In this episode, I speak with David Hwan, Co-founder & COO at KWARA, a Nairobi and Berlin based startup turning credit unions into modern digital banks. Backed by Finparx, Google, Norrsken, FINCA Ventures, Catalyst Fund and Kepple, today Kwara serves over 50,000 end clients David and I talk about: 1. His journey to founding of Kwara? 2. What problems his team is solving for African credit unions 3. What is the business model 4. The potential of credit unions in emerging markets. 5. Fundraising. what was the biggest challenge 6. What is the next step in terms of the growth and expansion. 7. What are one thing he wants to change most in startup ecosystem 8. Does diversity really help to grow the business. If yes, why?