Juliet Ongwae, PhD

Chief Innovation Officer, Musoni Microfinance

Juliet Ongwae is the Chief Innovation Officer at Musoni Microfinance. She is responsible for leading the creation and operationalization of new products and practices, creating technological solutions to operational challenges across all functions in Musoni Kenya, streamlining information technology development processes with a strong customer focus and in general, nourishing and encouraging creative and innovative thinking on all levels. She is also responsible for managing and expanding the portfolio of innovation and research projects at Musoni and leads efforts to innovate, evaluate and replicate solutions through partnerships.

Juliet joined Musoni from Central Bank of Kenya where she served for more than 10 years in projects developing, deploying and positioning innovative, large-scale and regional digital payment systems such as the RTGS system, Cheque Truncation System, Value Capping System, EAPS, REPSS, Government G-Pay and CBK Core Banking and ERP system from ideation to execution. She also has experience in drafting payment systems policies and regulations, business process reengineering and change management.

She has an interest in the application of design thinking in the design of digital technologies for financial inclusion and has a PhD from University of Manchester, which focuses on human-centred design of mobile financial services. She has an MBA degree from Indiana University of Pennsylvania and a Bachelor of Information and Communication Technology degree from University of Wollongong.


Dorothy is an egalitarian leader who believes leadership is the capacity to translate a vision into reality and empower people in the process. Dorothy’s leadership philosophy is grounded in the principles of integrity, discipline, teamwork, competence, adaptability and unwavering focus.

Spielworks Media started 8 years ago, with the vision of telling the African Story on film and television platforms. A decade later, the landscape has changed. Innovation and technology have ushered in the digital age and disrupted the traditional media industry.

Dorothy understands the importance of adaptive leadership in engaging her team’s agility in response to the dynamics of the digital age and space. This involves the challenge of mobilizing her team to adapt to change, exploit opportunity, explore possibility and tackle difficult challenges in order to thrive.


Dorothy sits on the Board of ONWARD a Youth Empowerment movement and the African Wildlife Foundation National Advisory Board.

Dorothy’s honors include; Business Daily Top 40 Under 40 Women in Kenya in 2011 and 2014, Top 40 Under 40 Women in Film in Africa and Msafiri’s Top 50 Business People in Kenya.

Dorothy is an alumnus of The Bucerius School of Global Governance in Hamburg, Germany and a 2016 Archbishop Desmond Tutu Fellow. She is a graduate of the Stanford Institute for Innovation in Developing Economies SEED program and remains dedicated to telling the African story.