David Opio Obwangamoi

Leaders from Uganda’s digital finance ecosystem at the gnuGrid Universal Loan Checker Uganda stakeholder meeting, highlighting collaboration on responsible digital lending.
Key leaders from Uganda’s digital finance ecosystem — L-R: Japhet Aritho, CEO, Airtel Mobile Commerce Uganda Limited (Airtel Money); Richard Yego, Managing Director/CEO, MTN Mobile Money Uganda; David Opio Obwangamoi, Founder and Team Lead, gnuGrid CRB; Shakila Kerre, MSME & Fintech Financing Specialist, UN Capital Development Fund (UNCDF) and Racheal Vanesa N. Muhwezi, Manager for Microfinance Institutions, Uganda Microfinance Regulatory Authority (UMRA) — are united behind the Universal Loan Checker. Their shared commitment to transparency, interoperability and responsible lending signals a major step toward safer borrowing, stronger portfolios and greater trust across the digital credit market.

gnuGrid CRB Set to Unveil Uganda’s First Cross-Network Digital Loan Checker

For years, Uganda’s digital lending sector has expanded at breathtaking speed, but without the underlying visibility required to support responsible growth. Borrowers have increasingly turned to mobile money as their main source
David Opio Obwangamoi (left) and Moses Akampurira (right) highlight the game-changing difference of gnuGrid CRB’s Mobile Credit Score. Unlike traditional credit scoring, gnuGrid’s engine draws from real-time mobile money behaviour, airtime usage, and spending patterns—unlocking access for borrowers with no formal financial history and making risk assessment both dynamic and inclusive.

Delivering Credit Without Collateral: How Letshego and gnuGrid Are Rewriting Credit Access and Financial Inclusion in Uganda

In this exclusive interview, Moses Akampurira, Digital Products Lead at Letshego Uganda, gives us a front-row seat into how this breakthrough is unfolding on the ground. Powered by real-time behavioural data such
July 4, 2025
David Opio Obwangamoi, Executive Director and Founder of gnuGrid CRB, during an in-depth interview on the future of digital lending in Africa. From SIM card data to behaviour-based credit scores, David unpacks how gnuGrid is turning mobile footprints into financial identities—and why scalable, real-time credit scoring is the key to unlocking true financial inclusion.

Turning SIM Cards into Credit Scores: How gnuGrid CRB Is Making the Invisible Bankable in Uganda

Looking back, 10 years ago, the whole concept of credit health was just beginning to take shape—banks were only starting to engage, and technology hadn’t really entered the scene yet. There were
July 4, 2025
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Mikhail Vydryn (left), CEO of Mogo Uganda, shakes hands with David Opio, Executive Director and Co-Founder of gnuGrid CRB, sealing a partnership that is redefining credit access for Uganda’s underserved through the power of mobile data and AI-driven scoring.

How gnuGrid CRB’s Mobile Credit Score Is Redrawing Uganda’s Financial Inclusion Map and Helping Lenders De-Risk the Last Mile

In Uganda’s bustling and often chaotic last-mile credit markets, where boda-boda riders, gig workers, and micro-entrepreneurs hustle daily without collateral or formal financial records, a quiet revolution is reshaping how lenders assess
June 11, 2025
Left-Right: David Opio Obwangamoi, the Executive Director, gnuGrid CRB; Sheila Birungi, the Head of the Legal Department at UMRA; Japhet Aritho, the Airtel Mobile Money Managing Director; and Giles Aijukwe Germany, the Letshego Uganda Chief Executive Officer.

Airtel Money and Letshego launch gnuGrid CRB-powered digital loans, LetsGo Pesa

To expand financial inclusion and extend much-needed credit to the financially underserved, Airtel Mobile Commerce Uganda Limited (Airtel Money) and Letshego Uganda have launched LetsGo Pesa digital loans. The unsecured microcredit facility
September 16, 2024

 

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