Fred has over 15 years work experience in Retail Banking. He has worked extensively in the areas of Microfinance, Business Development for Micro Small and Medium Enterprises (MSME) and Digital Financial Services. He has expertise in developing, testing and scaling mobile financial services for the bottom of the pyramid using the Human Centered Design (HCD).
Fred has worked with the Grameen Foundation to implement digital financial services in Uganda. As a consultant, Fred has done extensive research in the area of Agency Banking on the Mobile Money for the Poor Project MM4P funded by the UNCDF. Fred is a Certified Expert in Microfinance (Frankfurt School), lectures at the Uganda Institute of Banking and financial Services and is a fellow of the same Institution. He has written and published over 200 articles in the area of financial services.