Pious Musabaila
@piousmusabaila
Fintech consultant and digital banking leader with decade-long experience transforming banking operations.
ZambiaWhat I'm looking for
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
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.
Lead Project Consultant
Ministry of Higher Education
Aug 2018 - Present (7 years 1 month)
Led delivery of a $2M national digital student loan origination system including portals and mobile apps, machine-learning scoring, multi-rail payments and integrations with tax, pension and credit reference systems.
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.
ITGC Security Consultant
PKF Zambia
Aug 2018 - Aug 2023 (5 years)
Performed IT general control audits, penetration and vulnerability tests, and cybersecurity assessments for medium and large clients; documented findings and recommended risk-reduction measures.
Project Head, Digital Bank
Zanaco Bank Plc
Aug 2010 - Aug 2017 (7 years)
Designed and implemented Xapit digital bank for low-income and unbanked segments, launching web/mobile services, instant Visa issuance and acquiring over 1 million active customers within two years.
Head ICT
Zanaco Bank Plc
Aug 2001 - Aug 2007 (6 years)
Led ICT transformation including EMV rollout across ATMs and POS, issuance of 500,000+ debit cards, oversight of core banking systems and processing of over 10 million monthly card transactions.
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
UZUniversity of Zambia
Bachelor of Engineering, Electronics and Telecommunications
Bachelor of Engineering in Electronics and Telecommunications from the University of Zambia.
WSW3Schools
Certificate of Completion, Java Programming
2022 - 2022
Completed W3Schools Java certification demonstrating fundamental Java programming knowledge.
Tech stack
Software and tools used professionally
Availability
Location
ZambiaAuthorized to work in
Salary expectations
Job categories
Skills
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