A digital payment expert with Masters in Information Technology Management (MBA-ITM) from Coventry University and Advanced diploma in Information Technology from Institute of Finance Management-IFM.I have experience of more than 15 years in digital payment/mobile money financial services in Tanzania in Telecom and Banking Industry, and Government.The experience embraces area of digital products and services from the perspective of technical, business operations, product & business support, and commercial.In tenure of working experience has worked in private industry (Zanzibar Telecom Co LtdZantel as MFS Commercial Manager and MIC Tanzania- Tigo as Electronic Pin Technical Support), Government institution (Mobile Money Expert at Tanzania Social Action FundTASAF) which involved consultation, development, innovation, support, training and researches to mention; and CRDB Bank as Senior Specialist Acquiring Product overseeing Acquiring Product (POS, QR/Lipa Namba, ECOMMMERCE and ATMs).Great achievement has been in implementation of Mobile Money Interoperability project in Tanzania, Deployment of Digital payments and Processes at TASAF, Management of Acquiring Product at CRDB, and Integration of key merchants services and development of electronic voucher service at ZANTELCurrently experiencing the BACKBONE of Digital Payment... Banking Industry, at CRDB Bank.