In this episode of the Pure Digital Passion Podcast, I sit down with Steve Kahugu, the Chief Technology Officer at CarDuka, to unpack how one of Kenya’s fastest-growing digital car marketplaces is solving the country’s long-standing trust deficit in car buying and selling.CarDuka has grown from an online valuation platform in 2017 to a 2.5 million–user marketplace built around verification, safety, data-driven decision making, instant financing, and AI-powered insights. Steve gives a candid, deeply technical look into how the platform works, why trust remains the industry’s biggest pain point, and how CarDuka plans to scale toward 4 million users by December.We explore CarDuka’s dealer microsites, private seller tools, the new trading feature, powerful NCBA financing integrations, and their long-term vision of becoming the most trusted marketplace for cars across Africa.If you’ve ever bought or sold a car in Kenya, this conversation offers clarity, context, and a glimpse into the industry’s future:00:00 – Introduction & Why Trust Defines Kenya’s Car Market01:33 – CarDuka Origins: From Valuation Tool to Auctions to Marketplace03:22 – The Trust Deficit: Kenya’s #1 Pain Point in Car Transactions04:23 – Why Even Car Dealers Face Trust Challenges06:19 – How CarDuka’s Verification System Works (Buyers & Sellers)08:51 – Mileage Manipulation & New Authenticity Safeguards10:25 – Deep Integration with NCBA & Instant Financing13:35 – CarDuka Growth: From 1M to 2.5M Users14:00 – AI-Powered Car Reviews & Chatbots16:55 – Scaling to 4 Million Users: What’s Driving Adoption21:13 – Private Sellers: Self-Listing vs. Sell-It-For-Me23:06 – New Trading Feature Explained24:58 – Dealer Microsites & Digital Showrooms28:11 – Why Dealers Must Learn to Self-List31:51 – Dealer Benefits: Verified Leads, NCBA Financing & More32:13 – The 2030 Roadmap & CarDuka Club35:26 – Misconceptions About Buying Cars Online37:38 – Message to Hesitant Buyers38:14 – Message to Dealers Yet to Join CarDuka39:06 – Where to Learn More & Download the App39:31 – Closing Thoughts

At the ALN ATLAS 2025 – Africa Law & Tech Symposium on the 12th November 2025, I had the privilege of moderating a panel discussion exploring one of the most important conversations of our time: How Africa can build a digital legal infrastructure that is trusted, inclusive, secure, and ready for the future.

In this session, I was joined by three leaders who sit at the heart of Africa’s evolving digital economy — Phyllis Migwi of Microsoft Kenya, David Bunei of Oracle Kenya, and Dr. Shikoh Gitau of Qhala. Together, we unpacked the essential building blocks needed to turn Africa’s digital policy aspirations into real-world systems that can support the continent’s social and economic ambitions.

The conversation began with a deep dive into the tension between innovation and compliance, with Phyllis offering a rare inside look at how Microsoft operationalizes responsible AI, navigates the Kenya Data Protection Act, and works to build trust through transparent governance practices. She emphasized that AI adoption in Africa can only flourish if organizations commit to ethical, auditable, and people-centered approaches that protect users.

David expanded the conversation by confronting the reality that Africa risks being left behind if the continent does not accelerate investment in cloud infrastructure, data centers, and harmonized regulatory frameworks. He emphasized that Africa’s digital future cannot be built on fragmented data policies or minimal investment in digital capacity. To benefit from the Fourth Industrial Revolution, Africa must modernize its legal frameworks, scale public-private cooperation, and grow a digitally literate population capable of adopting and trusting new technologies.

Shikoh grounded the entire conversation by reminding us that digital transformation is ultimately about people. Policy documents, she argued, do not create digitization — practical implementation does. Using Rwanda’s fintech passport as a case study, she demonstrated how regulatory sandboxes, human-centered design, and region-based experimentation can unlock pragmatic, cross-border digital ecosystems that work in real life, not just on paper.

As the panel progressed, we explored the promise of blockchain in legal agreements, the future of smart contracts in Africa’s informal and agricultural sectors, the risks and opportunities associated with cross-border data governance, and the urgent need for Africa to define its own AI ethics and digital identity principles rather than import frameworks that may not reflect the continent’s realities.

We ended with a clear view of what must happen next: Africa must align digital laws with continental ambitions, build capacity at scale, experiment more boldly, and adopt legal and regulatory innovation as a default mindset. The future is already unfolding — Africa’s responsibility is to shape it intentionally.

00:00 — Introduction

02:40 — AI Governance & Compliance in Africa

08:18 — Cloud Infrastructure & Data Sovereignty

13:55 — Human-Centered Digital Policy

21:00 — Responsible AI & Public Sector Readiness

23:40 — Smart Contracts & Blockchain Adoption

32:55 — Cross-Border Data Governance

38:20 — Public-Private Collaboration

49:30 — Closing Reflections

54:50 — Final Thoughts

#ATLAS2025 #LawMeetsCode #DigitalAfrica #AIinAfrica #ALNAcademy

In this episode of the Pure Digital Passion podcast, I sit down with Anuj Tanna, Co-Founder and CEO of MESH, for a deep dive into the platform that is fuelling Kenya's vibrant hustle economy. Anuj shares the foundational insights from his time at Telkom Kenya that led him to see the informal economy not as a problem to be fixed, but as a powerful engine to be supported. We discuss the specific product mechanics, business model, and future vision for the platform serving over 1 million young entrepreneurs. This is a must watch or listen for anyone in technology, finance, and social impact in Kenya and Africa.In this episode, we discuss:(02:45) The key lessons from Telkom Kenya that became the seed for MESH.(10:30) Why "identity" is the biggest lever for income growth, not the biggest barrier.(15:32) How MESH's UI/UX is architected to shift a user's identity from "unemployed" to "entrepreneur."(21:12) The "Jungle Gym" model: Why peer-to-peer learning from someone "two steps ahead" beats formal courses.(26:19) The future of MESH: Using generative AI to create a personal business coach in Sheng and Swahili.(29:59) The "Wraparound Experience": A groundbreaking, three-pillar strategy to make trust "bankable" and unlock credit.(36:51) The MESH Business Model: How the platform stays free for users by partnering with corporates.(49:36) Overcoming resistance and changing the mindset from "formalizing" to "fuelling" the informal economy.Enjoyed this?👍 Like the podcast💬 Drop your thoughts or questions in the comments🔔 Subscribe for more conversations on Kenya's and Africa's digital transformation.#PureDigitalPassion #MESH #AnujTanna #MosesKemibaro #HustleEconomy #Kenya #Africa #Technology #Startups