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Chantal Umutoni Kagame: The Woman Who Turned Phones Into Bank Accounts for Millions

By Blossom Ukoha For millions of people, a mobile phone is simply a device for communication. In Rwanda, under the leadership of Chantal Umutoni Kagame, it has become something much more powerful: a gateway to financial opportunity. As Chief Executive Officer of Mobile Money Rwanda Limited (MTN MoMo Rwanda), Chantal sits at the centre of one of Rwanda’s most significant digital transformation stories. Her work has helped expand mobile financial services beyond simple money transfers, creating an ecosystem through which people can send and receive money, pay merchants, save, access micro-loans and participate more fully in the formal economy. But Chantal’s journey to the helm of Rwanda’s fintech revolution did not happen overnight. It was built over more than two decades of experience across the country’s telecommunications industry. A Career Built Across Rwanda’s Telecom Industry Chantal holds a Bachelor’s degree in Commerce, specialising in Finance, from the Kigali Institute of…