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eShandi is an AI powered financial infrastructure platform providing access to digital financial services in emerging markets in Africa.

Africa
Joined May 2019
Photo by eShandi (@my_eshandi)Photo by eShandi (@my_eshandi)Photo by eShandi (@my_eshandi)Photo by eShandi (@my_eshandi)Photo by eShandi (@my_eshandi)Photo by eShandi (@my_eshandi)Photo by eShandi (@my_eshandi)Photo by eShandi (@my_eshandi)Photo by eShandi (@my_eshandi)Photo by eShandi (@my_eshandi)
๐Ÿ’ฌ Chilufya Mutale-Mwila, Co-Founder and CEO of @my_eshandi describes what happens at the point of assessment for the majority of MSME borrowers across East and Southern Africa. ๐ŸŽฅ Watch the full webinar โžก๏ธ bit.ly/4c98rnv
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Happy Heroes Day, Zambia. ๐Ÿ‡ฟ๐Ÿ‡ฒ Today we honour the courage and sacrifice of our national heroes whose legacy continues to inspire us to build a more inclusive and prosperous future. One Zambia. One Future. #HeroesDay #Zambia #eShandi
๐Ÿค– Made with AI
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Innovator Spotlight: Chilufya Mutale, @my_eshandi Chilufya is closing Zambiaโ€™s credit gap! eShandi uses AI to provide fast, ethical loans to underserved entrepreneurs, turning "no" into "go" for small businesses. #AIA #eShandi #Fintech #Zambia #FinancialInclusion
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Today, we honor mothers across Africa and around the world for the countless ways they nurture dreams, create opportunities, and shape brighter futures. From all of us at eShandi : Happy Motherโ€™s Day! ๐Ÿ’™ #MothersDay #eShandi #WomenInBusiness #FinancialFreedom #BeyondAccess
๐Ÿค– Made with AI
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Today we honour Zambiaโ€™s founding President, Kenneth Kaunda ๐Ÿ‡ฟ๐Ÿ‡ฒ A legacy of unity, leadership, and service that continues to inspire. #KennethKaundaDay #Zambia #eshandi
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Weโ€™re proud to be Top 6 at the @VivaTech AfricaTech Awards 2026๐ŸŒ๐Ÿ”ฅ From #Zambia to the global stage - we keep building. #VivaTech #AfricaTech #Fintech
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Weโ€™re hiring at eShandi Open roles: โ€ข Networks Engineer โ€ข Frontend Developer โ€ข Backend Developer If youโ€™re building the future of fintech, we want to hear from you. ๐Ÿ“ฉ Apply: [email protected] #Hiring #TechJobs #Fintech #AfricaTech
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He is risen. May this Easter bring you renewed hope, peace, and strength. Happy Easter from all of us at eShandi. โœจ
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Easter Notice ๐ŸŒฟ eShandi will observe a short break from 3โ€“6 April 2026. Customer Support will be available from 08:00โ€“12:00 during this period. Wishing you a peaceful Easter.
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โœŠ๐Ÿฝ Some interventions stay with you because they put numbers, risk and lived experience in the same frame. ๐ŸŽ™๏ธ At Africa CEO Forum 2025, Chilufya Mutale-Mwila, Co-Founder of @my_eshandi, shared a story that captured what is at stake when women entrepreneurs are locked out of finance. ๐Ÿ’ฌ From taking a bus alone to South Africa at 19 with $100 from her father, to becoming a CEO at 30, to selling her house, car and savings to build a business with her husband, her journey speaks to something bigger than individual success. It shows what ambition looks like when it has to fight for capital at every stage. ๐Ÿ“Š Her remarks also pointed to a hard reality. More than 40 million SMEs across Sub-Saharan Africa face a $330 billion financing gap. These businesses account for over 90% of companies and 60% of jobs, yet 80% receive no bank financing. ๐Ÿš€ That is why the panel โ€œAfricaโ€™s growth engine: Women, capital and jobsโ€ mattered. Africa will not unlock its full growth potential without financing models that match the realities of women-led businesses, from early-stage backing to flexible growth capital. ๐Ÿค Chilufya Mutale-Mwilaโ€™s intervention was also a reminder that backing women entrepreneurs is not charity and it is not optics. It is a serious economic question tied to jobs, productivity and the future of African enterprise. ๐Ÿ”Ž What would it take for more investors and financial institutions to back women-led businesses on vision, potential and execution, not only track record? ๐Ÿ”— Full video available on Youtube: youtube.com/watch?v=zXQu3GsGโ€ฆ
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๐—ญ๐—ฎ๐—บ๐—ฏ๐—ถ๐—ฎโ€™๐˜€ ๐—ฒ๐—ฆ๐—ต๐—ฎ๐—ป๐—ฑ๐—ถ ๐—ฆ๐—ต๐—ถ๐—ป๐—ฒ๐˜€ ๐—”๐—บ๐—ผ๐—ป๐—ด ๐—”๐—ณ๐—ฟ๐—ถ๐—ฐ๐—ฎโ€™๐˜€ ๐—ง๐—ผ๐—ฝ ๐Ÿฏ๐Ÿฌ ๐—ฆ๐˜๐—ฎ๐—ฟ๐˜๐˜‚๐—ฝ๐˜€ ๐—ฎ๐˜ ๐—ฉ๐—ถ๐˜ƒ๐—ฎ๐—ง๐—ฒ๐—ฐ๐—ต Zambia is proudly represented on the continental stage as @my_eshandi earns a spot among the Top 30 startups shortlisted for the prestigious @VivaTech AfricaTech Award. The recognition places eShandi alongside some of Africaโ€™s most innovative companies driving solutions in fintech, health, agriculture, and climate technology. As one of the few Southern African startups on the list and Zambiaโ€™s sole representative, eShandiโ€™s inclusion signals the countryโ€™s growing footprint in the digital innovation space. Operating in the fintech sector, eShandi is focused on expanding access to financial services through digital lending and alternative credit scoring. By leveraging technology to assess creditworthiness beyond traditional systems, the platform is helping underserved individuals and small businesses access much-needed financing. The VivaTech AfricaTech Award celebrates startups transforming local challenges into scalable, high-impact solutions. Six finalists are expected to be announced ahead of the grand finale in June. Full List of 30 AfricaTech Nominees: PressPayNg โ€“ Nigeria SURGiA โ€“ Egypt Ndovu Wealth โ€“ Kenya Winich Farms โ€“ Nigeria Anda โ€“ Angola Eight Medical โ€“ Nigeria AgriEdge โ€“ Morocco Leya Labs โ€“ Ivory Coast Cure Bionics โ€“ Tunisia Trashcoin โ€“ Nigeria 10mg Health โ€“ Nigeria Billboxx โ€“ Nigeria Breedj โ€“ Mauritius Bwell โ€“ Egypt DeepEcho โ€“ Morocco eShandi โ€“ Zambia Exuus โ€“ Rwanda Famasi โ€“ Nigeria Flexpay โ€“ Kenya iFunza โ€“ Kenya Instaware โ€“ Tunisia Job Crystal โ€“ South Africa Lifebank โ€“ Nigeria PraxiLabs โ€“ Egypt Sahl โ€“ Egypt Scandium โ€“ Nigeria Shamba Records โ€“ Kenya Trade Lenda โ€“ Nigeria Ubiquity AI โ€“ South Africa XChangeBOX โ€“ Nigeria See more at vivatech.com/
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Weโ€™re proud to be selected in the Top 30 AfricaTech Award 2026 at @VivaTech ๐ŸŒ๐Ÿ‡ฟ๐Ÿ‡ฒ From Zambia to the global stage - weโ€™re just getting started. #VivaTech #AfricaTech #Fintech @Ms_Chilu
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๐—–๐—ต๐—ถ๐—น๐˜‚๐—ณ๐˜†๐—ฎ ๐— ๐˜‚๐˜๐—ฎ๐—น๐—ฒ-๐— ๐˜„๐—ถ๐—น๐—ฎ ๐—ช๐—ถ๐—ป๐˜€ ๐—”๐—ณ๐—ฟ๐—ถ๐—ฐ๐—ฎ๐—ป ๐—ช๐—ผ๐—บ๐—ฎ๐—ป ๐—ถ๐—ป ๐—™๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ผ๐—ณ ๐˜๐—ต๐—ฒ ๐—ฌ๐—ฒ๐—ฎ๐—ฟ ๐—ฎ๐˜ ๐—”๐—™๐—œ๐—ฆ ๐—”๐˜„๐—ฎ๐—ฟ๐—ฑ๐˜€ ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ Chilufya Mutale-Mwila (@Ms_Chilu), Co-Founder and Chief Visionary Officer of @my_eshandi, has been named African Woman in Finance of the Year at the prestigious AFIS Awards 2025. With over a decade of experience in financial services and inclusive finance, Chilufya has played a pivotal role in shaping eShandi into one of Africaโ€™s fastest-growing fintech companies, ranked #4 on the Financial Times Africaโ€™s Fastest Growing Companies 2024. Under her leadership, eShandi has expanded operations across Zambia, Zimbabwe, Kenya, and South Africa, delivering digital credit and savings solutions to more than 1.5 million users. Her work reflects a deep commitment to financial inclusion, particularly in empowering women and small business owners across the continent. Through eShandi, Chilufya has championed digital payments and technology-led financial inclusion, using innovation to make financial services more accessible and inclusive. By leveraging data, mobile platforms, and user-focused design, eShandi bridges the gap between formal finance and underserved communities, empowering individuals and businesses to transact, save, and grow in Africaโ€™s rapidly evolving digital economy. #AFIS2025 #AFISAwards #FintechAfrica #WomenInFinance #eShandi #TechtrendsZambia
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๐—ช๐—ผ๐—บ๐—ฒ๐—ป ๐—ถ๐—ป ๐——๐—ถ๐—ด๐—ถ๐˜๐—ฎ๐—น #๐—ช๐—ถ๐——๐—ญ๐—ฎ๐—บ๐—ฏ๐—ถ๐—ฎ๐Ÿฎ๐Ÿฑ ๐—ฆ๐—ฝ๐—ฒ๐—ฎ๐—ธ๐—ฒ๐—ฟ ๐—”๐—ป๐—ป๐—ผ๐˜‚๐—ป๐—ฐ๐—ฒ๐—บ๐—ฒ๐—ป๐˜: ๐—–๐—ต๐—ถ๐—น๐˜‚๐—ณ๐˜†๐—ฎ ๐— ๐˜‚๐˜๐—ฎ๐—น๐—ฒ-๐— ๐˜„๐—ถ๐—น๐—ฎ We are excited to announce that Chilufya Mutale-Mwila, multi-award-winning entrepreneur and Co-Founder & Chief Visionary Officer of @my_eshandi, will be speaking at the first ever Women in Digital Gathering. Chilufya is one of Zambiaโ€™s most influential leaders in digital lending, SME finance and inclusive fintech innovation. Under her leadership, eShandi has grown into a multi-award-winning Pan African fintech expanding across Southern and East Africa, and was recognised by the Financial Times as one of Africaโ€™s Fastest Growing Companies. Her work continues to transform how small businesses and underserved communities access capital, digital tools and financial opportunities. With more than a decade of experience, she has built a strong track record of designing digital solutions that create real impact for women and emerging entrepreneurs. She is a Stanford Seed alumna and a World Bank โ€“ IFC SheWins Africa alumna, representing a distinguished network of African women founders shaping the future of inclusive finance. She also serves as Vice-Chair of the Payments Association of Zambia, contributing to policy, industry development and digital payment innovation at national level. At the Women in Digital Gathering, Chilufya will share deep insight into digital finance adoption, innovative lending models and the transformative role fintech can play in empowering women-led businesses across the country. View the programme here: tinyurl.com/WiDZambia25 #WiDZambia25 @undpzambia @undp @undpafrica @UNDPAccLabs @UNDPtech @UNDPDigital
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Our Co-founder & Chief Visionary Officer, Chilufya Mutale - Mwila , will be joining the panel at the Girls Lead! Development Session, powered by @StanbicBankZM and @JuniorAchievement Zambia , on 1st October 2025.
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...She will contribute to the discussion on โ€œWomen in Technologyโ€, inspiring the next generation of girls to pursue careers in innovation, digital skills, and entrepreneurship. #GirlsLead #WomenInTech #Leadership #Inspiration
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โ€œThe funding is there, you just need to be in the right room.โ€ @ChilufyaMutale, CEO of @my_eshandi shares how IFC's #SheWinsAfrica helped her startup thrive. At 2025 @africaceoforum, women-led success stories shone. #ACF2026 is in Kigali | May 14โ€“15 โžก๏ธ wrld.bg/o4LK50WLZl8
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๐ž๐’๐ก๐š๐ง๐๐ข ๐š๐ญ ๐ญ๐ก๐ž ๐†๐ฅ๐จ๐›๐š๐ฅ ๐’๐Œ๐„ ๐…๐ข๐ง๐š๐ง๐œ๐ž ๐…๐จ๐ซ๐ฎ๐ฆ ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ“ Our Co-founder & CEO, Chilufya Mutale -Mwila, had the honor of speaking at the Global SME Finance Forum 2025, held as an official side event of the G20 Summit in Johannesburg, South Africa......
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.. This platform brought together global leaders and innovators driving financial inclusion and digital finance, and we are proud to have shared our perspective as part of the conversation. #eShandi #SMEF2025 #G20 #FinancialInclusion #DigitalFinance
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