Dr Juliet Ongwae was in May 2024 appointed to the Board of Directors of the Fintech Association of Kenya (FINTAK). She has over 20 years of experience in the digital financial services (DFS) sector. I decided to pursue a PhD in development at the University of Manchester, focusing on the human-centred design of digital financial services innovations. This degree has opened doors for me and allowed me to understand digital financial services and financial inclusion, especially from the end user's perspective, which has been crucial in my subsequent roles. After my PhD, I worked at Musoni Microfinance, where I applied my knowledge in digital financial services.
