1. Uganda’s Emerging Fintech Talent Landscape

Uganda’s startup scene is vibrant, with rising ground-breaking fintech innovators redefining inclusive financial services. These entrepreneurs are creating technologies that address unique local needs with global potential.

2. Innovators You Should Know

Ham Serunjogi — Co-Founder & CEO, Chipper Cash

Ham Serunjogi co-founded Chipper Cash, now a fintech unicorn that enables free, instant peer-to-peer and merchant payments across Africa and Europe. A Forbes Africa 30 Under 30 alum, Serunjogi’s leadership has helped position the startup as a transformative force in cross-border fintech. Kikubo LaneWikipedia

Founders Driving Dynamic Fintech Startups

Here are some of Uganda’s fastest-growing fintech startups and their visionary founders:

• Numida (Ben Best, Catherine Denis, Mina Shahid): Provides unsecured working capital to small businesses via mobile. Fintech Energy
• Ensibuuko (Gerald Otim, Opio David): Offers cloud-based microfinance and savings group software. Fintech Energy
• Beyonic (Luke Kyohere): Delivers digital payment services for businesses. Fintech Energy
• ClinicPesa (Anyango Sharon, Onyancha Chrispinus): Enables healthcare financing through fintech. Fintech Energy
• Swipe2Pay (Solomon Kitumba): Helps SMEs accept card and mobile payments. Fintech Energy
• Zofi Cash (Nelson & Rachael Kituuka): Facilitates instant salary advances. Fintech Energy

These fintech leaders are pioneering everything from SME access to credit to workplace financial wellness.

Notable Emerging Fintechs to Watch in 2025

• Errandpay: Mobile-first payment solutions tailored to local entrepreneurs.
• Borderpal: Simplifies cross-border payments and FX for SMEs.
• PesaPlus: Provides mobile-delivered loans, savings, and investments using AI-driven credit scoring.
• MoneySync: Real-time peer-to-peer payment app with multi-platform support.
• InsurePay: Delivers mobile-first insurance products, democratizing protection. Global Economics Watch

3. Agri-Fintech and Beyond: Inclusive Innovation

EzyAgric

A standout agri-fintech, EzyAgric bridges farmers with financial services, market access, and crop data—all via app or USSD. It’s reached around 300,000 farmers. Kikubo Lane

Startups with Broader Reach in 2024

• Chipper Cash, Tugende, ChapChap, SafeBoda, Xente, EzyAgric, ClinicPesa, Emata, Zofi Cash, Ugabus, BrainShare (edtech), and Patapia (procurement platform) all made significant strides last year. Kikubo Lane

These innovators demonstrate Uganda’s fintech ecosystem evolving with breadth—from agriculture and transport to healthcare and education.

4. Building Impact Through Tech and Finance

These entrepreneurs share key traits:

• Local relevance – Addressing school fee management (Kawu), boda boda asset ownership (Tugende), or digital salaries (Zofi Cash).
• Technology-first solutions – Utilizing mobile wallets, AI-driven scoring, and USSD for broader access.
• Financial inclusion – Reaching underserved segments—students, rural farmers, low-income families—using scalable, low-cost tech.

Platforms like Lupiiya further support this ecosystem by offering crowdfunding tools tailored to local entrepreneurs. Lupiiya

5. Startup Voices: Real-World Motivation

From Reddit:

“I’m a 23 Year Old business owner … building gaming & workstation computers … my first year I made about $5K revenue … now … $17K … orders from individuals and corporates.” Reddit

“FLiiTS is building Uganda’s first tech company to go public … join us and help shape the future of tech in Uganda.” Reddit

These testimonials reflect the entrepreneurial spirit animating Uganda’s tech scene—with ambition that spans from local to global.

6. Summary

Entrepreneur / Startup	Innovation Area	Impact
Ham Serunjogi (Chipper Cash)	Cross-border fintech	Affordable, instant remittances
Numida, Ensibuuko, ClinicPesa, Zofi Cash, etc.	SME finance, healthcare, salary advances	Financial inclusion for diverse users
Errandpay, Borderpal, PesaPlus	Fintech innovation	Inclusive mobile services
EzyAgric, Tugende	Agri-fintech and asset ownership	Supports productivity and ownership
Reddit founders (individuals)	Small-scale entrepreneurship	Personal agency and growth