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Our Story

DCM’s journey began in the pursuit of addressing Ghana’s financially underserved and typically unbanked adult population through timely digital innovation.

The lack of access to emergency financial services and modern information and communication technologies (ICTs) means the rural and urban poor in Ghana transact predominantly in cash. This opens them up to exploitation by loan sharks who prey on their vulnerability through excessive interest rates and risky credit cycles.

At DCM, we have experienced that technology intervention is the only answer to these challenges.

We Offer Life-Changing Financial Services.

A fintech limited liability company (LTD), DCM offers digital services focusing on the latest innovations in information technology and AI to promote financial inclusion. Our products and innovative technologies enable governments, FIs and NGOs to offer life-changing financial services to the Ghanaians public by leveraging the power of ICT.

One of our recent innovations is the mobile-network-agnostic Digital Lending Platform (DLP) that enables financial institutions to offer collateral-free micro loans to their customer base at reduced (predictable) risk.

DCM was launched in 2017 and is headquartered in Accra, Ghana. Today, our products are empowering not only Ghana’s poor, but also its thriving small business community, small scale retailers and service providers.

Our Purpose

DCM views its product portfolio through the lens of social commitment. Our growing range of innovative technology-enabled solutions bridge the gap in Ghana’s financial inclusivity, overcoming the challenges in connecting end-users with financial institutions and public organisations. In doing so, we encourage responsible credit practices that elevate the standard of living of Ghana’s unbanked population and usher socioeconomic progress.

Leadership

Pierre Liautaud

President

Pierre is an international executive who is highly accomplished in transformative solutions. His extensive knowledge of telco and financial services stems from his illustrious career of 26 years. Pierre has successfully introduced transformative solutions to meet market demands, bringing several start-ups to operational profitability.

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Kenneth Ohene-Sam

Chief Executive Officer

As the Chief Executive Officer at Digital Credit Management Limited (DCM), Kenneth has led client service teams to implement new developmental strategies and developed marketing initiatives to retain key clients and establish DCM’s market presence in the digital financial services space in Ghana.

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Nicolas Saint Remy

Chief Commercial Officer

Nicolas has valuable experience in financial analysis for product launches as well as project management. He leverages his experience in and identifying key potential partnerships to successfully promote and deploy DCM’s products.

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Institutions currently leveraging our platforms

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Evo

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      Pierre Liautaud

      President

      Pierre is an experienced international executive who also brings an intimate knowledge of several industries, especially the telco and financial services market. His 26 years of experience span across Banking, Shipping, Infrastructure, Telco and Financial Services.

      He joined the workforce in 1994, as the Director of Marketing for Banque de L’ Union Haitienne – Haiti’s first private bank. There he gained experience with technological platforms by being part of the team that launched the most successful credit card in the market.

      In 1999, Pierre moved back to the United States, where he established and ran a retail distribution network and service in the Telco and Money transfer business. This journey culminated with his joining Trilogy International Partners, where he served as a VP of Product Development; he launched the first mobile money service in the Americas; as VP of Operations and finally CEO of Trilogy’s Haiti operation ComCel, a $120M per year business. Pierre has built a career by introducing transformative solutions to meet market demands and specialising in bringing startup operations from the idea stage to operational profitability, which he used to launch DCM raising over $2M in capital.

      Kenneth Ohene-Sam

      Chief Executive Officer

      Kenneth Ohene-Sam is a versatile and highly effective finance professional with a track record of delivering exceptional results.

      As the Chief Executive Officer at Digital Credit Management Limited (DCM), he has led client service teams to implement new developmental strategies and developed marketing initiatives to retain key clients and establish DCM’s market presence in the digital financial services space in Ghana.

      Kenneth holds a post-graduate degree; B.Com. (Honours) specialising in Financial Analysis and Portfolio Management, as well as an undergraduate degree; B.Com. in Economics and Finance, both from the University of Cape Town (UCT), South Africa. He has gained significant experience in business strategy, financial analysis, corporate finance and structured finance transactions as an investment banking analyst and business development specialist, prior to joining DCM.

      Prior to moving to Ghana, he worked in a private equity real estate development firm in Cape Town, South Africa, where his primary role as part of a diverse team was to identify and structure commercial real estate transactions, perform market research, as well as provide investment analysis and development management strategy insights.

      Nicolas Saint Remy

      Chief Commercial Officer

      Nicolas holds a bachelor’s degree in finance from Hofstra University, New York.

      Prior to joining DCM, Nicolas was a Financial Analyst at Nature’s Bounty, New York, an American manufacturer of Vitamins and Nutritional supplements, where he gained valuable experience in financial analysis for new product launches as well as key project management skills.

      Nicolas began his journey with DCM as a Country Director in Kigali, Rwanda, for the launch of their Digital Lending Platform in which he was tasked to oversee the project and identify key potential partnerships to successfully launch the platform. He leverages his experience in and identifying key potential partnerships to successfully promote and deploy DCM’s products.