spark Venture Fund
  • UN Global Compact
  • Kenya Association of Manufacturers
  • Mobile Marketing Association

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