Sitoyo is a passionate, energetic and easy-going leader, who has delivered major innovations that have revolutionized the global mobile money space and driven financial inclusion such as the world’s first contextual over draft facility dubbed- Fuliza, Mshwari a savings and loan proposition, M-PESA Global Payments, M-PESA super App and major partnerships with global players such Paypal, google, Visa and Ant Financial.