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Azentio Software (www.Azentio.com) , a leading technology enabler in the BFSI space, announced the launch of Azentio Loan Origination, its next-generation product that redefines how financial institutions scale credit operations across retail, SME, and corporate segments, and supports both conventional and Islamic financing. According to Deloitte (http://apo-opa.co/46lKYvA), today’s lending market demands speed, personalization, and easy digital access. Azentio Loan Origination enables banks and financial institutions to onboard customers quickly, make accurate credit decisions, and provide a seamless borrower experience, all while staying compliant with evolving regulations. Reimagining speed and personalization in lending With Azentio Loan Origination, lenders can launch new products up to 70% faster. Built-in compliance for each region shortens time-to-market from months to weeks. This enables lenders to avoid delays, accelerate innovation, and identify new growth opportunities. Smarter credit decisions for precision and efficiency Azentio’s new loan origination offering streamlines every step of credit decisioning with automation at its core. Its policy-driven framework seamlessly integrates with KYC, AML, and credit bureau systems to reduce approval delays and minimize manual errors. Pre-configured integrations and dynamic workflows make onboarding faster and simpler, helping banks lower drop-offs and improve decision accuracy. With compliance built in for both conventional and Islamic finance, lenders can grow without regulatory risk. Future-ready architecture for scalable growth Azentio Loan Origination is cloud-ready, scalable, and integrates easily with existing technology stacks, enabling financial institutions to expand into new regions. Its open framework ensures resilience, adapts to regulatory change, and supports new capabilities such as advanced analytics and alternative data without causing significant disruptions. “Banks are under pressure to deliver seamless digital experiences while navigating tougher regulatory landscapes,” said Guru L, Senior Vice President, Lending – Product Management, Azentio. “Azentio Loan Origination brings speed, intelligence, and compliance together in a single offering, enabling financial institutions to innovate and scale. With this launch, we are equipping the industry not just to keep pace with change, but to lead it.”
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Azentio reimagines speed and personalization for SME and corporate lenders with...

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Africa’s Power Ambitions & Success Depend on a Skilled Workforce (By...

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African economies have been challenged to boost their investment in research to power the continent’s industrial transformation by accelerating development of homegrown innovations that reinforce autonomy, sustainability, and technological sovereignty. Speaking during the official launch of the African Research and Innovation Hub (ARIH) on the sidelines of the ongoing Intra-African Trade Fair 2025 (IATF2025) in Algiers, the Group Chief Economist and Managing Director for Research at the African Export-Import Bank (Afreximbank) Dr. Yemi Kale noted that while Africa accounts for less than 3% of global research output, it bears a disproportionately higher share of global challenges. “Even more concerning, our research and development spending averages under 0.5% of GDP, far below the global average of 2.2% and far less than the over 4% invested in countries such as South Korea and Israel. However, history shows us that deliberate investment in research ecosystems has been the foundation of industrial transformation. Sustained competitiveness requires research, innovation, and the industrial capacity to transform ideas into products and services that can stand at the frontier of global markets,” Dr Kale said. The hub is a joint initiative of Afreximbank, the African Union and the African Continental Free Trade Area (AfCFTA) Secretariat that aims to promote and commercialise African research and innovation. It provides a platform for academics, researchers, and students to contribute their knowledge and expertise towards advancing Intra-African trade and industrialisation. “ARIH’s mission is to transform intellectual capital into industrial competitiveness and trade-led growth. Studies indicate that if Africa merely doubles its R&D spending to 1% of GDP by 2030, we could unlock an estimated $60–70 billion annually in additional value across agriculture, digital technology, and manufacturing. This would boost productivity, reduce import dependence, and expand Africa’s share of global trade,” Dr Kale argued. Throughout IATF2025, ARIH is running sessions bringing together participants from academia, enterprise, policymakers and investors. Besides the co-convenors, Algeria's Ministry of Higher Education is providing technical coordination for the sessions that include roundtables and pitch sessions for innovative projects and startups. University lecturers and students, as well as scientists and researchers affiliated with National Research Institutions from Africa, and the Diaspora including the Caribbean, have the opportunity to showcase their innovative research and scientific prototypes. Hosted by the People’s Democratic Republic of Algeria, IATF2025 is co-convened by Afreximbank, the African Union Commission and the AfCFTA Secretariat, and is projected to facilitate trade and investment deals worth over US$44 billion. IATF is a platform for businesses to showcase their goods and services to visitors and buyers while exploring opportunities and exchanging information. IATF aims to tap into opportunities from AfCFTA’s single market of over 1.4 billion people and GDP of over US$3.5 trillion. The ongoing IATF2025 is in its fourth edition with the last three editions of IATF cumulatively generating over $118 billion in trade and investment deals and attracting more than 70,000 visitors and 4,500 exhibitors.
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African economies urged to invest in research for industrial transformation

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Since late August 2025, the Kaspersky Global Research and Analysis Team (GReAT) (www.Kaspersky.co.za) has been observing a new malicious campaign leveraging a stealer — a type of malware designed to steal passwords and other account information. The StealC v2 infostealer is being spread through Facebook messages. More than 400 incidents have been identified to date, targeting users across multiple countries, including confirmed cases in Kenya, Angola, Ethiopia, Niger, Uganda and Zambia, among other African* countries. As part of this attack, Facebook users receive messages containing a link disguised as a notification that their account has been blocked. Clicking the link opens a fake support page claiming that the user’s account has been blocked due to suspicious activity. To “restore access,” users are prompted to use the “Appeal” button, which initiates the download of a malicious script that installs the StealC v2, a dangerous malware offered under a Malware-as-a-Service model, on the victim’s device. The malware itself steals passwords, cookies, screenshots, as well as cryptocurrency wallet data. “Cybercriminals often exploit users’ fear of losing account access and a perceived sense of urgency. This pressure can lead individuals to act without caution, increasing the risk of infection by malware such as StealC v2. Users should remain vigilant and always verify the authenticity of messages before clicking any links,” comments Marc Rivero, lead security researcher at Kaspersky's Global Research and Analysis Team. StealC v2, first observed in 2025, significantly enhances the malware’s capabilities and elevates the risk to both individual and corporate users. The original StealC, which emerged in 2023 on dark web platforms, quickly became a sought-after tool among cybercriminals thanks to its accessibility, capabilities and ease of access. To be protected from phishing, Kaspersky recommends corporate and individual users: Practice caution when clicking links. Sometimes emails and websites look just like real ones. It depends on how well the criminals did their homework. But the hyperlinks, most likely, will be incorrect, with spelling mistakes, or they can redirect you to a different place. Look out for urgency or threats. Phishing attempts frequently try to create a sense of urgency or fear. Be cautious of emails demanding immediate action, such as changing a password or providing personal information. Verify unsolicited messages, calls, or links, even if they appear legitimate. Never share 2FA codes. Use Kaspersky Next (https://apo-opa.co/42lrs13) (in corporate environments) or Kaspersky Premium (https://apo-opa.co/4nr4ga5) (for individual use) to block phishing attempts.
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Kaspersky warns of a new credential-stealing campaign via Facebook

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APO Group (www.APO-opa.com), the leading, multi-award-winning, pan-African communications consultancy and press release distribution service, is pleased to announce that its Founder and Chairman, Nicolas Pompigne-Mognard (www.Pompigne-Mognard.com), has been named an African Genius Nominee at the 2025 African Genius Awards (AGA). The African Genius Awards, established by Priority Performance Projects in collaboration with leading academic, research, media, and cultural institutions, recognise individuals who have demonstrated exceptional intellect, innovation, and impact across Africa. The esteemed judging panel represents various areas of academic and professional interest and is drawn from South Africa, Nigeria, and Kenya. The five judges are nuclear physicist and environmental specialist Dr. Pulane Molokwane; Director of the Centre for the Study of Democracy at Rhodes University and the University of Johannesburg Professor Steven Friedman; author and academic Mr. Simon Gathua; Associate Professor at Ashland University Professor Rosaire Ifedi; and Senior Tech Talent Partner at Bank of New York Mellon Ms. Vuyiswa Mataka. Read more about the awards here (https://apo-opa.co/41GICpR). Being shortlisted as a Nominee places Nicolas among an elite group of changemakers shaping Africa’s narrative. Past Nominees have included influential minds such as technology visionary Strive Masiyiwa, Dr. Mark Nasila, a data and AI leader in the financial sector, and Dr. Akinwumi Adesina. “This nomination is a powerful validation of APO Group’s purpose, namely to champion Africa’s narratives, amplify Africa’s voices, and bridge Africa and the world,” Nicolas said. “It is a celebration of the power of storytelling, communications, and purpose-led leadership in shaping the continent’s future. More importantly, it is a tribute to the importance of African stories, and the individuals and organisations across Africa who are redefining our narrative with integrity and excellence.” Along with its more recent awards and client successes, an example of the company’s commitment to the continent is its collaboration with the World Health Organization to deliver crucial health updates and potentially life-saving information to millions of people all over Africa during the pandemic. Named among the 100 Most Influential Africans of 2023 and 2024, Nicolas serves on multiple high-profile advisory boards and international committees. These include the Senior Advisory Board of the Canada-Africa Chamber of Business, as well as the Advisory Boards of the African Energy Chamber, World Football Summit, Africa Hotel Investment Forum (AHIF), Bloomberg New Economy Gateway Africa, Sports Africa Investment Summit, EurAfrican Forum, and All Africa Music Awards (AFRIMA). He is also a strategic advisor to the Chief Executive Officer of the Royal African Society of the United Kingdom, and to the EU-Africa Chamber of Commerce, and a special advisor to the President of Rugby Africa, the governing body of rugby in Africa. Looking ahead, Nicolas emphasised his continued belief in Africa’s potential: “The future belongs to those who believe in the power of their own voice. Africa’s genius lies in its diversity, its resilience, and its ability to shape its own story. For almost two decades, APO Group has proudly supported this across all 54 countries in Africa.”
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APO Group’s Founder, Nicolas Pompigne-Mognard, Recognised as African Genius Nominee at...

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Microfinance game-changers
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Jawabu Biashara: A Microfinance game-changer

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‘We are committed to mutual success’ A quiet revolution is brewing in the fight against energy poverty and climate change, and its engine is an unexpected one: a microfinance loan. While major corporations pledge distant net-zero goals, one lender, Jawabu Biashara, is making a tangible impact today. By designing a specialized loan product for Biogas digestors, they are turning communities into active participants in the green economy. Business Insights Africa talked to Mr. Charles Njoroge, Managing Director, Jawabu Biashara, to understand their winning concept. How has Jawabu Biashara evolved from its early days to become a formidable player in the microfinance industry in Kenya? Seven years ago, specifically in Githurai, we stablished our first office that doubled as our head office. From that humble beginnings, today we operate in over 11 counties and we offer a buffet of financial solutions. Jawabu Biashara name defines our business mandate in Kenya, to be a solution to the very many micro-entrepreneurs who operate micro and small enterprises that dot every part of Kenya. We remain guided by our vision, to be a market leader and a partner of choice in the provision of innovative and profitable customer focused financial solutions in Kenya. This is a huge mandate, but one we are equal to the task. Our past, and indeed our future growth is anchored on charting an organization path that walks on innovation and partnerships. As an institution, we have built a team that believes in our bigger picture, if we are to deliver our brand promise of Finance, Empower and transform. This way we have been able to manage the challenges that come our way with confidence. We have also taken our business lessons along the way, and we remain hopeful the future can only be better. What are some of the proudest achievements of Jawabu Biashara over the years? Jawabu Biashara, like many other business corporates has had its good days and challenging days as well. Some of the achievements we have had, and many a times other institutions may have taken it for granted is to survive covid-19. From an institutional point of view this was the most difficult period in the life of Jawabu Biashara, yet when I look back, its the moment when resilience of the organization got tested. While some of our peers have struggled to raise themselves up, we have dusted ourselves, taken our lessons and moved on. Further, we have been able to retain staff, deliver scale, expanded to eleven counties over the period and executed more innovative solutions, giving Jawabu Biashara that inner drive to thrive despite the very many odds we find on our way. As MD, how have you worked to preserve Jawabu Biashara’s legacy while driving modernization? First, I have passion for what I do. I like what I do, and every day is an improvement of yesterday. The moment I listen to a customer say, how grateful he|she is for the funding support he received from Jawabu and shares his|her journey of success due to our intervention, that’s it for me. Further when certain facts confront me like - Over 90% of rural households in Kenya use firewood for cooking, they rely majorly on 3-stone cook stoves because they are cheap to assemble and operate, this resonates well with my past. You ask yourself, what can you do to change this? At the same time, you gather millions of Kenyans, especially women and children are exposed to harmful smoke from traditional cooking methods, then this speaks to you as well. Further, you gather that the long term health effects, which include respiratory illnesses are devastating rural families , with over 20,000 deaths attributed to indoor air pollution each year in Kenya – can something be done? This is where Jawabu Biashara comes in with its clean cooking solutions. We are able to remove households from harmful smoke and respiratory deaths through access to affordable credit for clean cooking. This brings to life why an institution like Jawabu exists. We work for a good bottom line, just like any one else, but we are proud to say we deliver impact, we deliver over 9 of the 17 UN SDGs ( sustainable development goals) and this fits well to our brand promise of Finance , Empower and Transform. Beyond this, its also very clear in the entire microfinance space, that you cannot wish away technology and digitization. The challenge though, is that it’s expensive. Finally, the question that bothers me and every other executive every minute of the day is – What can we do today to remain relevant not only today, but also tomorrow? Sustaining business relevance and understanding how to identify what matters, filtering out distractions, and connecting information or actions to objectives for better problem-solving and decision-making is the new norm in a fast paced industry like the one Jawabu Biashara is in. How do you ensure that the institution’s culture remains client-centric and innovative amid industry disruptions? Peter Drucker, an influential thinker and author on management talks of corporate culture as , "Culture eats strategy for breakfast." Every business success or failure many a time is anchored on its corporate culture. Its usually very fragile and needs to be managed with utmost attention. Corporate culture defines a company's identity and indeed shapes the work environment. The secret though is how the institution engages with itself, the level of team engagement and team work and how the institution is aligned to the strategy as it monitors the market dynamism. This is a tough one for any corporate leader, but as slippery as it is, it’s the reason why agile entities thrive. From where I sit, it’s the reason I report to work every morning. What’s going on in the microfinance sector and what makes Jawabu stand out in Kenya’s crowded microfinance space? The Microfinance industry in Kenya is very competitive, innovative and ever evolving. I would imagine its fast paced abit more than many other sectors of the economy. At the same time, its an industry with many players some very strong from a bottom line point of view, foreign owned and many locally owned as well. It’s a very dynamic industry going through a lot of disruptions including regulation coupled with funding constraints. Its an industry that depicts what survival for the fittest is all about. But again, it’s also an industry that thrives through sheer hard work, Innovation, strategy and with a huge dose of trust from staff, customers, funders and regulator. Jawabu Biashara is a proactive lender who upholds innovation and genuinely seeks to deliver impact with its financial solutions. Beyond this we also give back to the community, by supporting their communally owned entities such as schools. What lessons can Jawabu Biashara share with younger entrepreneurs and businesspeople looking to build long-term success? Success is a journey and is not an abracadabra moment. Success does not happen overnight and requires focus and patience. There is huge potential for entrepreneurship in Kenya, but a bigger portion of them face many common business challenges such as limited access to capital, inadequate business management skills, lack of mentorship and also the education system may not be preparing many of them on what is ahead of them. Many of them get to entrepreneurship for lack of an alternative, especially formal work. Mentorship is what is urgently needed as it psychologically prepares someone for the heartaches of business and confers discipline that many new entrepreneurs majorly lack. Only, when this is sorted can we talk of access to capital. Access to capital resonates well with a psychologically prepared entrepreneur. But entrepreneurship needs boldness of action, taking calculated risk and that inner faith that success will happen, what come may. Quoting Vincent Van Gogh “ Fishermen know that the sea is dangerous and the storm terrible, but they have never found these dangers sufficient to keep them ashore”. Where do you see Jawabu Biashara in the next decade, especially with increasing competition and tech disruption? Our vision defines our longevity in the Kenyan market. Every day, in Jawabu we ask ourselves what are we doing to ensure we become the partner of choice to the customers that we serve and all the other stakeholders we work with. We are privy to the fact that competition will not cease and the earlier we accept it as a way of life, the better we respond to it. Technology disruptions will be the in-thing. Bigger players will come and distort the market to their advantage, but then in our own small way we shall disrupt the market in our own way. We shall ensure we deliver need based financial solutions, we shall anchor our future on business innovation and technology and we shall serve the customer with diligence. Are there plans for regional expansion, new product lines, or digital transformation to future-proof the institution? Absolutely! Scale and digital engagement fits very well to our strategic direction to not only offer branch-less expansion, but occasionally anchor some brick and mortar expansion based on an in-house expansion criteria. What has been the most rewarding aspect of leading Jawabu Biz? The progress Jawabu Biashara has made to date is phenomenal. We offer a buffet of financial solutions that meet our agenda of delivering customers need for social and economic transformation. Our business name, Jawabu in Kiswahili translates to “solution or an answer” and that’s what we strive to offer innovatively in the Kenyan market. Over the years, we have increased our outreach to eleven counties, we work with many farmers especially in SDG#7 – Affordable and clean energy. The clean cooking space, especially the roll out of Biodigestor credit has in many ways brought healthy cooking alternative to our customers, improved on forest cover protection and ensured there is uptake of organic farming via production of Bioslurry. Jawabu also has solutions that address SDG#6 – Clean water and sanitation, whose benefit include water storage, ensuring sustainable use of rain water and ensuring consistent water supply to families. What message do you have for clients, employees, and stakeholders who have been part of Jawabu Biashara’s journey? To all our stakeholders – Please know we value the partnership and you have a solid partner in Jawabu Biashara, At Jawabu Biashara we are committed to mutual success.
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Jawabu Biashara CEO: ‘We are committed to mutual success’

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5 Reasons to Consider Payroll Outsourcing

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Adam Ibrahim was working with the UN humanitarian agency, OCHA, in his home country, Sudan, when conflict between rival armed forces erupted in early 2023 and he became a refugee alongside thousands of others who continue to flee the ongoing violence. Sudan is one of the world’s largest and most complex humanitarian crises, with more than 30.4 million people – over half the population – urgently needing humanitarian assistance, yet the 2025 Sudan humanitarian needs and response plan is severely underfunded, with only 13.3 per cent of the required resources received so far. Forced to flee the country with his family after the war intensified, Mr. Ibrahim returned to help people affected by the war in Darfur. Ahead of World Humanitarian Day, marked annually on 19 August, he described his journey, from aid worker to refugee and back again to Sudan. “I was at home helping my daughter revise for her grade six exams, scheduled for the next day. Then, out of nowhere, the sound of heavy gunfire shattered the silence in my hometown, Zalingei, the capital of Central Darfur state, which remains gripped by insecurity and critical shortages of basic services. At first, I thought the gunfire would pass quickly. I rushed to stock up on food supplies and water, enough for six days. But, the streets became battlegrounds. All I could do was try to keep my family safe. Despite the chaos, I continued to work. Electricity and Internet access were sporadic, but I kept my phone charged to send daily updates to the OCHA Head of Office. It gave me purpose amid the uncertainty. Eventually, it became too dangerous to stay. The journey of displacement On the 39th day, we fled. Our family of 10 began a harrowing journey with no clear destination, only the desperate need to escape. We left behind more than just walls and belongings; we left behind a life built with love and hope. Our journey took us first to Nyala in South Darfur, then to Kosti in White Nile State. From there, we crossed the border into neighbouring South Sudan and eventually reached Uganda, a country I had heard offered stability and a good education system for children. The journey by car took 23 days. My children had no passports, and there were no refugee camps for Sudanese nationals at the time. To my relief, migration authorities in both countries were kind and supportive. In Kampala, we rented a house and received asylum status within three days. The moment I held our refugee cards, I exhaled deeply and thought ‘we’ve made it.’ I enrolled my children in school and began working online, finally finding a sense of stability. Here I was, an aid worker now a refugee, needing the same support I once provided to others. Returning to Zalingei Months later, I faced a difficult decision. Do I stay with my family or return to Darfur and continue the work I had done for years? I chose to return. Leaving my family behind was incredibly hard, but their safety was paramount. I returned to Zalingei with a renewed sense of duty to serve those still trapped in the hardship I had endured. I was also the sole breadwinner for my family and needed to ensure they could survive in Uganda. My hometown changed When I arrived in Zalingei, I barely recognised it. Buildings were scarred with bullet holes. I found another family sheltering inside our house, a doctor and his family whose own home had been destroyed. I let them stay, setting aside a small section for myself and a colleague. The house had been looted. Windows were gone and our belongings had vanished. I had hoped to find my children’s school certificates, photos, any documents left behind. But, they were gone. Everyone was armed, even children as young as 15. People were tense, traumatised and always bracing for the next wave of violence. Machine guns and wreckage in West Darfur I didn’t stay long in Zalingei. Soon I was called to El Geneina in West Darfur, a town devastated by violence, and whose people desperately needed humanitarian support. El Geneina’s streets were strewn with the wreckage of burned-out military vehicles. Armed men patrolled in pickup trucks mounted with machine guns. The humanitarian needs were immense. People lacked food, shelter, household essentials, healthcare, clean water and protection, but we never had enough resources for them. Family, sacrifice and hope for Sudan It’s heartbreaking to witness the suffering caused by the recent donor funding cuts. Many organizations have been forced to scale back their operations, leaving countless people without help. Still, we did all we could. Between 2023 and 2025, we reached more than 800,000 displaced people with critical assistance, in West and Central Darfur. I also went on to work with OCHA colleagues in Chad to coordinate cross-border humanitarian convoys into Darfur. These convoys were lifelines, delivering food, medicine and supplies to communities cut off by conflict. Today, I remain in Sudan. My family is still in Uganda. I visit them once a year, but the separation is painful.”
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From aid worker to refugee and back in war-torn Sudan

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