How Digiduka is digitizing Kenya’s cash economy


Up to 98% of transactions in Kenya’s informal sector are still done in cash, mostly because informal retailers and low-income consumers tend to use cash to avoid the high transaction fees associated with mobile money.

On a mission to digitize the cash economy, Roy Njoka and partner Lovell founded Digiduka, a platform that aggregates essential digital services such as subscriptions and bill payments. Formed and founded during an Antler program in Nairobi, Digiduka is building the largest digital payments network for Africa’s informal sector. 

Digiduka is a social commerce platform on a mission to help informal retailers in Africa become a part of the digital economy by providing them with digital and financial services. The platform enables informal retailers to accept digital payments at a little to no extra cost, gives them access to digital inventories, and allows them to put their inventory online to start online sales.

The rich and vast experience of the cofounders have helped them create and sustain their business solutions, and they intend to scale these solutions across Kenya and expand to other African countries with a similar opportunity over the next few years.