An Expert Team

Nick has been at the forefront of innovation in mobile commerce in emerging markets for two decades, pioneering successful digital Fintech solutions that solve real problems. Nick leads the development of 4R Digital’s products and services.  Nick was the co-founder of M-KOPA, the pioneering pay-as-you-go clean energy and financial services business that has reached over 6 million customers in Africa.  Prior to this, he developed and led M-PESA from its origination to mass-market deployment in multiple territories, starting in Kenya where it has delivered financial inclusion to tens of millions of people.  Nick was awarded with an OBE for services to ‘innovation in Africa’ in the 2017 Queen’s Birthday Honours list.

Jon leads 4R Digital’s Innovation Advisory services, bringing deep expertise in driving market-based solutions for international development. With over 15 years experience as a Principal in International development, Jon was also the Former Director of Innovation LAB at M-KOPA, where he focused on designing and scaling market innovations that create sustainable impact. Jon has overall extensive experience in the design and implementation of innovation funds, enabling organizations to foster creativity and accelerate growth.

Daniel Janes is a seasoned finance executive with a proven track record in strategic financial leadership and organizational growth. Currently serving as Finance Director at 4RDigital, he previously held the same role at Mologic, from management buyout through to sale and post-sale integration. He also co-founded Global Access Diagnostics, where he too served as Finance Director. Earlier in his career, Daniel built a strong foundation, operating in practice as an Accounts and Audit Senior for Haines Watts, before moving into industry in a Senior Accountant role. Daniel brings a wealth of expertise in financial planning, governance, and operational efficiency, partnering closely with executive teams and boards to strengthen performance and create long-term value.

Richard leads 4R Digital’s technology strategy and oversees its in‑house development and platform teams, drawing on deep expertise in building scalable Cloud applications on Microsoft Azure and a career shaped by delivering robust systems for global financial institutions. He brings a track record of engineering secure, resilient platforms that enable innovation at scale, ensuring 4R Digital’s products are built to drive meaningful impact in emerging markets.

Viji brings extensive experience in digital financial services, product management and leading complex strategic projects. She is currently Product Director at 4RDigital, leading on product planning and delivery. Previously, Viji worked as Product Manager in digital transformation projects and spent many years at Vodafone / M-PESA, progressing through roles from Business Analyst to Product Manager. Her career reflects a strong track record in delivering impactful solutions and leading complex programs across diverse industries.