African Digital Business Accelerator.

About US.

Fintech Frontiers Ltd is a collective of professionals brought together by a shared interest in promoting the growth of the digital economy in Africa. We aim to harness the benefits of innovations in technology to propel economic growth for the benefit of all including the informal sector players and those disadvantaged by the rigid structures of the traditional economy. We believe that innovations in online marketplaces and deployment of efficient payment systems within a facilitative government policy environment have the potential to improve the livelihoods of African communities through the promotion of national, continental, and global trade.

worked with.

  1. Governments in the development of supportive digital business policy and regulatory frameworks for digital financial services.
  2. Central Banks in operationalization and optimization of national payment systems.
  3. Fintech service providers in business model deployment and integration to mainstream businesses.
  4. Legacy businesses in the development and execution of digitalization strategy and business model transformation.


Fintech Institute is our knowledge partner responsible for building capacity of regulators, policymakers, and captains of industry. We help these key decision-makers to understand trends in the digital economy and thus enhance the quality of policy formulation and corporate decision making.


Our Recent Experiences.

1. National Bank of Rwanda/AFR

Rwanda National Digital Payments System (R-NDPS) – Development of Scheme Rules. 2019 to date.

2. Malawi Retail Payments Interoperability

Fintech Frontiers Ltd has been appointed to lead the integration of Saccos to the national digital financial system (DFS). The assignment includes

3. Review of the taxation proposals for the Digital Market Place

KEPSA submission to the Parliamentary Committee on Finance 2019.


4. Universal Agency Banking Platform for CPF Financial Services Kenya

Fintech Frontiers was appointed to advise on the development of a universal agent banking platform for CFS Financial Services, a leading pension services group in Kenya. The platform aims to drive financial inclusion by making agent banking viable in marginal areas of the country in order to serve vulnerable communities who often include public service pensioners. Fintech Frontiers successfully lobbied various policymakers and government officials to agree on a regulatory framework for this innovation that was not specifically provided in law.

5.OTHERS include

Advising Central Bank of Madagascar on Digital Financial Services and financial inclusion – 2020.

Advising Central Bank of Tunisia on enabling regulatory framework for Digital Financial Services – 2020 Ongoing.

Advising COMESA Business Council on enabling regulatory framework for Digital Financial Services – 2020 Ongoing.





Stephen is a respected financial service professional with over 35 years of experience in payment systems, policy advisory, and banking supervision.

He is the former Head of Payment, Clearing and Settlement Systems at Central Bank of Kenya, where he also occupied strategic policy-making roles in the development of digital financial services and financial inclusion. He is also a member of the International Organization on Standards Organization (ISO) Technical Working Committee on Mobile Payments.

Stephen has a Master of Business Administration (MBA), Master of Laws (LLM), Bachelor of Laws (LLB), and BSC Mechanical Engineering degrees.

Chief Executive officer


Titus is a financial services professional with 20 years of experience in financial markets ranging from stockbroking, fund management, banking, and corporate finance advisory services. He was the founding Head of African Alliance Securities in Kenya, Head of Co-operative Consultancy Services Ltd, Director of Co-operative Banking Division at Co-operative Bank and Managing Director at Sidian Bank Kenya.

Titus holds a Bachelor of Commerce, Finance from the University of Nairobi, a Diploma in Computer Science from IMIS, is a qualified accountant under the ACCA of England and Wales, and is a Certified Executive Coach under the International Coaching Federation (ICF).

He is currently the Managing Director at Fintech Frontiers and Chief Executive Officer of the Fintech Institute. 




Fintech Frontiers Ltd

6th Floor, Silkwood Office Suites

Ngong Road, Nairobi


Tel: 020 4402070

Cell: 0733 900 777