Koa Co-Founder Delila Kidanu on Leveraging User Behavior to Promote Savings Culture

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Delila Kidanu, Co-founder at Koa shares her experience in building a savings product in Kenya, her reasons to build a company in Kenya and how individuals could benefit from savings and investment products built on user behaviour. She also shares the need for financial education, especially on savings and investment.


  • Savings in Kenya is still largely informal, 8 out of 13 billion of household savings is still informal.
  • The savings culture is still growing in the country, with digitization at the lead.
  • Users would like to experience seamless digital experiences in their financial lives like their do in other areas of their social lives.



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