Struggles of the Modern Chama Picture this scenario, The last Saturday of the month. A group of twelve women—nurses, teachers, small business owners—crowd into a member’s living room in Kawangware. Notebooks sprawl across the coffee table. A worn ledger passes from hand to hand. Cash changes hands, but the tension is palpable. Sarah forgot her…
Think about the last time you sent money on M-Pesa. That simple act—tapping your screen, entering a PIN, hitting send—felt routine, right? What you didn’t see was the quiet revolution happening in the background. A digital guardian, learning and adapting in real-time, ensuring that your money moved not just quickly, but safely. This is the…
We’ve all heard the promises. A government stripped of corruption, its messy human dealings replaced by the clean, unerring logic of code. Services delivered instantly. Land fraud, vanished. It’s a powerful, almost irresistible vision, one that positions Kenya at the bleeding edge of a global digital revolution. But every revolution has its casualties. And in…
For most of internet history, we’ve created things that never truly belonged to us.Every photo posted, song streamed, or article uploaded has lived on someone else’s platform — governed by invisible rules and hidden algorithms.Ownership, in the digital world, has always been a kind of illusion. That illusion is ending. Web3, powered by blockchain technology,…
There’s a quiet revolution happening in finance—a shift that’s rewriting the rules of how money moves, grows, and belongs. It’s called Decentralized Finance, or DeFi, and it’s building a world where people no longer need to trust banks, brokers, or bureaucracies to handle their wealth.Instead, they trust code—open, verifiable, and borderless. DeFi is more than…
