When payments are cheap and easy to trace, more Zambians can take part in the formal economy.
Financial products have to fit the way people account for, move and review money. I connect those workflows to product decisions and working software. As consulting technical lead at FigureFlow, I work across accounting integrations, reconciliation, reporting and AI-assisted analysis.
As consulting technical lead for FigureFlow AB, a Swedish financial SaaS company, I run the platform's engineering. That covers accounting imports, source mapping, validation, reconciliation, dashboards and management reports.
I built organisation-level access control and audit records for a multi-tenant financial application, and AI analysis that cites its sources.
More about meFintech is infrastructure that other businesses build on. Good financial software lets anyone trace a number to its source and see who changed what. Financial inclusion grows when payments become cheap, open and reliable enough for small companies to build on.
Payments travel over rails such as card networks, bank transfers, real-time payment systems and, in Zambia above all, mobile money. Each rail has its own speed, cost, operating hours and rules for failed payments.
Interoperability lets money move between rails, for example from one mobile money network to another or into a bank account. Without it, people pay more and wait longer.
Every financial product rests on a ledger. Double-entry bookkeeping records each movement twice, so the books balance and you can trace every change.
Cash received, revenue earned and service still owed are three different numbers. A customer who pays K144,000 upfront for a year of service gives you cash now, and under IFRS 15 you earn the revenue month by month.
Bank statements, mobile money statements, invoices and the ledger each record the same money differently. Reconciliation matches them line by line and lists what doesn't match.
Whether anyone trusts the numbers depends on this step. Good software matches the obvious lines automatically and sends the unclear ones to a person, with the evidence attached.
Know-your-customer checks, digital identity and digital signatures let institutions confirm who they are dealing with without paper. Zambia's national public key infrastructure makes trusted digital signatures available to companies and institutions.
The same checks catch fraud, such as unusual patterns, impossible locations and accounts that move money too fast.
Open banking lets customers share their financial data with apps they choose, through secure standard APIs and with their consent. The Bank of Zambia has started work on open finance.
With common APIs, a developer connects to every bank once instead of negotiating with each bank separately. That makes accounting tools, lending products and payment services cheaper to build.
Most small businesses in Zambia have no formal credit history, but they do have a history of payments. Lenders can use that payment data to make decisions that collateral-based lending can't.
The same data supports small savings and insurance products priced for real incomes.
I treat central bank rules, data protection law and cyber security law as requirements from the first design, because adding them later costs more.
In every report I build, the reader can select a figure, see how it was calculated and open the records behind it. Management, auditors and regulators all need that.
K500 leaves a buyer's phone in Lusaka and ends up as cash in a farmer's hand in Mkushi. Each stop on the way has a cost, creates records and can fail.
Stop 1 of 6
Stop 2 of 6
Stop 3 of 6
Stop 4 of 6
Stop 5 of 6
Stop 6 of 6
Illustrative. Fees, limits and timings vary by provider and amount.
Fintech is a set of tools that changes how money moves through every other industry.
This is a month-end close, step by step. Engineering, finance and AI work as one system, and a person approves the result at the end.
Bank exports, statements and ledgers arrive in different formats, and the system imports each one as it is.
The system maps each line to an account. It maps the obvious lines automatically and sends unclear ones to a person.
The system matches each payment to an invoice and lists every payment it can't match.
The figures add up into a report, and the reader can open any total to see the records behind it.
AI drafts the commentary, cites its sources and labels assumptions separately from facts.
A person checks the claims and approves the report. The audit trail records who approved what, and when.
This is an illustrative example. The names and figures are made up.
Mobile money already reaches many people that banks never served. The Bank of Zambia's open finance work, the national public key infrastructure and a growing group of local developers are the next pieces.
The missing parts are common APIs, interoperable payments and customer data that people can take from one provider to another. Once those exist, companies can build new products on them.
MTN MoMo, Airtel Money and Zamtel Kwacha carry a large share of everyday payments. Zambian fintech should build on how people already pay.
Common, consent-based APIs would let one integration reach every bank, and let small businesses use their own data to get credit.
The national public key infrastructure can replace paper forms with digital ones that companies, institutions and citizens can verify.
Buying shares on the Lusaka Securities Exchange should be as easy as sending mobile money, and the software has to be reliable enough for people to trust it with their savings.
Yes. I help founders and teams define, design and build financial products, including architecture, data models, reconciliation, reporting and integrations. We can start with product advisory or embedded delivery.
Yes. A mobile money integration covers payments, callbacks, reconciliation against statements and the failures that every integration eventually meets. Reconciliation is where most teams run into trouble.
Open banking lets customers share their financial data with apps they choose through secure, standard APIs. Zambia doesn't have common open banking APIs yet, and the Bank of Zambia has begun work on open finance.
Yes. I help with software architecture, data integration, reporting and the safe use of AI in financial processes. Every system I build has permissions, review steps and an audit trail.
Tell me what you're trying to solve, your timeline and any constraints. I reply within two working days.