Our continet still has masses of people with no access to financial services and associated products. We believe that the way the finance industry and its processes are structured contributes largely to this challenge. In the finance industry, our passion is to make a contribution to financial and digital inclusion for the masses of people in the developing world. We aim to drive this goal by building products that are centered around the culture and processes of the communities.

The Retail industry, in our view still functions on the old school operating model that is human capital intensive with a huge gap to bring in a different experience for both the retailers and the customers through the use of various capabilities such as ecommerce, internet of things and digital payment methods.

Urbanisation is a trend that will continue amplifying for the next few decades in the developing world as economic activity is concentrated in big Cities. These cities will remain under pressure in terms of infrastructure management, service delivery and jobn creation needs. Smart Cities will enable a different lens through which the cities see themselves. Areas such as cost management, improved and proactive service delivery and new opportunity creation in these cities will be enabled by the Smart City enablement. At the heart of this enablement will be the use of digital capabilities for data harvesting, connectivity, process automation and large scale analytics.

The Utility of the future is digital through and through as it aims to have a better grasp on customer needs and service delivery as well as fight off new competitors coming into the Utility space. The digital Utility will need to enable digital interactions with the customers and its partners. This is easy to say than put in practive as the Utilities have legacy bargage that makes it difficult for them to get a sense of where they are, including the ability to digital interact and remagine the customer experience.