Individually we are one drop but together, we are an ocean.

— Ryunosuke Satoro




It took just $3000, a serviette and a dream

What are the odds that two young Africans could start a company over a cup of coffee and be successful? Well, in the minds of most people the odds are one in a million maybe even a billion. That’s so far from the truth!

In 2001 two young African men from opposite ends of the continent sat across each other at a dinner table that led to a discussion over a cup of coffee. So intense was the conversation that problem solving models were created on a serviette that would fuel the establishment and growth of an multinational African firm forever changing the payments landscape. Meet two simple, passionate and determined African entrepreneurs building a billion dollar business that’s changing the global payment landscape one dream and problem at a time.

ABOUT BOLAJI                           ABOUT KEN


Our vision is to provide products and services that connect
everyone to everything… everyday.


Our mission is to Build a world class $1B business led by entrepreneurial, value-driven people.

How We See The World

We are on a journy to digitise payments for Africa’s largest economies. We strive to provide relevant payment solutions for consumers, businesses & governments that allow them to move their money when and how they want through any digital platform.
We are the payment platform for Africa’s Mobile generation…Generation M, serving as the single connection point to mobile payments for 300 million customers. We provide a single platform for finance, retail, agriculture, health, power, education, water, and entertainment & internet sectors across borders with seamless, easy access to funds, services, and solutions for economic inclusion and freedom.

We provide “the most connected payment platform for Africa: From Cape Town to Cairo; Lagos to Lamu and everywhere in between”

Payments are the railway to consistent and reliable economic growth, freedom and inclusion and Cellulant is the community building and maintaining the railway.

It is all about building pathways, opening communication, providing dependable, robust payment solutions for all sectors of the economy.

Our day job is to delivery reliable pathways and our night job is to constantly improve the services offered.

At Cellulant we never sleep… we spend the daylight hours helping people make payments and the night time dreaming of how to improve today’s service delivery tomorrow.

The Leadership


Mohamed Faizal Hafiz

Group Chief Technology Officer (CTO)

Faizal is a seasoned technology practitioner with a strong background in software engineering alongside world-class expertise in high throughput transaction systems and new-age enterprise computing technologies. He joined Cellulant Group shortly after the Kenyan subsidiary opened and oversaw both software development and implementation until 2017. He had served as the chief technology officer and today leads our full circle technology loop from product ideation, till service management, and everything in between, ensuring speed of execution, and the best quality products. Faizal is a Computer Science graduate from the University of Natal, South Africa.


David Waithaka

Group Chief Strategy Officer (CSO)

David is a seasoned strategist and finance practitioner joining Cellulant from Syngenta E.A. HE has been an integral part of managing the Cellulant’s expansion into various markets across Africa. He joined Cellulant Corporation in 2007 in Business Support Services then launched and led the Cellulant Zambia operations, building it to become the 3rd largest market within Cellulant’s multinational payment conglomerate. Aa Group Chief Strategy Officer, he is responsible for defining the commercial structure with customers while managing and executing new opportunities with existing & new customers. David holds a Bachelor of Commerce degree in Finance degree from the University of Nairobi, is a certified Investments and Security Analyst and a Chartered Public Accountant.

Milkah Wachiuri

Group Chief Finance Officer (CFO)

Milkah has vast experience gained working at Deloitte for a long time. She joined Cellulant in August 2012 following the formation of the groups’ Shared Services Office charged with setting up the group financial reporting structure rising to Group Finance Manager in 2013 then Group Chief Finance Officer in February 2014. She has helped orchestrate the establishment of the group finance function and served as finance lead with the group management team in key business initiatives including the round two investor fundraising for the growth of group operations. Her role is to mature the group finance function, oversee long-term budgetary planning and ensure all programs are properly funded in alignment with Cellulant strategy. She holds a Bachelor of Commerce in Finance from the University of Nairobi and a CPA with Strathmore University.

Divine Muragijimana

Chief of Brand

A storyteller at heart, Divine is responsible for Cellulant’s brand image, experience, and promise. Before joining Cellulant, Divine run a marketing and branding consulting firm in New York City for 7 years; specializing in working with African growth-oriented businesses and served as editor for several publications including Editor-in-Chief of Applause Africa, a prime African Magazine for the Diaspora headquartered in New York. While at Applause Africa, she helped found the African Diaspora Awards in New York City. She has also served as PR Communication and brand advisor to universities such as MIT, Harvard, Columbia and NYU on their Africa-based and Africa-centric programs.
Divine has a BA in Liberal Arts and Communication from Malone University and an MA in Strategic Planning from the City University of New York’s Brooklyn College.

Felix Nthigah

Group Business Development Manager

Felix is a Mobile Commerce specialist with an intense interest in mobile payments and fintech in Africa with over 8 years experience in the IT space. Felix has been part of the team that launched the 1st digital financial services platform in Uganda that sought to increase financial inclusion for the rural poor with more than 200,000 people using the platform transacting over UGX 13 Billion per month. Felix is currently leading the growth path for Cellulant into new territories in Africa. Felix holds a BA Communications and Economics from The University of Nairobi.

George Murage

Group Head of Technology Operations

George has 15 years’ experience in Network Engineering, Telecommunications, Information Security, Data Centre Solutions and Cloud Computing. He served at Dimension Data from 2005 to 2012 starting as a network engineer and rising to Line of Business Manager.
George holds a First Class Honours Degree in Electrical and Electronics Engineering from Jomo Kenyatta University, a diploma in Information Systems as well as a number of industry specific network and security certifications.

Kenn Lisudza

Head of Global Delivery/R&D

Kenn is a mobile solutions expert with over 5 years of experience in the design, development, deployment and delivery of mobile projects ranging from Mobile VAS, Mobile banking and Payments. He has served as Technology Lead – Government of Nigeria, Growth Enhancement Scheme (GES) where he led a small team of Engineers in delivering a quick turnaround delivering an intricate project “before the rains” (which turned out to be 3 months). He worked with the teams iteratively adding features till the solution matured. He was also Team Lead – Beep (Cellulant’s Bill Presentment and Payments system). This role required envisioning, designing and building the initial architecture, and the roadmap of the merchant platform. He has a Bachelor of Science Degree from the Jomo Kenyatta University of Agriculture and Technology.

Mumo Musembi

Group Business Development Manager

Mumo is Sales & Marketing veteran with over 15 years’ experience in business development. He was Head of Marketing for EMC Canada then East Africa Sales Manager with DellEMC. He joined Cellulant in 2016 responsible for accelerating the growth of the four payment ecosystems through symbiotic partnerships with national and regional players. Mumo has an MBA from the Richard Ivey School of Business and a BSc in Engineering.

Mercy Waithaka

Group Human Resource Manager

 Mercy is a Human Resources Specialist with 11 years’ experience and a strong emphasis in organization effectiveness. She served as a Consultant in Delloite & Touche delivering HR strategies for various industry players. She joined Cellulant in 2017, keen to maintain Cellulant’s industry leading position, by developing talented, creative and innovative team players who are excited by the opportunity of pushing the boundaries of evolving technology and exciting our customers. She is a full member of the Institute of Human Resources Management (IHRS) since 2015.

Julius Kamau

Group Business Operations Manager

Julius is a seasoned practitioner in business development and scaling consumer products in emerging markets. He has previously served as Head of Commercial - DTH (Pay Tv) for Africa at Wananchi Group. His role at Cellulant is to scale the growth of consumer products and manage operational excellence across Africa. He has a Bachelor of Science in Computer Science from Jomo Kenyatta University of Agriculture and Technology and a Masters of Business Administration from the University of Nairobi.



Angela Centra

County Manager

Cellulant Zimbambwe

Angela is a seasoned sales, market and team development executive with experience over 8 years in delivery of mobile projects ranging from Mobile VAS, Mobile banking and Payments, product solutioning, project management and commercial delivery.
As Country Manager Cellulant Zimbabwe since 2013 she has had notable success building a profitable business unit from inception doubling revenues year on year through the acquisition of strategic assets, partners, merchants and excellent customer service developing and retaining a highly skilled workforce in the Fintech space as well as overseeing new product innovation for banks and end-users to address the liquidity challenges in the market during a severe economic crisis. She has a Bachelor of Arts degree, in Economics and Philosophy Major from The University of Nairobi, a CPA II from Strathmore University and is currently completing her MBA from the Business School of Netherlands.

Albert Ngumba

Country Manager

Cellulant Ghana

Albert Ngumba graduated from Makerere University, Uganda in 2004 taught at Nairobi Institute of Computer Science for one year in 2006 where his interest in computers grew and he ventured into Computer technology to become a Microsoft Certified Engineer. He then joined Cellucom Kenya as a IT Technical consultant and rose to Operations Manager. While at Cellucom he became a Distinguished Member of Nokia Care Technical Staff.
He joined Cellulant Kenya in December 2010 and his contributions in mobile innovation ensured he was involved in rolling out the first ever Agency banking model in Kenya for Kenya Commercial Bank. As a recognized expert in design thinking he was involved in rolling out the first and only Nigeria fertilizer Scheme, branded Growth Enhancement Scheme in 2011. His design concepts contributed immensely in transforming how the subsidized inputs from Nigerian Government reach farmers causing a rise from 11% to 90% thereby transforming 7.1 Million farmers within the first year. He has served as the Country Manager of Cellulant Ghana since 2012 and has seen the organization grow 10-fold. His presence is felt in the payments space in Ghana due to his continued innovation within the sector.

Hilda Gathuya

Country Manager

Cellulant Botswana

Hilda’s background is in Finance and she has extensive experience in business development, strategy development and execution. Hilda has been with Cellulant for the last ten years serving in different roles from Finance, Revenue Assurance and Head of Business Intelligence before relocating to Botswana in 2013. She currently oversees operations in Botswana and has been instrumental in setting up operations in Botswana (2013) and Mozambique (2015). Hilda holds a Bachelor of Commerce degree in Finance from University of Nairobi and an MBA from Heriot Watt University.

Chukwuma Onyechere

Chief Finance Officer (CFO),

Cellulant Nigeria

Chukwuma brings on over 15 years’ public and private sector experience spanning audits, financial accounting, securities investment and taxation. He joined Cellulant Nigeria in 2012 to set up and run a functional finance function, and ensure records and reports are made to support business objectives. In 2015 he held fort briefly as Chief Operating Officer as the business transitioned to core payments and supported and continues to support business development efforts.
Chukwuma holds a Bachelor of Science in Accountancy from the Nnamdi Azikiwe University, Awka Nigeria and is a Fellow of the Institute of Chartered Accountants of Nigeria.

Oluwasanmi Akinmusire

Chief Commercial Officer,

Cellulant Nigeria

Oluwasanmi is a seasoned sales and business relationship manager with strong experience in sales, Marketing and business development. His background experience spans Telecommunications (FMCG) /Payment (Mobile Money) and the OEM (Devices) industry. He has worked with industry giants such as MTN and Samsung among others. He joined Cellulant in November 2015 to oversee business and commercial operations responsible for the revenue growth and sustainability within the Nigerian business. He currently holds the role of Chief Commercial Officer for Cellulant Nigeria.

Gad Omondi

Country Manager,

Cellulant Mozambique

Gad is a seasonal Business development expert and has served at Kopo Kopo Inc. as Business Manager Africa across its six African markets. He also worked with Equity Bank to launch the first Agency banking model and as an Accountant on consulting assignments. Gad’s knowledge of technology in business spans 7 years across multiple disciplines and markets.

He represents the alignment of technology, sales, business development and management. Gad as a technology enthusiast translates tech issues into everyday business language that is easily understandable in running day to day Cellulant Mozambique business. When he is not busy he enjoys to travel , take  nature walk and dance Kizomba.

Faith Pella

Chief Operations Officer

Cellulant Nigeria

Faith has a strong background in Finance and Accountancy, International Business Development and Management of Digital Financial Services. Her journey in Cellulant began 10 years ago in Tanzania as a Product Manager before moving to business development and then to the helm of Tanzania operations as Country Manager for 3 years. She is a consistent and prompt ambassador to the growth of several mobile and digital money solutions that contributed to the financial inclusion projects in Tanzania and evolved with the industry to earning recognition as a specialized Digital money expert in 2016.
Faith joined Cellulant Nigeria, in August 2016 as Chief Operations officer and has provided her expertise and experience to optimising the internal operations for the implementation of the Nigeria Vision 2017-2020. She is responsible for day to day operations, creating strategic operating initiatives, process optimization and leadership for seamless implementation of the overall business strategy.


Gilbert H. Lungu

Country Manager

Cellulant Zambia

Gilbert is a seasoned sales professional with 10 years senior sales management experience. He has worked in computer software and hardware sales as well as corporate internet solutions sales. He was National Enterprise sales manager at MTN Zambia and most recently Head of enterprise sales at Airtel Zambia before joining Cellulant in 2017 to lead the Zambia team.

He holds of a professional diploma in marketing and an MBA from Cavendish University Zambia.

Ogechi Law-Onyemah

Chief of Product & Marketing

Cellulant Nigeria

Ogechi has a strong background in the payments industry and is uniquely experienced with the FinTech industry across the West African territories. She has been a frontline e-payments evangelist from the Banking sector to the purely Fintech companies including the Cellulant and is a notable contributor to the growth of the industry. She joined Cellulant in February 2018, with a rich and diverse network of major industry players in Africa to oversee product launches, growth and new service offerings that will be rolled-out in the next few months as she leads the strategy, marketing, and growth of all products in Cellulant WA.
She has published several articles and blogs on the industry growth pattern, adoption rate, predictiveness, among others.

Princess M. Shamirah Kimbugwe

Country Manager

Cellulant Uganda

Shamirah is a financial technology strategist, with over 7 years experience in digital finance, mostly at senior and managerial level, including working as Head of Mobile Banking and E – Payments with True African (U) and Kenya. She spearheaded the development and launch of a “mobile virtual wallet” used by over 100,000 unbaked or non telephony, to access formal financial services. At True African, she oversaw the development and deployment of “PayLeo” adopted by Barclays Bank as the payments platform outside traditional banking. She was also the Head of Operations in Mcash Uganda, where she directed the activities of Agency Banking the company was providing to DFCU Bank and Stanbic Bank, two of the top three banks in Uganda.
Shamirah holds a LLB (Hons) from Makerere University and Cert. in Product development in micro finance from the Uganda institute of Bankers. In her spare time, Shamirah enjoys cooking, reading and charity work.

Olubunmi Odewole

Head of People Culture and Perfomance
Cellulant Nigeria




Peter Mlay

Country Manager

Cellulant Tanzania

Peter has worked in finance and accounting since 2007 and is passionate about using numbers and financial reporting excellence to propel business growth.
As Country Manager for Tanzania, he is focused on driving growth to achieve Cellulants Mission. It’s a game of numbers, gaining market share, exploring transformational opportunities in Fintech and delivering the very best to our consumers.
Peter has a Bachelor of Commerce degree from the University of Nairobi.











Dar es Salaam



Africa Innovating

Impact Stories

In the Press