1. Operational Risk i) Fraud risk management ii) AML and suspicious transaction monitoring iii) IT risk and information security 2. Credit Risk i) Building and/or calibrating credit score cards for Retail and SME sectors ii) Customer segmentation and clustering. Maximize high potential client base for lending offers iii) Training school for credit risk (2 week Credit, Statistical and Data Science course) iv) Loan origination solution for SME and retail with particular emphasis on instant scoring/appraisal and lending 3. Digitisation i) Mobile apps e.g. lending – end to end solution Integrated to CRB and Safaricom APIs USSD and Mobile app interface ii) Digital customer onboarding using biometric facial recognition, integrated to IPRS and TSC T-Pay iii) Merchant and Agency Banking using Android POS iv) Business Process Re-engineering - Robotics