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Bringing group savings onto mobile channels

Give Vikoba and VSLA groups a practical digital way to manage savings.

My role
Chief Technology Officer, Lockwood Technology
Period
2017 — 2022
Market
Tanzania
01 / RESPONSIBILITY & CHALLENGE

Work

I led the Kikoba savings platform initiative for Vikoba and village savings and loan associations in Tanzania. The work focused on giving groups a digital way to manage contributions, lending, and their financial activity, with mobile-money connectivity supporting how members participate.

02 / HOW I CARRIED IT OUT

Execution

  1. Lead the savings product

    Provided strategic and technical leadership for the Kikoba app, shaping a mobile product around group-savings needs.

  2. Connect contributions and payouts

    Worked on mobile applications and payment integrations to support digital contributions and mobile-money payouts.

  3. Take the product into use

    Coordinated the product and development work from concept to delivery and supported the platform’s growth.

03 / WHAT CHANGED OR WAS DELIVERED

Results

  • Built and scaled the Kikoba savings platform.
  • Delivered mobile capabilities for group contributions, lending, and financial management.
  • Enabled savings-group activity to be managed through digital channels and mobile-money connections.

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