About Umba Umba is a pan-African digital bank serving customers in both Kenya and Nigeria. Our mission entails providing accessible and cost-effective financial services across Africa, enabling our customers to take charge of their financial well-being.
1. BACKGROUND BRAC Kenya Company Limited (“BKCL”), a Digital Credit Provider licensed by the Central Bank of Kenya, commenced credit operations in April 2026 and is expanding its branch network across the country. As part of