Every meaningful Ugandan story starts in the same place: with people. When challenges arise, Ugandans do not sprint to institutions or formal systems. Instead, they turn to each other, to neighbours, prayer groups, clan networks, and community circles that have quietly held this country together for generations. Long before mobile apps and banking halls, Uganda’s true financial system lived in villages, churches, WhatsApp groups, and family gatherings. It lived in the way people mobilised for funerals, celebrated births, and supported one another through illness, school fees, and emergencies. It lived in the trust that binds communities together. Growing up in…

In one board retreat I facilitated, a chairman proudly unveiled the new “vision statement.” It was poetic: “to be the leading financial institution transforming lives across Africa.” When he finished, silence filled the room. The directors nodded politely. No one felt it. No one could act on it. Why? Because it inspired applause, not action. Boards do not exist to craft elegant sentences, but they exist to set direction that mobilises belief. Vision is not what hangs in the lobby. It is what shapes daily decisions at the lowest level of the organisation. The real test of vision is not…

It has been two years since I began developing the Twezi platform. What a journey of learning, iteration, and conviction. During a recent strategy session with my tech team, I shared this chart on industry foresight, a simple yet profound framework that reveals where real innovation happens. The red box represents the battlefield of the present, where companies compete on articulated needs of already served customers. It’s crowded, predictable, and costly. Everyone is offering the same product with minor variations, fighting for survival through discounts, promotions, and endless noise. This is the Red Ocean, stained with the blood of competition.…

In every great company, performance alone is not enough. What keeps teams strong is compassion. When a colleague loses a loved one, no pay slip can heal that pain. Yet, when fellow staff contribute from the heart through a benevolent fund, it sends a powerful message: you are not alone. A company or community that encourages staff to join a benevolent fund builds more than financial security; it builds emotional safety. That kind of culture drives loyalty, teamwork, and genuine high performance. People who feel cared for give more. They protect the brand, they support one another, and they stay…

In leadership, it’s not the number of ideas that defines success; it’s the discipline to choose which ones to let go. Strategy, at its core, is not about doing more. It’s about doing what matters most. Every organization, team, or individual faces the same challenge: there will always be more good ideas than there is time, money, or energy to execute them all. But here’s the truth: not every good idea deserves a “yes.” Great strategy is the art of deliberate neglect, the courage to say no to good ideas so that great ones can thrive. When leaders lack focus,…

The most dangerous fraudsters are not the ones siphoning money from accounts; they are the ones stealing trust. And once trust is gone, rebuilding it takes years, sometimes decades. That is the battlefield of modern fraud: invisible, intelligent, and deeply personal. As organizations race toward digital transformation, fraudsters have evolved just as fast and often faster. Artificial intelligence has given birth to a new generation of scams that think, adapt, and deceive in real time. AI-augmented deception, insider-driven compromise, and deepfakes are no longer distant threats; they are active tools reshaping the fraud landscape. This November, the ACFE Africa Regional…