Recently, I had the opportunity to sit down with , the Group Chief Commercial Officer at , for a one-on-one conversation as part of the . We spoke during his visit to Nairobi, coinciding with a major moment for the business: the official launch of , a next-generation eKYC solution developed for today’s fast-moving digital financial services landscape.

What made this launch even more significant is that where the platform is being rolled out. This is not just a technical deployment — it’s a bold strategic decision that speaks volumes about Kenya’s maturity in digital lending, mobile money, and fintech adoption. The Kenyan market has long been recognised as a bellwether for financial innovation in Africa, and Creditinfo’s decision to debut its new solution here reflects the country’s importance in the global digital finance ecosystem.

Our conversation began with John’s own personal journey, which, like many careers in financial technology, wasn’t exactly linear. Trained originally as a chemist, he entered the world of credit data almost by chance — and has since spent over two decades working across markets, industries, and continents to help shape some of the world’s most critical fraud and identity solutions.

His global perspective, particularly from previous roles at TransUnion and Equifax, gives him a rare depth of insight into how credit ecosystems work across different regulatory and technological environments. Now at Creditinfo, John is responsible for driving commercial growth and ensuring their solutions respond to the unique challenges of emerging and frontier markets.

Much of our conversation focused on the growing centrality of in the delivery of financial services. John spoke candidly about the risks that come with scale, speed, and digital convenience. As digital lending expands rapidly in Kenya and other markets across Sub-Saharan Africa, fraudsters have become more sophisticated, exploiting gaps in onboarding, verification, and KYC processes.

It’s within this context that was developed. The platform integrates multiple components — including identity proofing, real-time risk signals, and watchlist screening — into a single, modular API solution. It’s designed not just to catch fraud after the fact, but to , enabling financial institutions to make better decisions at the very first touchpoint with a potential customer.

What sets the platform apart, according to John, is its ability to be customised and adapted to different market needs. From large commercial banks to nimble fintech startups, the solution is built to offer flexibility while ensuring high standards of security and compliance. In markets like Kenya, where onboarding must be both digital-first and mobile-friendly, this agility becomes a key differentiator.

We also explored why was chosen as the first market for the global rollout of Creditinfo’s eKYC offering. For John, the answer was clear. Kenya has a unique combination of factors that make it an ideal launchpad: a highly digitised financial services sector, deep mobile money penetration, strong regulatory oversight, and a vibrant fintech ecosystem that is constantly iterating and evolving.

Moreover, the here are complex and increasingly cross-border, especially with the rapid growth of digital lending. Creditinfo saw a clear opportunity to deploy a platform that not only addresses local risk realities but can also be scaled and refined for global use.

A major theme of the episode was the shift from reactive to proactive fraud and credit risk management. John explained how data insights from Creditinfo’s vast global bureau network allow for smarter pattern recognition and anomaly detection — things like unusually fast repeat loan applications, mismatches in KYC data, or one-time mobile numbers linked to multiple accounts.

With the new platform, financial institutions can access these insights in real time, giving them a far more sophisticated way to assess potential customers before disbursing loans or opening accounts. This is a significant step forward, particularly in markets where , after losses have already been incurred.

Looking ahead, John touched on Creditinfo’s broader ambitions, which include embedding real-time credit scoring and eKYC functionality directly into digital banking platforms and apps. This would enable financial institutions to integrate onboarding, verification, and decision-making into a seamless user experience — something that’s especially important for mobile-first users who expect simplicity and speed.

Creditinfo also sees a future where come together in a more holistic and inclusive model for credit scoring. This has major implications for financial inclusion, particularly in African markets where millions remain outside the formal credit system.

What stood out most in my conversation with John Cannon was the sense of that underpins Creditinfo’s approach. This is not about chasing hype or rushing products to market. It’s about listening to local market needs, building smart, adaptable platforms, and using data to enable safer, fairer, and more inclusive financial systems.

As Kenya becomes the first market to experience this new eKYC platform, the rest of the world will be watching closely. And if the promise of this technology plays out as planned, we could be witnessing a new chapter in how identity, risk, and trust are managed across the digital financial ecosystem — not just in Kenya, but across emerging markets everywhere.

If you want to learn more about Creditinfo’s new eKYC solution? Visit ⁠https://shorturl.at/TcVkJ