Joel Muhumuza

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Joel Muhumuza is the Manager Financial Services in the Access and Usage pillar at Financial Sector Deepening Uganda. Joel is responsible for working with partners on concept and product development as well as managing the partner project from concept to pilot. He is also the lead on several themes including microinsurance, linkage banking and digital payments, as well as being a key contributor to emerging areas in FinTech such as crowdfunding, cryptocurrency and mobile enabled securities.

Joel has 8 years’ experience working in financial services, 5 of them in financial inclusion and, in particular, the area of Digital financial services design and implementation. He was commercial lead on the launch of 4 products in the Ugandan market with MTN, Airtel, and Centenary Bank, Pride and Barclays Bank while at Grameen Foundation. He’s also worked as a financial services design consultant under the MM4P program of the United Nations Capital Development Fund in Uganda and Zambia, where he worked on the successful pilot of a mobile based service and has published a number of articles in various publications on digital finance and product adoption.

Joel holds an MBA , where he was a member of the Beta Gamma Sigma Business Community and was awarded a certificate in Digital Money from the Fletcher School in Tufts University.

Publications by Joel Muhumuza

  1. Trade, Poverty and Pencils.
  2. Lessons from the Great Fire of London. Why insurance matters
  3. Car Wash Sundays: A communal approach to health insurance
  4. Micro insurance and the use of mobile phones
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