Empowering Africa through digital innovation. Building secure solutions for lending, payments, digital identity, risk intelligence, and financial inclusion.

Buganda Road, plot 77 - Kimujo
Joined October 2026
With #KwaataSente, eligible customers can borrow between UGX 10,000 and UGX 500,000 depending on their approved credit limits with repayment periods of 7, 15, 21 or 30 days. Through this partnership, @gnuGrid continues to contribute its technology capabilities to advancing digital lending and expanding access to financial services in Uganda.
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Today, #KwaataSente has been officially launched giving 20 million @Airtel_Ug customers access to convenient mobile loans with just a simple dial of *185*8*5#.
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“#KwaataSente comes at a time when Ugandans increasingly value convenience and solutions that make everyday life easier. The product recognises the financial needs of individuals looking to meet financial obligations on time” - @CentenaryBank MD, Godfrey Byekwaso
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At Airtel Money, our ambitions are clear: to make digital financial services work harder for our customers and create opportunities for more Ugandans to participate in the economy. #KwaataSente is a step towards making that a reality - MD, @airtelmoneyug
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He further explained that practical financial inclusion is about partnerships, innovation and going beyond conventional approaches. He added that #KwaataSente presents an opportunity to bring digital credit closer to underserved communities across Uganda.
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“About 16.5 million Ugandans do not have a bank account” Our Managing Director, David Opio said this gap inspired the thinking behind #KwaataSente: finding new ways to extend digital credit to Ugandans who may not be reached through conventional banking.
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“89% of Ugandans don’t have access to banking” – David Opio Obwangamoi- ED gnuGrid technologies. #KwaataSente has the ability to reach these people conveniently and seamlessly.
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Our Managing Director , Godfrey Byekwaso has officially announced the launch of #KwaataSente, a mobile credit solution accessible on your @airtelmoneyug wallet - The over 20 million customers of @Airtel_Ug can now access this mobile loan by simply dialing *185*8*5# to use this product developed in partnership with Airtel Uganda and gnuGrid. By combining our financing with Airtel’s mobile money wallet, we are driving true financial inclusion for traders, farmers, and families across Uganda. CentenaryBank KwaataSente
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Imagine a Uganda where everyone has access to the financial support they need instantly and securely. "With #KwaataSente, over 20 million wallets are now empowered to unlock opportunities, support dreams, and build brighter futures".- Japhet ARITHO - Managing Director ,Airtel Mobile. By borrowing responsibly and repaying on time, we’re not just improving our credit scores, we’re transforming lives and strengthening our communities. #KwaataSente #AirtelUganda #CentenaryBank
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Kwaata Sente, a mobile credit solution accessible on your Airtel money wallet simply dial *185*8*5# to #KwaataSente instantly.
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Customers can access loans ranging from UGX 10,000 to UGX 500,000 depending on their approved credit limit with repayment periods of 7, 15, 21 or 30 days. #KwaataSente also allows partial or full repayment, offering flexibility in managing short-term financial needs.
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Kwaata Sente is a fully digital, short-term loan that enables eligible Airtel Money subscribers to access credit conveniently through the Airtel Money USSD channel subject to an acceptable mobile credit score.
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Today we launched #KwaataSente at Centenary Bank Mapeera House, a brand new digital loan product in partnership with @airtelmoneyug and @CentenaryBank. The launch marks another step towards making digital credit more accessible and convenient for eligible customers.
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Millions of Ugandans use mobile money daily. But what if it could open doors to credit beyond traditional banking? Today, Airtel Money, @CentenaryBank and gnuGrid Technologies launch Kwaata Sente, a new way for eligible customers to access short-term credit via their phones.
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“You don’t need any conventional collateral requirement to access Kwaata Sente.” David Opio explains that the service uses customers’ digital footprints, including their behaviour within the Airtel Money ecosystem, to help assess their eligibility for credit.
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“About 16.5 million Ugandans do not have a bank account.” David Opio, MD of @gnugridcrb, says this gap inspired the thinking behind Kwaata Sente which was finding new ways to extend digital credit to Ugandans who may not be reached through conventional banking. #KwaataSente
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With loans starting from UGX 10,000, subject to approved limits, eligible customers can access short-term credit directly through their wallets For a small business owner managing cash flow or replenishing stock, getting funds when they need them can make a meaningful difference
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“At Airtel Money, our ambitions are very clear: to make digital financial services work harder for our customers and create opportunities for more Ugandans to participate in the economy.” Airtel Money MD, Japhet Aritho says #KwaataSente is a step towards making that a reality.
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“You don’t have to be a Centenary Bank customer to access these services. To us, that is a very big milestone.” Through its partnership with Airtel Money and @gnugridcrb, Centenary Bank is extending access to short-term credit to eligible Airtel Money customers.
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“Our mission is to transform lives sustainably through inclusive and innovative financial solutions.” @CentenaryBank MD, Godfrey Byekwaso says #KwaataSente is another step towards that mission, combining banking, mobile money and technology to extend credit to more Ugandans.
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