Regulatory & Government Support

We work with various agencies, parastatals and regulatory bodies in the government.. More ►

Institutional Support

We work with different financial institutions and related stakeholders across the continent.. More ►

Capacity Development & Training

We impart a wide array of technical skills on the region’s financial sector stakeholders.. More ►
About us

We’re a thought leader in financial inclusion in Africa.

Meraki Africa has led in executing various technical and capacity building roles in leading organisations across Africa.

Over the last 15 years, we have guided lenders, mobile money operators, governments and regulators in developing financial inclusion solutions that have included digital finance, sustainability finance and consumer protection.

Our footprint across the continent

Uganda, Tanzania, Kenya
Malawi, Rwanda
Nigeria, Ghana, Ethiopia
Democratic Republic of Congo (DRC)
Zambia, Lesotho, South Africa
Call to ask any question +254 754 571 545

Brian Meme

(Chairman and founder)

+15 Years of Experience

Our Services

We’re ready to share our advice and experience.

Financial Product

National Level




Training and
Capacity Building

We develop the relationships that underpin the next phase in your organisation’s growth. We do this by discerning the people and the platforms where interests converge.

Our Skill Why Us? Our Philosophy

Delivering with excellence has been our great promise resulting in great relationships we have forged with corporations, governments and NGOs

Creative Thinking
Project Management
  • Years of Experience
    Drawing over 15 years’ experience and lessons from supporting and engaging with the financial inclusion agenda in Africa

  • Areas of Experience
    We provide bespoke consultancy services in banking and financial services

To offer sustainable solutions that positively impact livelihoods

Meraki Africa provides advisory services to institutions working in the financial sector for and with the mass client segment. We are inspired by creativity, simplicity and convenience of solution delivery to the end market

1 %
Timely Delivery
1 x
Community Impact
5 %
Successful Projects
1 +
Countries Reach
Return On Investments

Facilitating +ve Trasformative Impact.

We enable institutions adopt a client-centric approach to serve their target clients through training design and delivery, market research, technical and advisory approaches

Project Highlights

Highlights of our work across the continent.

Contact us

Get in touch with us for quick support.

Our address:

ICEA Building, Kenyatta Avenue
P.O Box 1093 - 00515, Nairobi, Kenya

Call us on:

(254) 754 571 545

Mail us for information:

Our Advantage

A financial consulting firm with a deep rooted focus on Africa.

Our practical and present-day understanding of the microfinance sector in Africa, with our consultants having previously worked at managerial and operational levels in leading microfinance, banking and development financial institutions

Our work flow

We adapt our delivery to the way you work and strategize onwards..


To review means to look back over something.

It’s always a joy to hear that the work we do has positively impacted our clients and that they are happy to share their great experience


We draw on our global network to assemble a team of experts.

After 15 years of success in inspiring teams to deliver top results, we can unequivocally say the answer to business success is in how you lead your people.


Joyce Murithi

Managing Consultant

George Muruka

Advisor, Research & Livelihoods

Sue Okao

Technical Lead Uganda

Joseph Gonzague Ngendahimana

Technical Lead Rwanda

We are always scouting for great minds with passion to driving the financial inclusion agenda in Africa..

Partner with us! (254) 754 571 545
Recent News

Emerging issues in Africa’s financial sector.

With a strong interest in agribusiness products, capacity building, national policies and strategy on how its impacting on livelihoods.. More News


About the coronavirus: the winners, losers, and lessons learned

The impact has scaled to companies including tourism, entertainment, and service, which now report negative short and long term impacts on their revenue growth.

Offering Sustainable Solutions that Positively Impact Livelihoods..

We provide advisory services to institutions working in the financial sector for and with the mass client segment.

Joyce Murithi

Managing Consultant

Joyce holds insightful understanding of the financial sector in Africa with over 18 years’ experience. Her involvement has been at the macro, meso and micro levels of the financial sector and has contributed to the advancement of inclusive finance through development of regulatory guidelines (in Ghana), financial product design (in Rwanda), deposit mobilization strategies (Uganda) and digital finance strategies (Nigeria). Joyce has further conducted numerous market researches and sectoral assessments for various institutions including governments, financial institutions, mobile money operators and NGOs. These assessments have been in Kenya, Tanzania, Malawi, Pakistan, the DRC and Lesotho and have helped inform national financial inclusion strategies as well as promoted strategic alignments for mass market financial institutions.

Joyce is an expert in capacity building and is currently part of the faculty of Digital Transformation at the School of Applied Microfinance (SAM), whose goal is to share knowledge and skills for creating capabilities in microfinance and frontier finance markets. Until recently, she was part of the expert faculty at the Helix Institute in Digital Finance providing world-class training and cutting-edge data for digital financial service providers.  Joyce has participated in a variety of speaking engagements and has been panelist in various regional forums including the Africa Microfinance Week held in Luxembourg and Ethiopia.

Prior to consulting, Joyce worked at a leading microfinance bank in Kenya, empowering women socially and economically through entrepreneurship. She holds a Bachelor’s degree with a double concentration in Marketing and Business Administration from Daystar University, and MBA in Entrepreneurship from the Kenya Methodist University. She also holds a number of certifications from MicroSave.

Joyce is proficient in English and Swahili and lives in Kenya.

George Muruka

Advisor, Research & Livelihoods

Mr. Muruka provides Advisory Services in Market Research and Livelihoods Projects Design and Impact Evaluations. He has 20 years of experience in supporting livelihoods development initiatives by Banks, MFIs, SACCOs and NGOs in East and West Africa. He has led research teams in undertaking field-based studies and in-depth analysis of factors informing customer needs and preferences in more than 12 countries in Africa. He has also been involved in livelihoods projects design, project assessments and impact evaluations. This has led to innovative tailored financial products and services and new strategic directions that has positively impacted people’s livelihoods in these regions.

In the past three years he has consulted for SEEP Network, USA, Hand in Hand International Eastern Africa, Financial Sector Deepening Africa, CARE International UK, among others. His countries of experience include Kenya, Uganda, Tanzania, Ethiopia, Ghana, Nigeria, Sierra Leone and Benin and Zambia.

Mr. Muruka holds a Master of Research (MRes) in International Development, University of Bath, UK; a Bachelor of Arts in Social Work and Community Development, University of Nairobi and a Post Graduate Diploma in Project Management at Tietgen Business School, Odense City, Denmark. He was involved in the development of Poverty and Market Assessment Tools by USAID, IRIS and the University of Maryland in Washington DC. USA. He has authored and co-authored various knowledge products including blogs, reports and contributed to books in the development sectors.

He is proficient in English and Swahili, lives in Nairobi, Kenya.


Sue Okao

Technical Lead Uganda

Suzanne Akulu Okao is a Financial Inclusion Practitioner with over 13 years’ experience both as practitioner in retail banking and as a consultant.   Suzanne’s expertise is in microfinance, deposit mobilization, partnership development, project management, market research, product development, agent network development and digital financial services. Her expertise also includes the development of inclusive financial solutions for persons with disabilities.

Suzanne has worked in Nigeria, Rwanda, Uganda, Tanzania and Zambia providing technical support to partners in developing M&E frameworks and tools for managing and evaluating projects.

Suzanne holds an MBA in Project Planning and Management and a Post Graduate degree in Monitoring and Evaluation both from the Uganda Management Institute. She is also a holder of a bachelor of Arts in Social Sciences degree from Makerere University Kampala and is a Certified Trainer in Financial Literacy by Bank of Uganda.

Suzanne is proficient in English, Swahili and Luganda and lives in Kampala, Uganda

Joseph Gonzague

Technical Lead Rwanda

Joseph is an experienced Financial Services Professional with over ten years’ proficiency in cooperative organizations and saving & lending groups’ management and financial product and services design. He is also proficient in capacity building specializing in financial management, business development, credit analysis, financial education, and risk management.

He recently participated in the USAID/Rwanda Huguka Dukore Akazi Kanoze by supporting financial service providers in designing and developing financial products tailored to needs of the youth. Joseph also supported the USAID/Rwanda Private Sector Driven Agricultural Growth (PSDAG) project by conducting due diligence on MFIs interested in expanding their rural and agricultural portfolios in cooperatives and individual farmers. He has further built the capacity of 60 cooperatives in the project on financial management, cooperative management and farming as a business.

Joseph holds a Master of Arts in Microfinance from the INES- Ruhengeri (Institute of Applied Sciences) and a Bachelor of Science in Economics from the National University of Rwanda. He also holds certifications from CGAP, MicroSave and Rwanda Institute of Cooperatives, Entrepreneurship and Microfinance (RICEM).

Fluent in French, English and Kinyarwanda. Joseph lives in Kigali, Rwanda.