Sophie Njagi writes about the intersection of fintech, payments and financial inclusion, with a focus on how products can better reflect the realities of people’s everyday lives. Her work explores why traditional approaches in payments and lending often miss the mark for groups such as migrants, freelancers and informal workers, and what it takes to design tools that genuinely work for them.

Through her stories, readers gain insight into how team composition, product assumptions and data choices shape who is successfully served—or excluded—by financial products. Njagi’s perspective is valuable for anyone building or scaling fintech solutions, product and risk teams seeking broader adoption, and readers interested in how more inclusive thinking can unlock new markets while improving financial access.