Pure Digital Passion with Moses Kemibaro

Airtel Money Kenya is entering a new chapter under Acting Managing Director Michael Bonke.In this episode of the Pure Digital Passion Podcast, I sat down with Michael shortly after Airtel Money launched its Bizna Wallet for small businesses and enhanced its cashback proposition from airtime rewards to actual cash a couple of weeks ago. We explore how Airtel Money has grown from a relatively small challenger to a platform that now says it serves more than six million customers, has approximately 270,000 agents, supports more than two million merchant points and holds around 11% of Kenya’s mobile-money market.But perhaps its largest immediate growth opportunity already exists within Airtel itself.Michael estimates that around 14 million active Airtel connectivity customers are not yet using Airtel Money—and converting more of them is one of his most important priorities.We discuss:✅ Michael Bonke’s appointment and immediate priorities✅ How Airtel Money moved from roughly 2% to 11% market share✅ Why distribution, liquidity and banking partnerships matter✅ Airtel Money’s 270,000-agent footprint✅ Why SMEs are central to the next phase of growth✅ Airtel Money Bizna Wallet✅ Separating personal and business finances✅ Protecting merchants from unauthorised reversals✅ Free customer payments into Bizna Wallet✅ The move from airtime rewards to real cash cashback✅ Why customer experience matters more than promotions✅ Fraud prevention, customer protection and trust✅ Embedded finance, SME lending and analytics✅ Cross-border payments across Airtel’s 14 African markets✅ Whether Airtel Money could eventually become financial infrastructure for African SMEs✅ Michael’s three-year vision for Airtel Money KenyaOne of the most interesting moments comes when I ask Michael whether Airtel Money could eventually become an operating system for small businesses across Africa.His response:“That is our goal for sure.”CHAPTERS00:00 — Introduction00:50 — Michael Bonke’s new role at Airtel Money Kenya01:32 — The 14M-customer Airtel Money opportunity02:28 — How Airtel Money moved from 2% to 11%02:57 — Banking partnerships and distribution03:52 — Growing from under 20,000 to 270,000 agents04:43 — Why SMEs matter to Airtel Money05:32 — What merchants told Airtel06:50 — Free Bizna Wallet payments and merchant charges08:20 — Could Bizna Wallet become a broader SME platform?08:58 — Cross-network Bizna Wallet payments09:26 — Why cashback moved from airtime to cash10:41 — Turning promotions into lasting customer behaviour11:38 — Becoming a customer’s primary financial wallet12:04 — Fraud prevention, security and trust13:26 — Embedded finance and cross-border payments14:09 — Could Airtel Money become an operating system for African SMEs?14:46 — Michael’s brief take on the Airtel Money IPO15:06 — What success looks like three years from now16:11 — “It works—and now it pays you back”Michael’s closing message captures Airtel Money’s positioning particularly well:“With Airtel Money you can do anything... and now it pays you back.”The Pure Digital Passion Podcast explores the people, technologies, companies and ideas transforming business and the digital economy across Kenya and Africa.#AirtelMoney #MichaelBonke #PureDigitalPassion #BiznaWallet #Fintech #MobileMoney #FinancialInclusion #SMEs #DigitalPayments #Kenya #Africa

I met Jason Corder last week to discuss NorthSouth Media, and our meeting became what I like to call a “gangster podcast”: an informal, impromptu Pure Digital Passion conversation recorded without the usual studio production.
Jason is the founder and CEO of NorthSouth Media, a Nairobi-based company building an end-to-end system for financing, producing, owning, localizing and distributing African content.
We discuss his journey from San Francisco to Africa, his work as a visual artist and performer, his experience acting in Mali, and how a trailer filmed in his Kilimani apartment became Stay, a television series backed by Nokia and subsequently distributed across multiple markets.
Jason explains why that experience convinced him that African production companies must retain intellectual-property ownership. We also examine NorthSouth’s connected film and creator studios, direct-distribution strategy, localization relationship with Aview International and ambition to build a substantial library of owned African content.
The conversation challenges the assumption that mobile and streaming growth must mean the end of television. Free-to-air broadcasting remains accessible, communal and commercially important across Africa and the wider Global South.
NorthSouth is currently raising US$1 million at a US$7 million cap for a 24-month runway. The company plans to produce an opening slate of five owned shows, enroll 25 creators before scaling to 50 and build a sales operation targeting broadcasters and brands.
CHAPTERS
00:00 – Introduction
00:13 – Why this became a “gangster podcast”
01:00 – Human stories made by human hands
04:23 – How African culture and storytelling travel globally
06:46 – Jason Corder’s origin story
14:27 – Why intellectual-property ownership matters
18:22 – Producing Stay with Nokia’s backing
22:36 – Free-to-air television and Africa’s media economy
31:11 – Film, community and human connection
38:35 – From artist and producer to entrepreneur
40:33 – Using Bordy and AI to accelerate the business
46:36 – Building NorthSouth’s end-to-end infrastructure
49:28 – The NorthSouth Media elevator pitch
51:16 – The Nairobi headquarters and Creator Studio vision
55:16 – Microdramas, mobile video and the “shiny object”
58:53 – A model for rebuilding African media
1:00:55 – How to connect with Jason
1:02:34 – Jason’s parting perspective
ABOUT JASON CORDER
Jason Corder is the founder and CEO of NorthSouth Media. He has worked across visual art, music, television, cultural diplomacy and media production and has lived and worked in more than 60 countries.
NorthSouth Media: https://northsouth.africa
Jason on LinkedIn: https://www.linkedin.com/in/jasoncordermedia

Airtel Kenya is entering a new chapter under Managing Director Djibril Tobe.

In this special episode of the Pure Digital Passion Podcast, I sit down with Djibril shortly after Airtel Money launched Bizna Wallet and the “Si Ni Mi Nakushow” 50% cashback campaign earlier this week.

The conversation moves beyond the product announcements to examine Airtel Kenya’s wider growth strategy across mobile money, customer experience, digital self-service, broadband, satellite connectivity and data-centre infrastructure.

Djibril reflects on his first month in Kenya after more than two decades building businesses across African markets. He explains why he is giving himself time to listen and learn, what has impressed him about Kenya’s technology-driven economy and what customers are demanding from Airtel.

We discuss the strong momentum he inherits: Airtel Kenya’s expansion from 16 million to more than 24 million customers, over 2,000 additional network sites and Airtel Money’s growth from roughly 2% to 11% market share.

A major opportunity lies within Airtel’s existing base. Djibril estimates that around 14 million Airtel connectivity customers are not yet using Airtel Money and explains how Bizna Wallet, real-cash Rudishiwa rewards and “Si Ni Mi Nakushow” are intended to encourage Kenyans to carry two mobile-money wallets as readily as they carry two SIM cards.

We also explore:

✅ Why the My Airtel App could become Airtel’s digital front door
✅ Digital self-service and reducing customer pain points
✅ Cross-border Airtel Money transfers
✅ API integrations for developers, startups and fintechs
✅ Airtel’s broadband journey from indoor routers to outdoor units and fibre
✅ Direct-to-Cell connectivity with SpaceX, subject to approval
✅ The 44MW Nxtra hyperscale data centre at Tatu City
✅ Cloud, AI, enterprise workloads and data sovereignty
✅ Djibril’s priorities for innovation, execution and customer experience

CHAPTERS

00:00 — Introduction
01:13 — Djibril Tobe’s first impressions of Kenya
05:21 — Airtel Kenya’s growth and his leadership priorities
07:03 — The 14M-customer Airtel Money opportunity
08:13 — Bizna Wallet and 50% cashback
09:10 — The “Si Ni Mi Nakushow” campaign
12:56 — Why the My Airtel App matters
16:58 — Cross-border Airtel Money transfers
19:06 — Broadband: indoor units, outdoor units and fibre
20:32 — Direct-to-Cell connectivity with SpaceX
23:25 — Nxtra, cloud infrastructure and data sovereignty
26:47 — Closing thoughts and what comes next

The Pure Digital Passion Podcast explores the people, organizations, technologies and ideas shaping digital transformation, business, marketing and innovation across Kenya and Africa.

Subscribe for more conversations with African technology leaders, entrepreneurs, executives, policymakers and innovators.

#AirtelKenya #AirtelMoney #DjibrilTobe #PureDigitalPassion #Telecommunications #Fintech #DigitalTransformation #Broadband #SpaceX #Nxtra #Kenya #Africa

This video captures the full "Connected to Protect" discussion panel on how health insurance can become more accessible, relevant and useful within the everyday lives of Kenyan and East African consumers.

I moderated the panel during the launch of the strategic partnership between Jubilee Health Insurance and global insurtech bolttech last week. While the partnership provided the setting, the conversation went much wider: healthcare costs, fraud and extra billing, product relevance, customer segmentation, flexible payments, trusted distribution, asset financing, consumer education and claims.

The panel brought together four distinct perspectives:

Njeri Jomo - CEO and Principal Officer, Jubilee Health Insurance
Bente Krogmann Osore - General Manager, Africa, bolttech
Bryan Nyutu - Principal Officer and Insurance Portfolio Lead, Safaricom PLC
Ken Gitonga - Group Head of Technical Product, Watu Credit
Moderator: Moses Kemibaro

Key areas discussed:

Why reducing healthcare fraud, waste, abuse and unnecessary billing is essential to affordability
Why protection must reach the right customer at the right moment
How embedded insurance differs from placing an existing policy inside an app
What Safaricom has learnt from Tuunza Mapato and Tuunza Simu
Why data, customer segmentation and payment frequency shape insurance uptake
How health protection can safeguard the livelihoods of Watu's asset-financing customers
Why hospital cash should not be confused with comprehensive medical cover
Why technology alone cannot compensate for an unclear strategy or the wrong partners
How insurance can become a reward that strengthens engagement and loyalty
Why transparency, voluntary participation and a dependable claims experience are fundamental to trust

Timestamps

00:00 Introduction
00:12 The biggest friction between customers and useful health protection
00:37 Jubilee Health: using AI to reduce fraud, waste, abuse and extra billing
02:34 bolttech: making insurance relevant and timely
04:28 How embedded insurance changes Jubilee Health's approach
07:58 Safaricom's lessons from Tuunza Mapato and Tuunza Simu
12:24 Watu: protecting livelihoods within the asset-financing journey
14:35 When customers experience the real value of insurance
16:17 Why Kenya needs fully fledged micro-medical cover
19:12 Audience questions begin
21:10 Technology is an enabler - why the right partners matter
25:21 Bridging consumer and product-segmentation gaps
27:47 Human-centred design for mass-market insurance
31:46 Insurance as a reward and engagement tool
33:41 Medical borrowing, community fundraising and catastrophic health expenditure
37:20 Health and device protection for young daily earners
38:51 Closing

#ConnectedToProtect #EmbeddedInsurance #HealthInsurance #Insurance #FinancialInclusion #Kenya #EastAfrica #Africa

In this episode of NTV Kenya's Fixing The Nation, I joined Mariam Bishar, Eric Latiff and Fellaris Wambui to unpack Kenya’s growing debate around minimum fares for ride hailing.

The discussion was focussed on the Business Daily's headline on Uber and Bolt drivers potentially getting more power in how fares are set, as well as broader proposed reforms that could bring ride-hailing platforms under greater regulatory scrutiny.

We discussed what this means for drivers, passengers, platforms, businesses, regulators, competition policy, and Kenya’s wider gig economy.

At the heart of the conversation was one question:

How does Kenya improve driver earnings without pricing passengers out of digital mobility or weakening the ecosystem that makes ride-hailing possible?

Timestamps

00:00 – Introduction: Business Daily headline and the digital taxi fare debate
01:20 – Moses Kemibaro joins Fixing The Nation
02:30 – How ride-hailing platforms work and why the issue matters
03:32 – From traditional taxis to digital ride-hailing in Kenya
05:38 – Market scale: drivers, users, rides and the gig economy
06:52 – Owner-drivers versus rental drivers
08:13 – Are driver complaints justified?
10:26 – Understanding the 18% commission discussion
11:57 – Platform value: marketplace, trust, safety and digital payments
13:40 – Tanzania as a cautionary case
14:28 – Passenger affordability and price sensitivity
16:34 – Why smart regulation must balance all stakeholders
18:14 – Where did the “doubling fares” idea come from?
20:18 – Viewer comments and subscription model proposals
21:01 – Competition risks if pricing is over-regulated
22:21 – Price elasticity: what happens if fares double?
24:08 – Passenger willingness-to-pay thought experiment
26:11 – Draft minimum compensation rules and the missing passenger voice
29:20 – Driver welfare, classification and platform responsibility
30:22 – Financing, insurance and formalizing the gig economy
33:05 – The platform as a marketplace creator
35:08 – Kenya’s ride-hailing market versus Nigeria and South Africa
37:19 – Could electric mobility reduce driver operating costs?
38:49 – Higher fares and higher consumer expectations
40:13 – Viewer comments on commissions and platform costs
42:53 – Final thoughts: broader consultation and a balanced way forward

Key Themes

Minimum fares versus minimum driver earnings
Driver welfare and platform work
Passenger affordability
Commission transparency
Owner-driver versus rental-driver economics
Competition and platform regulation
Smart regulation for Kenya’s gig economy
The long-term future of ride-hailing in Kenya

#FixingTheNation #NTVKenya #NationFM #RideHailing #DigitalTaxis #GigEconomy #Kenya #PublicPolicy #FutureOfWork #DigitalEconomy