BARNABAS MUNGO

Experienced Digital Banking Specialist with 12+ years in the financial services industry. Committed to organizational growth and development, bringing forth expertise in digital banking solutions, financial advising, and customer service focusing on innovation and creativity in a rapidly changing environment. Proven track record in fostering strong client relationships, driving operational efficiency, and promoting a harmonious working relationship among staff. Committed to continuous learning and preserving the environment for future generations and striving to achieve organizational targets through hard work and collaboration. Passionate about discovering and aligning with the core goals and objectives of ambitious organizations. Additionally, am an account management professional experienced in client relations, strategic planning, and revenue growth. Known for fostering team collaboration and achieving results, Am adaptable to changing business needs. Skills include relationship building, negotiation, and project management. Recognized for reliability, effective communication, and problem-solving abilities.

• Collaborated with the banks selected cross functional team in the development of KCB Mpesa product that led to lending of customers with no historical banking data but were transacting with Safaricom leading a jump in the banks profits on digital lending.

Key Achievements:
Active monthly customers 500,000
Average monthly loan disbursements Kes 3.8

billion.
Average ticket size is Kes 7,000

• Development of the new super app for the KCB Bank group. A key deliverable for the group in 2024 having mini apps capabilities and direct integrations with various leading fintechs, offering WAAS, B2B and other cutting edge client and customer solutions. This aims to drive the bank to have 10 million active users both on mobile banking and wallets by close of FY 2025.
• Migration of KCB group mobile banking platform to Vooma and ensuring seamless customer experience during the change.
  Key Achievements;
  a) 1.5 million 30 day active mobile banking customers.
  b) 500k Lipa na KCB and Vooma merchant tills.
  c) 4.5 billion inflows from the merchant tills with a 60% retention rate in deposits mobilized.
  d) Increase mobile banking transactions 10 times due to system stability.
  e) CES 13 and NPS at 68%
  f) Nil frauds on mobile banking platform.
• Developed a versatile mobile banking system that has enabled KCB branch staff to onboard customers to mobile banking, create organizations seamlessly by hooking it to the bank's mobile money platform, account opening of informal sector customers, creation of retailer financing module that supports MSME business enterprises among other modules. We continue to build on it for more iterations coming soon.
• Together with a select group of staff (10 in number) we worked on this digital consumer lending product that allowed users to overdraw their mobile wallets by their approved limits. This product is as a result of partnerships between KCB (KCB Mpesa Customers) NCBA (Mshwari Customers) and the telco partner Safaricom.
  
  The product has been hugely successful leading to expansion of the same to business entities.
  Key Achievements;
  a) Active monthly customers 8.5 million.
  b) Average monthly loan disbursements Kes 81 billion.
• KCB Mbenki; key milestone in technology-driven innovation targeting the unbanked population by launching a new product dubbed KCB M-Benki, the first in Kenya and the region.
  
  KCB M-Benki, is accessed through the mobile phone, and it allows any individual to easily open a bank account through the KCB Mobile Banking platform hassle-free. This is paperless banking that is easy, quick and gives instant access to all banking services once the registration is validated online using the services.
  
  This innovation has accelerated the reach to the unbanked in the country in a convenient, easy and simple manner without personally visiting a branch to open a bank account.
  
  This in turn allows customers to easily access banking services anywhere in the globe whether they have a KCB account or not.

• 2024, Scrum fundamentals certified, Agile project planning, Agile principles and methodologies, Agile stakeholder engagement, Data privacy course, Agile stakeholder engagement and team development, Cyber security awareness, Defining project scope and team, Green lending, Fraud risk management, Building a product strategy, Product manager essentials
• 2022, April, Completed a SAFe (Scaled Agile 5.1) training course for scrum teams covering various topics.
• 2018, December, Huawei Mobile Money Training in Hangzhou China
• 2005, September, Driving Course with Automobile Association (A.A) and attained a B.C.E Class Drivers License and in 2024 Obtained International Drivers License.
• 2001, August, Red Cross First Aid Training on Community Based First Aid at initial level with the Kenya Red Cross.

• Mr. Mark Adoyo, Managing Director, Empay Digital LTD, +254722844201, adoyomark@gmail.com
• Mrs. Patrose Muraya Njimu, Director Product Management, Mastercard, +254720424130, patinjimu@gmail.com
• Alex Kaindo, Head, Product Development, KCB Bank - DFS Division, +254722162264, akaindo@kcbgroup.com

• Project Simba - Migration of the current mobile banking for KCB Bank Group to a new platform provided for by Murong.
• Vooma Mobile Life Project - Creation of a mobile life Fintech platform for KCB Bank Group that will change the course of how Payments, Savings, Lending and Investments will be handled in the industry through digital channels accessible to the banks customers and non customers too.
• Mobi Migration Project - Migration of mobile banking for KCB Bank Group to a new platform provided for by Huawei and deploying of merchants and agents creation to enable closing in on the payments landscape in Kenya. Leading with 400k active Vooma merchants with ability to received payments from multiple sources and over 2 million users in the payments platform.
• KCB Chama Solution 2 - This is an upgrade/evolution of Chama solution 1 that now allows schemes such as Melinda Gates to offer grants and support structured and unstructured groups as well as digitize the whole groups ecosystem from member onboarding, managing contributions as well as online loan applications.
• Mbenki - The first ever virtual account in Kenya opened in the core banking system leading to acquisition of 1.2 million new to bank users in one year.
• MVisa - A revolutionary payment method in which payments are done using the smartphone. KCB became the first bank in Kenya to fully implement this service and gaining over 500k customers utilizing the service.
• KBA Pesalink - a new approach to electronic payments spearheaded by Kenya Bankers Association's member banks. It is a real time 24-hour digital payment solution that allows for bank-to-bank transfers at a low cost. it is easy to use, fast, convenient, secure and affordable mode of facilitating payment transactions wit higher transacting limits of upto Kes 999,999.
• Mobi Reg Portal - Developed a versatile mobile banking system that has enabled KCB branch staff to onboard customers to mobile banking, create organizations seamlessly by hooking it to the bank's mobile money platform, account opening of informal sector customers, creation of retailer financing module that supports MSME business enterprises among other modules. We continue to build on it for more iterations coming soon.
• Fuliza - A continuous overdraft service that allows Safaricom's M-PESA customers to complete their M-PESA transactions even when they do not have enough funds. KCB is one funding partner of the service while the telco gives us the qualified customers.
• KCB Chama Solution 1 - Another innovation the first of its kind in Africa that will allow groups doing table banking the ability to do their banking over their mobile phones irrespective of their geographical locations thus mitigating risks related to cash handling.
• KCB Mpesa - A disruptive innovation that ensured opening of accounts to M-Pesa customers and also giving them loans based on the pre-scored limits through their mobile phones. Currently we are closing in on 7 million customers within a year.