Zambian mobile wallet with Save to Win
The company
The challenge
My role
What I built
Designed and delivered the core ledger and a transaction monitoring foundation from scratch, with the auditability and operational controls required in a regulated fintech environment.
Shipped secure onboarding with tiered KYC, tailored to real world conditions: fraud risk, low bandwidth, device variability, and regulatory requirements.
Integrated a mobile money aggregator for deposits and withdrawals. Built settlement and reconciliation workflows, and operational and risk dashboards.
Built a fully auditable raffle, ticketing, and payout engine. Draw logic, audit logs, and winner communications, all designed for transparency and operational readiness.
Improved activation and first value conversion through funnel and KPI tracking and ongoing UX iteration, working closely with support, compliance, and marketing on retention loops and customer communication.
Tech and tools
Lessons
Prize linked savings is a strong activation lever, but it only works if the underlying infrastructure (ledger, reconciliation, KYC) is solid. You can’t build trust on unreliable systems.
Owning product, engineering, marketing, and operations at the same time forces you to make hard tradeoffs. The skill is knowing which corner not to cut.