Our Strategic Focus

Our Strategic Pillars

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Strengthen the Core

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To Be a Financial Services Provider

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Accelerate New Growth Areas

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Achieve Cost Leadership

To accelerate new growth areas, delivering superior customer experience in order to be a purpose-led technology company by 2025.

To scale technology solutions in order to be a purpose-led technology company by 2025. As a responsible corporate citizen, we take into account the broader needs of the society in which we operate, as we pursue our mission to scale technology solutions in order to be a purpose-led technology company by 2025.
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Partnering for Progress and Growth

Hustler Fund Phase 1

Launched 30 November 2022 KShs 24.44 billion value disbursed to 15.8 million customers as at 31 March 2023 Hustler Fund Phase 2 Launched on 1st June 2023

Partnering for Progress and Growth

Women Enterprise Fund

Launched on 2 March, 2023, with 153 groups created as at 31 March, 2023.

Partnering for Progress and Growth

MyCounty App

Supporting county governments in digitising their services, starting with Makueni County on 26 April, 2023 and Kitui County on 28 June, 2023

Partnering for Progress and Growth

Other Partnerships

Fertiliser distribution of 2.0 million bags to 2.3 million farmers in 28 counties, with KShs 7.1 billion value transacted via M-PESA since the launch in February 2023 (As at March 2023) Additionally, supporting the digitisation of over 6,000 government services on the eCitizen platform.

Risk Management

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Regulatory and Taxation Risks

Ensuring regulatory compliance, fostering new growth to mitigate MTR impact, and proactively reviewing products and partner engagement to eliminate risks.

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Adverse Economic and Forex Conditions

Pursuing cost leadership via productivity initiatives, focusing on new growth in Ethiopia, and employing forex hedging and local currency utilization.

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Market Disruption and Heightened Competition

Prioritizing customer obsession, enhancing productivity efficiency, fostering faster innovation through Agile practices, and leveraging our Foundations to cultivate brand love and equity.

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Cyber Threats and Data Breaches

Investing in tools, systems, controls, and talent to address cyber and privacy threats, including a 24/7 Cyber Defense Center and strict adherence to data privacy laws.

Our Stakeholders

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Governments and Regulators

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Our Customers

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Investors and Shareholders

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Our Employees

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Our Suppliers

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Society and Communities

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Business Partners

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Media