★★★★★

"I run a shop in Kariobangi. I take payments, order stock and pay my supplier without leaving the app. That used to be three apps and a bank queue."

★★★★★

"I moved from okada riding to running two bikes on Zuma. The credit score from my trips got me the loan for the second one."

★★★★★

"We list our lodge on Zuma Safaris and get bookings direct. No agent taking thirty percent before we see the money."

★★★★★

"My mother in Mbale gets her blood pressure tablets delivered every month. I pay from Kampala. She never has to travel."

★★★★★

"I sell 40 crates of tomatoes a week through Zuma Agriculture. The price is agreed before I harvest, so I stop guessing."

★★★★★

"Rent, deposit and lease all went through the app. I never handed cash to an agent I had never met."

★★★★★

"Our restaurant does delivery and table bookings from one dashboard. Payouts land on Friday without me chasing anyone."

★★★★★

"I found my job on Zuma. No one asked me for an application fee, which is why I trusted it."