If DTB Uganda were a person, it would be that well-dressed executive in a Land Cruiser, parked all day at a cafe, scrolling Quora for motivation quotes, rich, respectable, and completely disconnected from the hustle that built this country. On paper, DTB has the makings of a powerhouse: 2.9 trillion in assets, UGX 2.2 trillion in deposits, and a regional brand with the muscle of a Kenyan parent. But scratch the surface, and you will find a bank running on autopilot, low returns, high costs, dead capital, and an outdated lending model still obsessed with land titles in a country…
How good people cross the line.
Fraud doesn’t begin with bad people. It begins with pressure. With a quiet “just this once.” With a system that looks away. To truly understand how fraud happens, forget the Fraud Triangle. That’s kindergarten. Step up to the Fraud Diamond a sharper, more dangerous model. It exposes not just why fraud occurs, but how the fraudster pulls it off. There are four points to this diamond. Each one cuts deeper. Motivation or pressure; the fire under the pot. I call it the boiling kettle. Pressure builds in silence. It could be school fees, a sick parent, a gambling habit, or…
Why actionTEAM risk management software is the best tool
In 2018, I got the opportunity to partner with a mid-sized Kenyan insurance firm that had just survived a UGX 3.1 billion fraud. After the high-level briefing, the Audit Committee chair turned to me and asked: “How do we prevent this from ever happening again?” The CRO proudly talked about their 200-page risk policy, written in perfect grammar but entirely useless. Why? Because they had no tool to translate risk awareness into action. That’s when I introduced them to actionTEAM. Six months later, the same CEO sent me a WhatsApp message: “This tool saved us from a costly customer onboarding risk we didn’t…
Transform your EXCO into board-level strategists
Dear CEOs, Boards don’t fail from lack of updates; they fail from lack of insight. When EXCOs merely report activity, the board fills the strategic vacuum. I have seen it across sectors: talented executives getting second-guessed not because they are wrong, but because they never framed the right question. Our Future Ready Board Training is built to solve that. It equips your executive team to shape boardroom conversations, link decisions to strategy, and manage up, not just manage down. Strategy collapses when executives treat board papers like paperwork. This training helps your EXCO turn operational data into board-level intelligence anchored…
Board’s role in risk management
In the cattle corridor of Uganda, there’s an old saying: “He who leaves his kraal gate open invites the hyenas to feast.” One evening in Kiruhura, I watched a young boy, barely ten, tie a thin strand of banana fibre across the gate and claim the cows were safe. “That is how papa does it,” he said. By dawn, three cows were gone. No alarm, no lock, and just misplaced confidence disguised as tradition. This is how most boards handle risk. They assume the presence of a “risk register” is enough. That someone somewhere is doing the real watching. Like…
Lay the groundwork before crafting a strategy
I once halted a strategy retreat 12 minutes in. The CEO had flown all his regional heads to a lakeside resort, loaded PowerPoint decks, and had consultants ready. But when I asked him, “What’s the problem you’re solving?” he looked at me, blinked, and said, “We want a strategy.” That’s like a man erecting a structure before knowing whether he needs shelter, a shop, or a shrine. Here’s the real order of business, something many consultants won’t tell you: a) Start with your mission. Not the nonsense you slap on your website, but your true reason for existing. Why should…
