Jubilee Health Insurance, in collaboration with Diamond Trust Bank (DTB), has today unveiled a revolutionary digital payment solution that aims to transform how health insurance premiums are paid.

This first-of-its-kind solution in the healthcare industry offers a flexible instalment payment option, making healthcare more accessible and affordable for a broader segment of the population.

This innovation marks a significant leap in the health insurance landscape, combining cutting-edge digital platforms with customer-centric design to solve one of the industry's most persistent challenges—affordability.

For years, many households in Kenya, particularly in rural and lower-income areas, have faced financial barriers when accessing healthcare.

According to the Kenya Demographic and Health Survey (KDHS) 2022, over 20% of Kenyans still lack access to health insurance, and 30% of the population faces catastrophic healthcare costs due to the burden of upfront medical payments.

Now, with this online process, customers can complete their health insurance transactions in just five easy steps using their mobile phones.

Whether purchasing a new health insurance policy or renewing an existing one, customers can apply, select an installment plan, and receive instant approval—ensuring they are covered right away.

"This innovation is a game-changer for the industry," said Njeri Jomo, CEO of Jubilee Health Insurance.

"We understand that today's customers need flexibility, convenience, and affordability. Our solution delivers all of these, allowing them to get the coverage they need without the burden of upfront payments."

DTB’s involvement is integral to the success of this solution, as the bank provides the financial infrastructure for managing instalment payments, ensuring customers experience a smooth and reliable payment process.

Nasim Devji, Group CEO of DTB, said: " This partnership allows us to leverage our financial expertise to provide solutions that reduce the financial burden on individuals and families, ensuring that health coverage is within reach for a larger portion of the population."

This Lipa Polepole solution, designed with the customer in mind leverages technology to provide real-time approval for health insurance coverage.

Customers can access their health cover instantly through a secure platform that eliminates the need for paperwork or lengthy approval processes.

The solution caters to individuals, families, and small businesses, offering flexible payment terms that allow premiums to be paid overtime.

Jubilee Health’s digital installment option is the first in the market to integrate instant, digital financing options with health insurance, setting a new standard for how health insurance is offered.

This move is anticipated to influence how other industry players approach premium financing, further driving innovation in healthcare access.

"We are proud to lead this charge in transforming healthcare access in Kenya," Jomo added. 

With this new digital payment option, customers can now sign up for health coverage online via www.jubileekenya.com, select their desired installment plan, and receive instant approval.

This allows them to remain insured without the pressure of significant upfront payments, providing peace of mind and financial flexibility.

Through this strategic partnership, Jubilee Health Insurance and DTB are leading the charge in digitizing healthcare access and empowering more people across Africa to secure their health.

Internationally celebrated Afrobeats singer-songwriter Lojay, known for global hits like “Monalisa” (Sarz) and “Sensational” (with Chris Brown and Davido), is back with an exciting twin release.

Renowned for his smooth melodies, captivating lyrics, and seamless genre fusion, Lojay presents “Falling / Unleash”.

“Unleash” paints a vivid picture of navigating the hustle and the personal battles that come with chasing success in a city that never sleeps, whilst “Falling” is a testament to his versatility as a trailblazer in the Afrobeats scene, encapsulating the blissful essence of falling in love through Lojay’s signature lyricism.

“Falling” is a track designed to make you smile, daydream and feel the warmth of a genuine connection from beginning to end, “and that was my intention for the song because that’s what love does to you”, says Lojay,.

Adding on its magnetic pull and creation, “Long story short, I caught feelings and was essentially trying to capture those feelings in a song so my fellow softies could listen and grin with pure excitement.”

On “Falling”, Lojay taps into the euphoric feeling of being consumed by love. The single flows with dreamy, soft melodies and a punchy, infectious production that invites listeners into a state of pure happiness. 

On the flip side, “Unleash” produced by regular collaborators, the Grammy-nominated Sarz and Moon Willis, reveals Lojay's perspective on the gritty realities of modern life in Lagos.

With a bold, pulsating beat and sultry chords, Lojay weaves a narrative that explores societal pressures, the hustle for survival, and the harsh juxtaposition between beauty and struggle.

The production’s heavy drums, infectious rhythm and smooth textures elevate the song’s intensity and depth.

On the creation of “Unleash”, Lojay says, “Unleash highlights the daily struggle of trying to keep up with the pressures of society today. It’s Lagos living in a nutshell, honestly. It’s brutal and beautiful at the same time, and my intention was to encapsulate that in the song with a mix of sultry chords, heavy drums, and a vocal texture that just brings it all together.”

This double release features contrasting yet complementary tracks that highlight Lojay’s depth as an artist and storyteller.

As Lojay impresses with the latest project–his growing fanbase can expect another masterful demonstration of his artistry, pushing the boundaries of Afrobeats to new heights.

This year alone, Lojay has collaborated with artists such as Simi, Jae5, and Ayra Starr, and released his single “Billions” with Sarz. His recent feature on Fireboy DML’s album ‘Adedamola’ has also garnered widespread acclaim.

Kenya’s leading technology company, Safaricom, is today celebrating 24 years of connecting and transforming lives of Kenyans since its official launch on 23rd October 2000.

As part of the celebration themed “24 Years of Transforming Lives: Celebrating Through Service,” Safaricom will be showing appreciation to its customers through a variety of service and product offerings across the country.

These include special M-PESA surprises, merchandise giveaways, distribution of Mama Packs, transportation delights, and other exciting customer rewards.

“As we mark 24 years of connecting Kenyans, I want to immensely thank our loyal customers for walking with us on this exciting journey. Because of you, we have grown from a telco to a cornerstone of innovation, empowerment and progress in Kenya. Your trust and unwavering support have inspired us every step of the way.” said Peter Ndegwa, CEO at Safaricom.

Over the last two decades, Safaricom has evolved from a telecommunications provider to a key player in the technological, economic, and social transformation of Kenya.

Safaricom has grown exponentially, positioning itself as a pillar of innovation, empowerment, and progress in the country.

From its humble beginnings as a mobile network operator, the company has expanded its portfolio to include revolutionary services such as M-PESA, its mobile money platform, and other digital solutions that have changed how Kenyans live, work, and do business.

Safaricom has also played a crucial role in enhancing network connectivity, evolving from its initial 2G services to the current 5G network, which offers unparalleled internet speeds and capabilities.

This progression has enabled Kenya to embrace emerging technologies, positioning the country at the forefront of the global digital economy.

Beyond its business achievements, Safaricom has also made a significant impact on the lives of Kenyans through its sports assets and corporate social responsibility (CSR) initiatives.

The Safaricom Foundation has invested billions of shillings in health, education, economic empowerment, and environmental conservation projects, all aimed at uplifting communities across Kenya.

These initiatives reflect the company’s commitment to driving positive societal change and making a lasting impact on the lives of Kenyans.

In celebration of its 24th anniversary, Safaricom will also embark on a yearlong series of activities aimed at engaging its diverse stakeholders, including customers, investors, communities, partners, employees, and the media. The company will also work closely with regulators and government bodies to advance the industry and foster stronger relationships.

Cyrus Barmasai and Grace Mwangi clinched victory in the men’s and women’s 21km races, clocking times of 1:16:52 and 2:24:03 respectively, during the Standard Chartered Mombasa Satellite Run.

The event, held at Treasury Square in CBD, attracted more than 650 participants and served as a warm-up for the upcoming 21st edition of the Standard Chartered Nairobi Marathon, set for Sunday, October 27, 2024, at Uhuru Gardens in Nairobi.

The Mombasa Satellite Run featured three race categories: a 5km Family Fun Run, a 10km race, and a 21km race, offering local running enthusiasts a chance to participate in Kenya’s largest single-day sporting event without needing to travel to Nairobi.

In the men’s 21km race, Bonface Kiprotich and Eric Shikuku secured second and third places, respectively, while in the women’s race, Tamnai Miriam took second place, followed by Molly Yanda in third. In the 10km race, Michael Bett claimed first place in the men’s category, with Martha Akendo emerging victorious in the women’s category.

The 5km and 10km participants started their race from Treasury Square, following a scenic route through the iconic Mama Ngina Waterfront, looping around the Docks Roundabout, before returning to the starting point. Meanwhile, the 21km runners extended their route across the Nyali Bridge, turning at Nyali Cinemax before heading back to Treasury Square.

The Mombasa race was the final satellite run in the series, following two other successful events in Kisumu and Kakamega, where Vincent Ouma and Gideon Kibet, a first-year student at Masinde Muliro University, took the top spots respectively.

The concept of satellite runs originated during the COVID-19 pandemic, when virtual marathons allowed participants to compete from different locations amid restrictions on public gatherings.

“The inclusion of satellite races demonstrates our dedication to providing accessible fitness and sporting opportunities across the country. Each year, we’ve seen the number of participants in Kisumu, Kakamega, and Mombasa increase, encouraging us to continue hosting these minievents,” said Peter Gitau, Standard Chartered COO and Chairman, Marathon Local Organising Committee.

The 21st edition of the Standard Chartered Nairobi Marathon has secured support from over 40 sponsors, raising a total of KES 173 million. More than 25,000 runners have registered for this year's marathon, reflecting a 19% increase from the 21,000 participants in 2023.

Proceeds from the marathon will support Standard Chartered's Futuremakers initiative, which aims to empower young people, especially women and those with disabilities, by equipping them with the skills to learn, earn, and grow.

This initiative aligns with Sustainable Development Goal 8, which advocates for inclusive economic growth and decent work for all. Since its inception, the Standard Chartered Nairobi Marathon has hosted over 300,000 runners, cementing its reputation as one of the region's premier sporting events. This year, Standard Chartered has invested KES 100 million in the marathon.

The event will feature a range of races, including the 42km full marathon, 21km half marathon, 10km race, the popular 5km Family Fun Run, and specially designed events for individuals with disabilities.

Three players From The Kenya Tong-IL Moo-Do Federation were among 142 individuals feted by President Willaim Ruto during the Mashujaa celebrations held in Kwale.

Those who were feted including some posthumous were grouped into 14 categories.

The three are Kenyan ladies team captain Salma Ali, Men’s Captain Master Elvis Malipe Ole Mpakuanik and Lona Abiero.

"Let us remember the examples of our first mashujaa and be inspired by their values, achievements and legacy. Let us do our part to promote national cohesion and inclusion and to combat division, tribalism and exclusion. Let us remember that without unity, our freedom and our future would be under threat. Together, we are unstoppable in pursuit of our aspirations and immovable in the face of any challenge." said President Ruto in his speech.

Adding" I am encouraged by the bravery, diligence and loyalty with which Kenyans of all walks of life undertake their professional and social tasks, fighting crime and terrorism, defending the nation's territorial integrity, treating the sick, feeding the nation, teaching our children and serving the needs of underprivileged citizens. To you all, I convey the gratitude and appreciation of all Kenyans. It is in these things that heroism lies. The fact that we must do them every day doesn’t make them any less heroic or extraordinary - ushujaa is doing ordinary things in extraordinary ways. Therefore, whatever our vocation, let us apply ourselves with zeal because that is how great nations are built."

In the last two month, Kwale County has been a destination of choice for top government officials from different state departments. This is courtesy of the ongoing preparations of hosting this year’s Mashujaa day celebration at Kwale Stadium on the 20^th of October.

Government officials have been flocking at the County Headquarters for progressive meetings and burn the mid-night oil to ensure the festivals meet the excellence status. Cabinet Secretaries and their ministerial technocrats have been on the ground to ascertain beyond reasonable doubt that come the eve of probably the most high-profile government event to be staged in Kwale since independence all shall be set.

Kwale Governor,  Fatuma Achani said that she has been have sleepless nights overthinking about the next step after completing any other step. She added that her team at the County level led by her deputy Chirema Kombo has been immensely great, dedicated and supportive.

“Activities have been running seamlessly through professional coordination between my team on the ground and that of National Government,” said the Governor.

However, all these dedication towards the big day is delivering a new face for various spots in Kwale County. Every morning towards the Mashujaa day event there is worth  picturesque places which were not there a day before. Diani has seen a huge facelift with sculptures of Kwale indwellers’ wildlife animals, clean streets, and roads and trees planted at strategic areas making the tourist town appealing to the eyes of the residents and visitors.

The main road off-Lungalunga highway to Kwale is being carpeted to make it smooth, something that will be beneficial for years to road users.

The preparations have seen the completion of an iconic multipurpose Kwale stadium with FIFA standards and over ten thousand holding capacity.

The County government of Kwale has received applauds with this accomplishment all over the country. The Kwale Governor says that the stadium will be well maintained after the celebrations and local football teams will be allowed to use it in their official matches. Roads in various parts of the county have been renovated that will be very key to connectivity enhancing economic activities in the county and beyond

Renowned local restaurant chain Café Deli, has officially relaunched its Ngong Road branch as its dynamic hub offering unique culinary experiences. This expansion is a significant milestone for Nanjala Ltd, the parent company, as it aligns with strategic growth plans to expand its footprint across the country.

Located at Lexo Petrol Station, Café Deli Ngong Rd offers an exceptional fusion of Continental and African cuisine catering to a diverse clientele.

The tantalizing array of dishes range from soups, salads, pizzas, loaded fries, burgers and specialty items like antitheft, steaks, kienyeji, Asian cuisine, and even silver cyprinid fried to perfection among others, appealing to a wide range of palates.

These can be ordered from popular online platforms as well.

It also offers delectable cakes both ready and on order, including forest cakes, fruit cakes, and special themed creations. To complement its culinary offering, Café Deli also serves a variety of hot and cold beverages, with special promotions on cocktails and wines throughout the week perfect for traffic rescue and evening wind down.

Speaking about the relaunch, Obado Obadoh, the Managing Director and founder of Nanjala Ltd, expressed his excitement saying, "We are thrilled to unveil the revamped Ngong Road branch as a culinary destination and hub. Our commitment to providing exceptional all day dining remains our focus, and we believe that this relaunch will further elevate our reputation as a leading restaurant chain in Kenya."

“We strive to provide high-quality services and experiences at affordable prices in the vibrant Ngong Road district targeting corporates and residentials in the area.” he added.

Obado Obadoh's passion for excellence and dedication to nurturing talent have been instrumental in the success of Café Deli. Through his mentorship and guidance, he has fostered a positive work environment and empowered numerous individuals in the culinary industry.

Operating for over 17 years, Café Deli has established itself as a beloved local brand known to many for its exceptional services. In addition to its four restaurant branches which include Tumaini, Koinange, Moi and now Ngong Rd, Nanjala Ltd also operates a thriving catering arm providing distinguished banqueting services for both corporate and social events.

This division has witnessed renewed focus and is experiencing steady growth, further solidifying the company's position as a leading player in the Kenyan hospitality industry.

The relaunch of the Ngong Road branch is a testament to Café Deli's unwavering commitment to delivering top tier culinary experiences.

With its diverse menu, impeccable service, and inviting ambiance, the restaurant is poised to become a go-to destination for food lovers in Nairobi.

Blockchain technology is not an easy concept to grasp. Its complexity is what makes it both challenging and unique. Essentially, Blockchain represents one of the largest consensus algorithms in operation today, serving as a powerful, decentralized, and distributed system.

Alongside Artificial Intelligence (AI), Blockchain offers a transformative approach in addressing social, political, and economic challenges, particularly corruption.

The intersection of Blockchain and AI has generated significant attention, especially as countries like Kenya seek solutions to entrenched corruption. Beyond the speculative rise of cryptocurrencies such as Bitcoin, the true potential lies in how Blockchain technology and AI can be used to create transparent, immutable, and accountable systems.

These technologies hold the promise of transforming how financial transactions, public records, and social systems are managed, minimizing the opportunities for fraud and corruption.

Corruption is often fueled by the lack of transparency, weak governance structures, and a dependence on human intermediaries who are prone to manipulation. Traditionally, systems like voting, financial auditing, and government record-keeping have relied on paper or centralized digital systems. These are vulnerable to tampering, especially in environments where checks and balances are weak or absent.

Blockchain and AI introduce a "trust protocol" that removes the need for intermediaries. With Blockchain, each transaction, vote, or record is stored on an immutable digital ledger, while AI can be employed to detect patterns of fraud, nepotism, and irregularities. These technologies together can offer a new level of transparency and accountability to the public and government alike.

At its core, Blockchain is an electronic ledger that records transactions. Unlike traditional systems that rely on human intermediaries to verify and audit transactions, Blockchain distributes this responsibility across a global, decentralized network of participants. Each transaction is encrypted and given a unique "hash" (a secure cryptographic code), making it virtually impossible to alter once it has been added to the ledger.

In the context of anti-corruption efforts, Blockchain allows for complete transparency. For example, when used in government procurement systems, every transaction can be traced, verified, and validated by the public. This minimizes the chances for tampering, as altering a transaction would require changing all subsequent transactions in the chain, an almost impossible task.

AI offers another layer of protection by detecting fraudulent activities, irregularities, and corrupt practices. Machine learning algorithms can be trained to monitor patterns and detect anomalies that signal corrupt behavior. For example, AI can identify suspicious voting patterns, financial fraud, or irregular public contracts.

Corruption is one of the most persistent challenges facing Kenya, costing the country billions of shillings annually. Below are some use cases where Blockchain and AI could be applied:

Transparent Voting Systems: Blockchain could ensure the integrity of elections by creating a decentralized, tamper-proof ledger of votes. Voters could have more confidence in the system knowing their votes are securely recorded and cannot be manipulated.

Public Procurement and Contracting: Government contracts are often vulnerable to manipulation, resulting in inflated costs and poor-quality services. By using Blockchain, Kenya could establish a transparent, auditable, and tamper-proof record of all procurement processes.

Land Registries and Asset Management: Land disputes in Kenya are often the result of corruption and fraudulent land titles. By moving land registries to a Blockchain-based system, Kenya could eliminate duplicate records and ensure that all land titles are accurate and immutable. AI could further help identify patterns of fraudulent land dealings, including irregular changes in ownership.

Financial Transactions and Tax Compliance: Corruption often takes root in financial systems where transactions can be hidden or manipulated. Blockchain can provide a transparent ledger of financial transactions.

At the heart of this discussion on the penetration of technology, it is without a doubt that infrastructure challenges are self-evident not in the lack of seabed fiber optic cables and satellite dishes, but inward penetration and proliferation.

Although Mobile technology penetration in Kenya has emerged like a beacon of light, penetration lags behind. These failings have perhaps ironically also been the root cause for the aforementioned emergence of a well-established mobile banking culture. Without landlines mobile technology leapt forward and reframed our understanding of how mobile telecommunication, that is more pervasive than in more developed countries can propel banking and thereby economic growth.

So, what does Blockchain promise in term of adoption for early adaptors? If mobile technology was a leapfrog into mobile banking and financial empowerment, can Blockchain prove to be the spring-board effect for a redefinition of political, social and economic development paradigms?

Author:

Dr. James Mulli

European Business University of Luxembourg:  www.ebulux.lu