FSDT presents ‘The Gathering’

The Gathering is a one of a kind thought provoking series that triggers discussions on the future of the financial sector in Tanzania. The second installment of The Gathering will focus on the narrative of digital financial services in Tanzania, from inception to present day, and how it has impacted individuals’ transactional behaviours, as well as businesses in the way they operate. This story will be told by key individuals who travelled this journey, giving participants a unique glimpse into the aspirations, the process, the challenges and the triumphs.

The Story of Digital Finance in Tanzania

Thursday, 25 May 2017.

Location: Hamu Restaurant, Masaki

6.15pm to 6.30pm | 15 min


6.30pm to 6.45pm | 15 min

Flashback, remember the good old days?

Led by Innocent Ephraim

6.45pm to 7.15pm | 30 min

Panel discussion with sector experts

Led by Amani Itatiro (BoT), Kelvin Twissa (Jackson Group), Dylan Lennox (Akhet Consulting), Candice Rato (Vodacom), Martin Warioba (WS Technology), Franklin Bagalla (Tomoni Farms/Toplife Solutions), Nadeem Juma (AIM Group).

7.15pm to 7.50pm | 35min

Open session

Led by Elvis Mushi (FSDT)




The Venue

Hamu Restaurant

“Hamu” in kiswahili means “appetite” and “desire”.

Our mission is to welcome our guest in a friendly and warm environment where they can enjoy some good time with their friends, their family or to socialize with new people.

Hamu is not a common restaurant, our priority is to offer you an experience. The menu is short, in the conception of a “drinking bistro”. We combine our Italian tradition with the freshness of the Tanzanian ocean food, fresh vegetables and local fruit. Our menu is light, fresh and entirely homemade.

Our bar is specialized in making cocktails at international standards and thanks to our experience we can satisfy the majority of requests according to your taste. Our spirit selection and wine lists are always growing and improving to the highest standard.

Multimedia Kit

Download the full multimedia kit

Join our event

Contact: Victor Kyando | + 255 222 602873/5/6 | victor@fsdt.or.tz

Mr. Itatiro

  • Mr. Itatiro is a Senior Financial Analyst in the Department of Oversight and Policy under the Directorate of National Payment Systems at Bank of Tanzania. He is responsible for Oversight and Policy development for Large Value Payment Systems and Retail Payment Systems including Digital Financial Services. Mr. Itatiro played a key role in the development of the NPS regulatory framework including the NPS Act, 2015 Payment Systems Licensing and Approval Regulations, 2015, and Electronic Money Regulations, 2015 and He has more than six (6) years’ experience in Oversight of payment systems since 2010 and had previously work for PricewaterHouseCoopers (PWC) as a Senior Associate from 2005 to 2010. He holds a Master of Science in Finance degree from University of Strathclyde (UK) and Bachelor of Accounting and Finance degree from Mzumbe University (TZ).

  • Candice Rato

  • Candice Rato heads M-Pesa commercial operations at Vodacom Tanzania. Over 15 years in telecom and mobile money product development, she is passionate about simple innovations and the transformative power of technology.

  • Dylan Lennox (Akhet Consulting)

  • Dylan Lennox is an experienced Executive having demonstrated success in launching and managing Mobile Money operations in Tanzania (2008) and Mozambique (2013) with Vodacom M-Pesa. Until December 2015 Dylan was the Managing Director of M-Pesa in Mozambique, with complete P&L ownership and responsibility for the strategy, execution and general management of the sales, distribution, marketing, business development, product development, finance, customer operations, compliance and risk management functions.

    Previously he was responsible for starting up and running the commercial operations of Vodacom M-Pesa in Tanzania as Managing Executive: New Technologies and later Chief Officer: M-Commerce, from June 2007 until he left in September 2012. Tanzania is widely recognized as one of the leading mobile money markets in the world with Vodacom M-Pesa the leader in a highly competitive environment with greater than 6 million monthly active customers.

    Dylan is a Chartered Accountant (SA) who also has significant experience and expertise in starting up and leading telecoms revenue assurance, billing integrity and product development functions in South Africa, Tanzania and Mozambique.

    He is a partner of MFX.

  • Martin Warioba

  • Martin is Managing Partner of WS Technology Consulting, a firm specializing in technology advisory, project management and software development. He has more than 14 years of experience in technology and financial services industry in both consulting, project management and software development positions.

    Martin has worked with clients in public sector, healthcare, financial and telecom industries. His areas of expertise include Payment Systems, Digital Financial Services, Information Technology Strategy and Planning, Project Management, Business Process Management, Information Management and System Integration. Prior to founding WS Technology Consulting, Martin worked with Deloitte Consulting US LLP (California, USA) as Technology Integration Consultant and Central Bank of Tanzania as Project Manager and Senior Technology Analyst.

    Martin has Computer Science degree with a minor in Mathematics from Louisiana State University (Class of 2003). He also has MBA and MSc in Information Management degrees from Arizona State University (Class of 2007). He is a certified Project Management Professional (PMP) by Project Management Institute (PMI) and Certified COBIT Foundation (IT Governance) Practitioner by Information System and Audit Control Association (ISACA).

  • Franklin Bagalla

  • An experienced sales and distribution Specialist. Worked with Vodacom Tanzania in the sales and distribution department for 13 years. He was the first sales Manager for Mobile Money Service-Mpesa and he signed and trained the first agents.

    He left Vodacom in 2015 as a head of Mpesa distribution having a signed up close to 100,000 agents.

    He is currently involved in agribusiness through his Company, Tomoni Farms Limited and he still consults on Mobile commerce platforms and distribution through his Firm, Toplife Solutions

  • Nadeem Juma

  • Nadeem Juma is the Chairman of AIM Group, Mkito and Dar-es-salaam International Academy. The tired cliché would be to call him a ‘serial entrepreneur’ but that would be a boilerplate not really doing him justice. What Nadeem thrives at is discovering the whitespaces in industries that provide an equal balance of profit and social impact. He is not afraid of building the ‘hard thing’ even at the risk of failure. Fortunately, more often then not Nadeem has succeeded in creating industries where only hypothetical opportunities existed before. He is a self-proclaimed “Startup Veteran” and has inspired a number of emergent leaders who have had the opportunity to work with him. Nadeem is at ease with Large Enterprise, Policymakers, Regulators, Small Businesses and Real Consumers as long as the implications of his work are tangible and will affect the world around him. His bragging rights include being named one of the 35 under 35 from Forbes, numerous speaking roles, Awards for his businesses and even having a University level course featuring him and one his first businesses. He is 33 and calls himself an old man.

  • Innocent Ephraim

  • Innocent is the Head of Digital Finance at the Financial Sector Deepening Trust, an organisation that drives financial inclusion in Tanzania. His mandate is to advocate the use of Digital means to better the lives of poor men and women.

    In his previous role, Innocent was the M-Pesa Product Manager for Vodacom in South Africa, responsible for managing the product delivery with a responsibility to deliver m-pesa product, re-launch, roadmap and strategy for South Africa. In Tanzania he managed the product support call agent at the call centre, through his passion for career growth, determination and commitment, Innocent advanced his career to the Head of M-Commerce product development position at Vodacom.

    Innocent has an undergraduate degree in Commerce and Management from the University of Dar es salaam and a general MBA from East & Southern Africa Management Institute (ESAMI). He has been attending a series of executive programs from Harvard Business School and Harvard Kennedy School of Financial inclusion.

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