Damali Ssali Joins the HiPipo Foundation Board

It is with great pleasure that we announce that Damali Ssali has honoured the invitation we extended to her and agreed to become a Board Member of the HiPipo Foundation. Damali joins Hon. Eng. David Karubanga, Rose Busingye and Innocent Kawooya, with a worthy mention being made of Prof. Maggie Kigozi and Dr. Frederick Wamala – Ph.D, SABSA, CCSP, CISSP who regularly serve in an advisory role for the Board.

Damali is a business & finance expert with a passion for ideas, innovation and technology that fosters Financial Inclusion. She is the Founder and CEO of the Ideation Corner, a platform on which she has profiled a number of individuals whose expertise and initiatives are a cause for optimism that Ugandans can take the lead in their development and march to prosperity. She recently ascended to Uganda’s Ambassador for the United Nations Women’s Entrepreneurship Day Organization.

And it is mainly through her irrepressible advocacy for the financial empowerment of women that Damali has found a shared passion and common cause with HiPipo. She has thus been a partner, mentor, facilitator, keynote speaker and Chief Guest in a number of our activities. She also, at a moment’s notice, eagerly extends a hand of friendship and words of advice to those we entreat her to engage.

We are greatly excited that as part of the HiPipo Foundation Board, Damali shall take the lead in our Women-in-FinTech initiative, guiding us through existing activities like the Hackathon, Summit and Incubator, as well exploring more avenues to improve and increase our efforts towards a future where women have unencumbered access to the digital financial services they need.

Echoing this, Board Chairman Hon. Eng. David Karubanga said, ’At HiPipo we have been honoured to engage a number of extraordinary ladies, like our dear advisor Professor Maggie Kigozi. Ambassador Damali Ssali fits in that formidable mold, and we are supremely glad she has joined us. With her, and with the continued support of the Gates Foundation, HiPipo should positively change even more lives’.

Overall, it remains the HiPipo Foundation’s objective to continually include those who are passionate to ‘Include Everyone’.

Welcome, Damali!

Commencement Of The We Will Win Initiative

HiPipo and the Ideation Corner, with great pleasure, announce the start of the We Will Win initiative, a project that is set to make extraordinary inroads into the development and growth of Uganda’s film industry.

The We Will Win initiative is the brainchild of and a collaboration between a number of like-minded influential players in the finance and entertainment industry. Together, we are The Consortium, and include HiPipo itself, The Ideation Corner, NG Films, MET Images, Koncepts & Sakyas, and Decent Africa.

Innocent Kawooya, the HiPipo CEO, is serving as the President, Technical Services, and Damali Ssali, the Ideation Corner Founder, is serving as President, Financial Services: they are the powerhouse duo spearheading the project.

We Will Win is a revolutionary and multi-pronged approach to steer to audiences and markets alike a high volume of quality films, all conceptualised, directed, and produced in Uganda, and all telling our stories our way. We Will Win is to offer technical and financial support at all levels of these productions, from the script to the shoot to the editing room, and then go even further to secure market for these visual stories.

This approach should see Uganda’s film industry move forward in leaps and bounds, not only by improving quality both in front of and behind the camera, but also by introducing Ugandan film to vast new interest and markets, both internally and externally, thus letting the industry emerge as the creative and empowering force it doubtless has the potential to be. HiPipo will call on its extensive experience in the same, having been the first Ugandan enterprise to produce and then place a local production onto an international streaming platform and the Ideation Corner will leverage its vast experience in social impact funding.

Be it action, drama, comedy or horror, be it mind-bending science-fiction or slapstick animation, experimental film or mythological fantasy, Uganda is a place of countless stories yet to be told and multitudes of voices ready to unfold and enthrall the world. Through our music and culture, we have shown we can hold the world’s attention. We Will Win is the springboard on which to make this vast creative leap forward, going even further in our storytelling and our entertaining. Yes, the time has come for us to stop looking for versions of our stories in those already told by others, but to finally go all out and tell our very own, and in our own way.

The wider picture of the We Will Win initiative speaks to how the creative industries are critical to the Sustainable Development agenda. They are the bedrock of innovation, and are an important factor in the ever evolving services sector. They support entrepreneurship and contribute to job creation, cultural diversity and gender diversity. As such the United National General Assembly declared 2021 the International Year of the Creative Economy of Sustainable Development.

#WeWillWin #IdeationCorner!


As part of our continuous efforts to not only improve the quality and variety of digital financial services, with a special emphasis on those that cater for the unbanked and underserved, but also to ensure that the delivery of these services offers rewards to the innovators, HiPipo sought to build on the gains made from the 2nd Women-in-FinTech Hackathon & Summit. And this we have successfully done by engaging the Hackathon’s top teams in the inaugural Women-in-FinTech Incubator. 

The essence of the Incubator is to empower the innovators with entrepreneurial and operational skills to complement their already formidable technical acumen. Thus, over the course of 90 days, the Incubator participants have been part of multiple online sessions and face-to-face group consultations, with even a cocktail thrown in for good measure. The facilitators, who included HiPipo CEO Innocent Kawooya and Ideation Corner Founder Damali Ssali, covered a vast range of topics to ready the participants for the business journey ahead. Core to the Incubator was to create linkages between the Level One Project principles and how they can be the firm foundation on which a successful FinTech vehicle is built.

We at HiPipo are glad that March 8th, the International Women’s Day, has served up a fantastic opportunity. In conjunction with the Ideation Corner, we intend to also use that day as the conclusion of the Incubator. It was Damali Ssali, who recently ascended to the Ambassadorial role for Uganda at the United Nations Women’s Entrepreneurship Day Organisation (WEDO), and is now also an Advisory Board Member of the Africa Continental Chamber of Commerce and Industry, who helped us shape the idea.

It is greatly symbolic for all of us that the day set aside to remind all that women must be given the opportunities to fulfill their potential, that all forms of discrimination and sexism that have been placed in their path need to end, and that the world will only truly bridge its development gaps if women are fully brought into the innovation space, syncs perfectly with what the Women-in-FinTech Hackathon & Summit in particular and indeed the HiPipo Include Everyone program in general, stands for- to break all biases that hinder the acquisition and adoption of life changing digital financial technology.

And to all those that have successfully taken part, we can assure you that this is just the beginning. HiPipo will continue to be there for you as you set forth to conquer the world with your innovations. Our promise of service is the least you deserve for choosing to make the world a better place through the power of digital financial technology. So handing you your certificates on March 8th is just another landmark in our shared journey. Congratulations, dear friends!

Of mood boards, apertures and universal values: #WomenInFinTech #LevelOneProject Incubator

Arthur expounded on what he referred to the ‘values desirable as social beings’. He explained these as the values that are common and constant to every human being, regardless of their background or status. These include integrity, respect, loyalty and responsibility. They work as uniting factors for any team and/or organisation. In fact, it is nigh impossible for productive working relationships to be built without them inculcated into a team.

Emmanuel Kintu continued on the Fundamentals of Photography, detailing what camera modes there are (automatic and manual), and also touched on speed and aperture priority. He alerted the participants to the fact that henceforth they will need to take time to ‘plan’ for what kind of image/photo they want, especially as they communicate about their products/services. Will it look better in black & white? Should the background be blurry in order for the focus to be on the subject in the foreground? Such are the questions they needed to get used to asking themselves.

Steven Kimuli brought in the aspect of a mood board: it being a collection of textures, images and text related to your company, and thus being essential to the creative process so that efforts directed towards design are not haphazard, and are indeed aligned with your desired creative direction. He also gave pointers on what to look out for in order to hire the right team for a design job, alerting all to the fact that design has its own specialisations, and knowing who to approach reduces on the portfolios you would end up sifting through.

For Innocent Kawooya, the Tiered KYC angle he tackled today was to explain how The Level One Project advises financial players to be innovative and flexible about gathering KYC data. The process should not be overly complicated for the targets i.e. the onus is on the innovators to find fitting ways to onboard those they are interested in, ensuring at the very least they now have a transactional account. He also contributed to the values discussion, as part of a response to a participant who talked of an unfortunate time when she went unpaid for services she had provided. His warning to the participants was for them to endeavour to pay their debts, warning of instances to come when the temptation might come to delay a payment instead settling it immediately.

Camera settings, standing out, & time for KYC: #WomenInFinTech #LevelOneProject Incubator

Emmanuel Kintu rounded off his talk on digital camera settings, touching on the aspects of exposure, shutter speed, aperture diameter and ISO (International Standards Organisation). His presentation, as usual, was furnished with a variety of images to illustrate what he was explaining.

Arthur talked about four categories of value: personal, spiritual, family and career. He again stressed how all are interlinked, and should not be developed independent of each other.

Steven Kimuli’s discussion this time round looked at the things a company (or even an individual) needs to do in regards to branding in order to stand out against competitors. This includes one stepping out of their own space and concentrating on what they are doing, and taking time to get to know both the key players and influencers in their industry.

Innocent Kawooya introduced Tiered KYC as the week’s Principle to concentrate on. He thus highlighted the importance of the innovators understanding their target and/or market. This they should do to the best of their ability, and know that it is a never-ending process to which a fair bit of resources should always be readily dedicated.

The value proposition, types of mass communication, and we bring in the ‘light’: #WomenInFinTech #LevelOneProject Incubator

The aspect of the Social Venture Business Model George discussed today was the value proposition. He described how it is 2-way: on one hand there’s the promise by the service provider to the client that what the former puts forth will be of value. And on the client’s side there is the belief that this value will be delivered, experienced and/or acquired. This’ important for the innovators, for it will always be necessary for them to understand what their clients need, and thus what is expected of them to deliver. Or provide value, you could say.

Continuing on mass communication, Francis defined and discussed three types of it: journalism, advertising and public relations. He illustrated the differences between the three, specifically how all might target the same individuals, but are expected to elicit different reactions.

Emma started his talks on the Fundamentals of Photography, first by getting the opinions of those in attendance on what they believe photography to be. Then in his own explanation, Emma stressed how light is central to the concept of photography. He next touched on what exposure is.

Referring to all that had been spoken, Innocent illustrated how HiPipo’s own initiatives and ventures, including 40 Days 40 FinTechs, the very Women-in-FinTech Hackathon the participants had been involved in, and indeed the ongoing Incubator itself, were run along many of the principles of the Social Venture Business Model. Proper execution of these initiatives needed careful application of various types of mass communication. And, of course, documentation was nothing without photography executed in a manner both skillful and timely.

Consideration of the above is what has helped HiPipo make tremendous headway in advocating for and promoting Same Day Settlement, and indeed The Level One Project in general. They should thus also matter to the participants as they set off on their entrepreneurial journey.

#WomenInFinTech #LevelOneProject Incubator – The social good, major league communication, and stacking up those values:

Kasakya George, who you can now call the ‘Social Venture Business Model Canvas Guy’, further defined the model, this time introducing and defining what a social good is, and how the budding entrepreneurs have to take time to look at their purpose for the business and decide whether it is, well, fit for purpose. A clear realisation on how they hope to help their clients might necessitate a ‘system change’, a new model that calls for a more altruistic approach in order to bring onboard those that need the service the most.

Francis introduced the concept of mass communication, defining it and illustrating how it goes hand in hand with mass media. He also touched on two key theories of mass communication (magic bullet and agenda-setting), and asked the participants to take time to understand how they and their products and services fit into the mass communication and mass media ecosystem.

Arthur further expounded on how important values are to the worker and innovator. As one goes through personal growth, there comes a time where they seamlessly transfer that growth, with the values therein included, into the products they create and the organisations they work for. Needless to say, better people make better products, and are better attuned to the needs of those they are supposed to serve.

Innocent Kawooya, CEO – HiPipo concluded the session by urging the participants to remember that all that was being shared has to be aligned with the principle of Same Day Settlement. How they set up as a business, how they communicate, and the values they cherish as an enterprise need to be in service to this principle, and indeed all the others, as will be discussed in time.

#DIAA2021: Standard Chartered Bank Wins Digital Brand of the Year

Standard Chartered Bank was yesterday announced the 2021 Digital Brand of the year. To win this Award, Standard Chartered Bank beat competition from Stanbic Bank and Centenary Bank that came second and third respectively. As such, Standard Chartered Bank retained the same prize it won in 2020.

Digital Impact Awards Africa is a platform that promotes Digital Inclusion, Financial Inclusion and Cyber security. Precisely, the Awards seek to recognize, celebrate and appreciate different individuals and organizations that are spearheading the use of digital mediums to better serve their communities.

The 8th Digital Impact Awards Africa were held on Friday, 10th December at Mestil Hotel, Kampala as part of this year’s Digital and Financial Inclusion Summit organized by HiPipo and supported by Level One Project, Mojaloop, ModusBox and Crosslake Technologies.

The Digital and Financial Inclusion summit explored the strategic trends and technologies that are shaping the future of Digital, Information Technology and Business with special attention to the safety of customers’ funds and security of platforms in the financial technology industry. The summit discussed at length the disruptive impact of COVID-19 on the general business ecosystem and what players must do to recover.

This year’s summit brought together C-Level executives that are spearheading the introduction, adoption and usage of digital and financial services across Africa. Speakers came from multinationals, large enterprises, small and mid-sized enterprises, start-ups, informal businesses (such as market vendors and smallholder farmers) and sole proprietorships (public transport drivers/riders and e-commerce delivery agents), among others.  

 Below is the full list of winners of the 2021 Digital Impact Awards Africa.

Digital Banking Excellence

  1. Standard Chartered Bank (Gold)
    1. Stanbic Bank (Silver)

Banking Innovation Excellence

  • CenteOnTheGo | Centenary Bank

Community/MFI Banking Innovation Excellence

  • Centenary Bank (Gold)
    • Pride Microfinance (Silver)

FinTech Innovation Excellence

  • Digital Ticketing for Transport Services by KaCyber Technologies. (Gold)
    • SafeBoda Business Loans in partnership with Numida. (Silver)

Financial Services Digital Excellence

  • Stanbic Bank (Gold)
    • Standard Chartered Bank (Silver)

Consumer Goods Digital Excellence

  • Movit Products (Gold)
    • Café Javas (Silver)

Utilities and Government Services Digital Excellence

  • NWSC (Gold)
    • URA (Silver)

Technology Services Digital Excellence

  • MTN Uganda (Gold)
    • Rocket Health (Silver)

Digital Campaign Excellence

  • Stanbic National Schools Championship (Gold)
    • Jumia Anniversary (Silver)

Digital Brand of the Year

  • Standard Chartered Bank (Diamond)
    • Stanbic Bank (Gold)
    • Centenary Bank (Silver)

#DIAA2021: Journey to 2021 Digital and Financial Inclusion Summit kicks off with a Call for Entries

For Immediate Release.   

Wheels to the 2021 Digital and Financial Inclusion Summit that will also feature the 8th edition of Digital Impact Awards Africa have been set in motion with the opening of all channels for submissions of entries.

The Digital and Financial Inclusion summit will explore the strategic trends and technologies that are shaping the future of Digital, Information Technology and Business with special attention to the safety of customers’ funds and security of platforms in the financial technology industry. The summit will discuss at length the disruptive impact of COVID-19 on the general business ecosystem and what players must do to recover.

This year’s summit will bring together C-Level executives that are spearheading the introduction, adoption and usage of digital and financial services across Africa. Speakers will come from multinationals, large enterprises, small and mid-sized enterprises, start-ups, informal businesses (such as market vendors and smallholder farmers) and sole proprietorships (public transport drivers/riders and e-commerce delivery agents), among others.  

As such, all people interested in being part of the 2021 Digital and Financial Inclusion Summit speakers and presenters in all the aforementioned categories should email their expression of interest to socialweb@HiPipo.com before November 20th. Such a submission should include a brief about the potential panelist and why they must be shortlisted.

#DIAA2021 Nominations underway.

This call for entries thus marks the start of a comprehensive Digital Impact Awards Africa entry submission and validation process that will run until November 13th, 2021. This will then be followed by the release of a list of nominees, Jury assessment and a rollout of public voting from November 17th to December 9th.

Under the theme #IncludeEveryone, Digital Impact Awards Africa is a platform that promotes Digital Inclusion, Financial Inclusion and Cyber security. Precisely, the Awards seek to recognize, celebrate and appreciate different individuals and organizations that are spearheading the use of digital mediums to better serve their communities.

Altogether, there are 10 Africa-focused and 17 Uganda-dedicated categories as shown in the #DIAA2021 entries’ submission form.

This year’s Digital and Financial Inclusion summit will run from 9th to 10th December at Hive Colab and Mestil Hotel respectively, with the Awards gala set to be the climax of this two-day interactive, informative and intriguing activity.

The summit and awards will use 3 official tags

#IncludeEveryone #DIAA2021 #LevelOneProject


  1.  Mavmica Acebooktwittermore


  1. Africa Best FinTech Innovation
  2. Africa Best Smart Device Initiative
  3. Africa Best Internet Access Initiative
  4. Africa Best Mobile Innovation for Health
  5. Africa Best Mobile Innovation for Agriculture
  6. Africa Best Mobile Innovation for Education
  7. Africa Best Mobile Innovation for Banking
  8. Africa WomenInFinTech – Leadership Award (Personality)
  9. Africa Financial Inclusion – Medal of Honor (Personality)
  10. Africa Best Digital Response to Covid Impact.


  1. Financial Inclusion Excellence
  2. Women Financial Inclusion Outstanding Contribution
  3. Digital Banking Excellence (Online/Web, Mobile, Social Banking)
  4. E-Commerce Excellence
  5. Agriculture Digitization Excellence
  6. Green Energy Excellence Powered by Financial Inclusion.
  7. Best Digital Customer Experience
  8. Best Brand on Social Media (Financial Services, Telecom, IT)
  9. Best Brand on Social Media (Consumer Goods)
  10. Best Brand on Social Media (Utilities, Government Services)
  11. Best Digital Powered Campaign
  12. Best Mobile Payments (Innovation)
  13. Best Cards Payments (Innovation)
  14. Best Community Banking
  15. Best Digital Awareness Initiative (Financial Literacy, Cybersecurity)
  16. Best Digital Embrace (Non-Consumer Facing Brand)
  17. Digital Brand of the Year


#LevelOneProject: Kuzimba Services wins 2021 #WomenInFinTech Hackathon

Our Reporter.

The week-long Women in Fintech Hackathon came to an end last Friday with Kuzimba Services, providers of online construction and engineering solutions being declared winners after shrugging off tough competition for the top prize.

Organised by HiPipo in partnership with Crosslake Technologies, ModusBox, Mojaloop and Level One Project, the hackathon that culminated into the Women in Fintech summit, also saw all the teams that made it into the top six rewarded with cash prizes in addition to further three months training –incubation program.

Kuzimba services, whose team leader is Eng. Ephrance Eunice Namugenyi, won the top cash prize of Shs4million in addition to further three month training in different aspects, including business side of technology, product management and marketing. Hack Girls – developers of an interoperable payment platform for NGOs were second while PesaJet – with their digital agriculture platform named Farmore came third.

“What was just an idea has turned out to be real and usable. The hackathon has been hectic but we were up to the task. We knew we had a good product that addresses real community needs but winning the overall product has been a huge surprise,” Eng. Namugenyi told Daily Monitor in an interview after her team scoping the overall prize.

She added:  “With Kuzimba web/mobile app, you can quickly get help on estate/site/home building/construction. We provide online and fast engineering solutions, making purchase of building materials and transportation easy as well as providing access to building experts, carpenters, transportation means, architects, interior designers, cleaners and engineers.”

The Women in Fintech hackathon had 16 teams that were women led and women dominated with each team having between two to four members, majority of whom under the age of 30 years. The hackathon introduced the participants to new and emerging tools and technologies that are available to help them create inclusive and instant payment solutions that can ably serve people at the bottom of the pyramid.

Trials and Tribulations.

Although HiPipo and partners, including Crosslake Technologies, ModusBox, Mojaloop and Level One Project, are looking at empowering more women in the technology space, particular in areas of developing innovative and interoperable technologic solutions, there are still numerous barriers hindering women participation in Fintech and technology as a whole.

Discussing challenges and way forward at the Women in Fintech Summit, Founder and Author of Ideation Corner, Ms Damali Ssali noted that cost of both internet and digital transaction remains way beyond what many women, including those in Micro, Small and Medium enterprises can afford. And this explains why only just about 10 per cent of money is being exchanged digitally in Uganda.

As for Ms Doreen Lukandwa, the Vice President Global Enterprises at MFS Africa/Beyonic, women need to be allowed to be revolutionaries as it is through this freedom to invert and innovate that they can eventually develop products that empower them to be better across the economic sectors.       

Offer support.

Nonetheless, Innocent Kawooya, the HiPipo CEO noted that even amidst several challenges, stakeholders both government and private must continue to empower and encourage more women participation in technology at all stages as this is one of the surest ways of closing the gender diversity gap in the technology space.

“Our intention and that of our partners is to ensure that the technological gender gap is closed. Platforms like the Women in FinTech hackathon and summit are just one example of what we are doing to empower women,” Innocent Kawooya said.

 He continued: “We want to see more women in the digital innovation space, support them to not just understand but also innovate digitally. We will also continue working towards inclusive digital solutions as well as creating technologies that support and help populations at the bottom of the pyramid get financially included.”

Additionally, Hon David Karubanga, the HiPipo Patron and MP for Kigorobya County noted that the government of Uganda is committed to enhancing financial inclusion and women empowerment.

He promised to work with HiPipo to present all the sixteen teams’ ideas to the Ministry of ICT and deliberate on how they can be further helped.

Top Six Teams.

1. Kuzimba Online Services – Online Supermarket for Construction and Engineering.

2. Hack Girls – An interoperable finance management solution to enable NGOs and other organisations disburse bulk transactions to final beneficiaries.

3. PesaJet (Farmore) – A digital platform for smallholder farmers offering garden inputs, markets, savings and loans.

4. Green Shares – Digital Payments for fmallholder Farmers

5. Mpa Mpe – A fundraising platform for young entrepreneurs and their businesses.

6. Farmers Financial Development Avenue (FFDA) – A solution that connects farmers to banks, helping them have easy access to credit services.