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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

Kingsley Addai Frimpong Jnr.

Managing Director | Fintech Leader

Kingsley Addai Frimpong Jnr. is an experienced and results-driven leader in the Fintech industry with over a decade of expertise in mobile financial services, sales, and business strategy. He is currently the Managing Director of Digital Credit Management Ltd., where he oversees business operations, licensing, technical integrations, and strategic partnerships

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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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Harold Ebenezer Brew 

Head of Technical Operations

Harold is a Mobile Financial Service Solutions, Technical Support and Systems Integration expert with 10 years’  experience in the Fintech industry. He is currently the head of technical Operations at Digital Credit Management, a cutting-edge fintech company based in Accra, Ghana, specializing in mobile credit management systems for banks and Micro Finance Institutions(MFIs)

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Charles Tagoe

Compliance and Regulatory Affairs

Charles Tagoe brings a wealth of experience in Client Relations, Finance and Loan Management, Compliance and Regulatory Affairs. He is a seasoned professional with varied skill sets from the roles he has held in his career.

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Institutions currently leveraging our platforms

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      Kingsley Addai Frimpong Jnr.

      Managing Director | Digital Credit Management Ltd. | Fintech Leader

      Kingsley Addai Frimpong Jnr. is an experienced and results-driven leader in the Fintech industry with over a decade of expertise in mobile financial services, sales, and business strategy. He is currently the Managing Director of Digital Credit Management Ltd., where he oversees business operations, licensing, technical integrations, and strategic partnerships. Prior to this, he served as Managing Director of AirtelTigo Money in Ghana, leading the company’s mobile financial services division, launching innovative services, and driving significant growth in profitability.

      Kingsley has a proven track record in managing mobile money operations, optimizing revenue, and spearheading large-scale financial technology projects. His expertise spans mobile financial services, commercial partnerships, customer experience, and team leadership. Notable achievements include the successful separation of AirtelTigo Money from its parent company Airteltigo Ghana.

      He is passionate about driving innovation within the Fintech sector and continues to contribute to the industry’s growth with a vision for expanding financial inclusion.

      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.

      Harold Ebenezer Brew

      Head of Technical Operations

      Harold is a Mobile Financial Service Solutions, Technical Support and Systems Integration expert with 10 years’ experience in the Fintech industry. He is currently the head of technical Operations at Digital Credit Management, a cutting-edge fintech company based in Accra, Ghana, specializing in mobile credit management systems for banks and Micro Finance Institutions(MFIs). Harold held a similar position as the head of Engineering for Spektra Ghana limited.

      Prior to joining Spektra Ghana, Harold was the Chief Technical Officer at Transient Payments Ghana Limited and responsible for industry standard compliance such as ISMS, ISO 27001. He also managed Channel Integrations and Technical Support related issues while leading the technical strategy of the business.

      Harold also served as Solutions Architect and Support Engineer at Millicom Ghana Limited and Ericson Ghana Limited.

      Harold is ISO 27001 Certified and obtained his bachelor’s degree in Telecommunications

      Engineering from Ghana Telecom University College, now Ghana Communication Technology University.

      Charles Tagoe

      Compliance and Regulatory Affairs

      Charles Tagoe brings a wealth of experience in Client Relations, Finance and Loan Management, Compliance and Regulatory Affairs. He is a seasoned professional with varied skill sets from the roles he has held in his career.

      His expertise comprises a unique blend of technical and interpersonal competencies such as data analysis, loan underwriting and excellent customer service.

      With his broad knowledge and Detail-oriented approach, he has made great strides in the credit landscape as clearly illustrated in his previous capacity as Finance Manager at TLG Fleet Partners where he successfully managed an entire Vehicle Asset Finance loan portfolio keeping bad debt ratios to under 6%.

      Charles holds a Bachelor of Arts in Economics and Computer Science from the University of Ghana and presently in charge of Compliance and Regulatory Affairs at Digital Credit Management Ltd; ensuring adherence to all relevant industry regulations.