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Empowering SACCOs through Democratized Banking.

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



Credit Unions




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
Kwara HQ Kenya
Backed by great investors
Soft BankBreegaKepple AfricaRaba PartnersBonumBase CapitalDob Equity

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!

How we elevate credit unions

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.

How we build trust and community

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.

How we empower our customers

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
Cynthia Wandia


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 Wang
David Hwan


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.

Cynthia Wandia
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
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
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..

Salome Njoki
Salome Njoki

Sales Lead

Michelle is the visionary Product Owner at Kwara, revolutionizing digital banking for credit unions. With expertise in Computer Science, Web Development, and UX Design, Michelle leads our product team, driving user-centric solutions.

Michelle Itindi
Michelle Itindi

Product Owner

With a rich background spanning FMCG to fintech, Wanjira thrives in fostering cross-functional bonds, uniting brand vision with real-world needs. From Unilever to, Wanjira excels in crafting growth-driven strategies.

Wanjira Ng’ethe
Wanjira Ng’ethe

Product Marketer

Come join us

See Open Roles
Help us in shaping the future of credit union banking experience

Kwara Team Lunch at the Kwara House

Kwara in the Press

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