The Dormant Majority

Uganda's financial inclusion problem is activation.

Uganda has 81% financial inclusion. Bank accounts exist. They are dormant. 33 million earners trust mobile money more than their banks. Banks want to lend to them. They cannot. No transaction history. No payslip. No collateral. The solution is infrastructure that captures financial behaviour through sovereign payment and savings rails and converts it into credit decisions banks can use. Five integrated products. 132 behavioural signals. First-party data from first-party rails.