

Victor Malu
Senior Business Development Lead, Mojaloop Foundation
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Victor hopes to be part of the solution that drives value for a sustainable and inclusive digital economy across the world.
Having worked in Kenya, Uganda, Tanzania, Seychelles, Mauritius, Botswana and Ethiopia, Victor will continue to contribute to financial systems development projects through MojaLoop Foundation, where he hopes to resolve financial challenges that affect the bottom of the pyramid, micro and small enterprises.
With over 25 years in banking, 10 years in not-for-profit, and a total of 35 years collaborating with key players in Government and non-government organizations in the Financial Sector, Victor has made a tremendous impact in Digital Finance, Payments Systems, Policy & Regulation, Social Protection, Affordable Housing and Data. His most wins over the years include leading the collaborative Payment Association of Kenya team mandated to regulate retail payments per the NPS Act to delivering the 1st digital credit solution (M-Shwari) that changed the face of consumer credit to having designed the Inua Jamii Choice model and then engaged with key decision-makers in the implementation of the solution.
thought leadership to the sector, Victor was instrumental in the development of the Medium-Term Plan II & III for the financial sector as per vision 2030 for the National Treasury. Victor was instrumental in the development of the Central Bank of Kenya’s Vision & Strategy 2022 to 2032. In addition, Victor conceptualised and designed the Pesalink solution before developing a business case and finally having the Kenya Bankers Association invest in the solution
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