Empowering SACCOs through Democratized Banking.

Driving change with customer obsession, olympian mindset, and the power of diversity.

Founded

2019

Credit Unions

200

Members

184,000

Live in Kenya 🇰🇪, Philippines 🇵🇭 and South Africa 🇿🇦

We have developed our flagship core banking solution for credit unions in a proprietary fashion, driven by years of credit union research globally.

Join the team

Backed by great investors

Banking with a
common interest

We believe credit unions are the fastest way to bring financial health to millions. Join us as we make banking together fast, safe and exciting!

Kwara elevates the credit union banking experience by bringing modern, secure and reliable technology to credit unions, making it easy for staff to focus on customers, and attractive for anyone to join and benefit from high returns on their savings and fair credit to build financial health.

For decades, people have formed savings and lending groups, built on trust and community. These groups have developed into nearly 100,000 formalized financial institutions that now serve over 400 million people in emerging markets.

Our mission is to improve financial health in emerging markets. We believe credit unions are the fastest way to get there. They are also the fairest financial institution, because people who save and borrow with a credit union are also shareholders of the same credit union, earning them a share of the returns (dividends) and a say in how the institution is run.

A knowledgeable team you can trust

Cynthia is a Kenyan engineer with experience in corporate, non-profit, and entrepreneurial settings. She has worked in Singapore, Greece, and New York, and has also monitored elections and done social work in Cambodia, Venezuela, China, Mexico, and Kenya. She launched her first startup across 15 African markets.

Cynthia Wandia

CEO/Co-Founder

David is Dutch-Indonesian and studied Philosophy and Tax Law in Amsterdam. After M&A experience at PwC, he founded an incubator for refugee entrepreneurs in the Netherlands where he accelerated over 100 entrepreneurs from almost 20 countries, including tech startups that went on to raise six figures within a year of ideation.

David Hwan

COO/Co-Founder

Former Amazon, Nintendo and Finiata. Spencer has led multiple engineering teams and has deep core banking experience, having led the transition project of core banking engine at Finiata - a German B2B neobank. He has also worked with high-frequency payments, ensuring reliability and consistency.

Spencer Bray

Head of Engineering

Bruno is a seasoned Business & People Partner with a proven track record of growing teams and executing growth strategies. He has worked at two Latin-American unicorns, Nubank and EBanx, where he helped grow the teams from 385 to 1,000 and 40 to 200, respectively.

Bruno Martins

BizArch & People Lead

Emilie is an ex-founder and ex-strategy consultant. Before moving to Kenya, she rolled out new digital business models for large FMCG companies across the continent. She then founded a start-up in restaurant supply chain and financing, which reached >$5M annualized GMV.

Emilie Blauwhoff

BizOps Lead

Salome is a seasoned professional with experience in operations as well as sales across tech and design. Salome has a degree in Sociology and Communication and a postgraduate Diploma in Human Resources. Excited to be selling Kwara Core Banking solutions for the last 5 years..