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Pious Musabaila

@piousmusabaila

Fintech consultant and digital banking leader with decade-long experience transforming banking operations.

Zambia
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What I'm looking for

I am seeking senior product or consultancy roles in fintech or digital banking where I can lead secure, inclusive payment and lending solutions, mentor teams, and drive measurable impact.

I am a fintech consultant and product leader with over a decade of experience developing digital banking solutions for low-income and unbanked segments. I founded and lead Cryptive Invest, building standards-compliant digital products that address financial inclusion.

My career includes leading the design and launch of Xapit, described as Zambia's most successful digital banking platform, and directing large government and bank digitisation programmes. I focus on pragmatic product development, lean methodology, and security-first implementations.

I have led multi-million-dollar projects including a $2M national student loan origination system and payment digitisation initiatives for markets and transport operators, delivering mobile apps, APIs, and integrations with payment rails and national authorities.

I blend technical expertise in application and network security, payments, and digital product development with strategy, team leadership, and business development to drive revenue generation and sustainable transformation.

Experience

Work history, roles, and key accomplishments

NA
Current

Lead Project Consultant

NAPSA

Aug 2019 - Present (6 years 1 month)

Led redesign and digitalisation of informal sector pensions and national markets payment ecosystems, delivering mobile wallets, portals, ticketing and integration with sponsor bank and ESB for collections.

CI
Current

Lead Project Consultant

Cryptive Invest

Aug 2018 - Present (7 years 1 month)

Founded and advised a fintech startup delivering secure, standards-compliant digital solutions for low-income segments; led product strategy, development and go-to-market for financial inclusion initiatives.

ZD

Telecoms Engineer

ZCCM Luanshya Division

Nov 1995 - Aug 1998 (2 years 9 months)

Designed and implemented voice and data networks for mine operations using Alcatel infrastructure, supporting surface and underground communications and maintaining telephony and LAN/WAN systems.

Education

Degrees, certifications, and relevant coursework

University of Zambia logoUZ

University of Zambia

Bachelor of Engineering, Electronics and Telecommunications

Bachelor of Engineering in Electronics and Telecommunications from the University of Zambia.

W3Schools logoWS

W3Schools

Certificate of Completion, Java Programming

2022 - 2022

Completed W3Schools Java certification demonstrating fundamental Java programming knowledge.

Tech stack

Software and tools used professionally

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Pious Musabaila - Lead Project Consultant - NAPSA | Himalayas