Business
Tanzania’s Payments Infrastructure Expansion Signals a New Stage in East Africa’s Digital Finance Race

Tanzania’s digital payments ecosystem is entering a more mature phase as payment infrastructure provider UBX Tanzania extends its long-running partnership with global payments technology firm ACI Worldwide. The renewed agreement comes at a time when East African financial systems are processing larger transaction volumes, onboarding more digital-first users, and facing rising pressure to maintain secure, always-available payment infrastructure. While the announcement centers on backend financial technology, its implications reach far beyond banking operations. Digital payments have quietly become critical national infrastructure. UBX currently supports payment processing for 18 Tanzanian banks and manages a nationwide ATM network handling more than a million transactions every month. Under the extended partnership, the company expects to significantly increase processing capacity over the next five years while expanding services to additional institutions and merchants. That scaling effort reflects how rapidly financial behavior is changing across Tanzania. Mobile money adoption, agency banking, instant transfers, merchant payments, and digital wallets are all contributing to a financial ecosystem that is becoming more interconnected — and more dependent on resilient transaction systems operating continuously in the background. As more commercial activity shifts online and onto mobile platforms, downtime is no longer a minor inconvenience for banks or payment providers. System failures can disrupt salaries, retail purchases, transport services, utility payments, and small business cash flow within minutes. This is one reason why financial institutions across Africa are increasingly investing in redundancy, localized data infrastructure, and high-availability systems. According to the :contentReference[oaicite:0]{index=0}, electronic payment volumes have continued expanding steadily in recent years as digital financial services deepen across the country. Tanzania has also emerged as one of East Africa’s more active mobile money markets, alongside Kenya and Uganda. The infrastructure challenge, however, is becoming more complex. Payment providers are no longer supporting only ATM withdrawals and basic bank transfers. They now manage interoperability between banks, fintech platforms, telecom operators, merchant systems, mobile wallets, and increasingly cross-border payment networks. That complexity creates operational risks that many older banking systems were not originally designed to handle. The UBX-ACI partnership appears aimed partly at solving that scalability problem. The platform’s deployment across dual PCI-compliant data centers inside Tanzania signals a broader industry shift toward localized resilience rather than relying entirely on offshore infrastructure or fragmented legacy systems. For regulators, that matters because payments stability increasingly overlaps with national economic stability. Governments across Africa are paying closer attention to digital financial infrastructure after repeated examples globally of cyberattacks, payment outages, and operational disruptions affecting banking systems. As economies digitize, central banks are becoming more concerned with uptime, transaction security, fraud monitoring, and operational continuity. Organizations such as the :contentReference[oaicite:1]{index=1} and the :contentReference[oaicite:2]{index=2} have repeatedly warned that financial modernization must be matched with stronger infrastructure resilience and regulatory oversight. Tanzania’s market is also evolving beyond traditional banking competition. Fintech firms, telecom operators, payment gateways, and embedded finance platforms are increasingly competing for the same users. That competition is pushing infrastructure providers to deliver faster onboarding, lower downtime, improved interoperability, and support for new digital financial products. Under the renewed partnership, UBX will now expand more directly into merchant services and value-added offerings such as digital wallets. That move reflects a broader continental trend where payment infrastructure companies are evolving from transaction processors into full ecosystem enablers. The distinction is important. Owning payment rails increasingly creates opportunities far beyond simple transaction fees. Companies that control infrastructure layers can support lending products, merchant services, cross-border commerce tools, loyalty systems, and embedded financial services. This is particularly relevant as the :contentReference[oaicite:3]{index=3} continues pushing long-term ambitions for greater regional commerce integration. Efficient digital payment systems are widely viewed as essential if intra-African trade is to scale meaningfully. Still, infrastructure expansion alone does not automatically guarantee financial inclusion. Large parts of Tanzania’s economy remain cash-driven, particularly in rural and informal sectors where digital literacy, smartphone penetration, and internet access vary significantly. Financial technology growth therefore depends not only on backend systems, but also on affordability, trust, accessibility, and consumer education. The challenge for payment providers is balancing rapid innovation with reliability. “As Tanzania’s payments landscape continues to grow in scale and complexity, we need infrastructure that is not only reliable but also adaptable to future demands,” said Seronga Wangwe, Managing Director and Chief Executive Officer of UBX Tanzania Limited. “ACI gives us the confidence to expand our services, support more institutions, and continue delivering secure, high-performance, and always-on payment experiences that underpin economic activity across the country.” ACI Worldwide framed the partnership as part of a longer-term push to support Tanzania’s financial transformation. “Our extended partnership with UBX reflects a long-standing relationship grounded in decades of mutual trust, underpinned by ACI’s deep global expertise in the payments industry and a shared commitment to advancing digital payment transformation in Tanzania,” said Nick Craig, General Manager, EMEA at ACI Worldwide. “ACI is proud to support UBX’s vision in the development of an inclusive, sustainable, and innovative payments ecosystem that promotes financial inclusion and drives long-term economic growth.” Behind the corporate messaging lies a broader reality: East Africa’s digital economy increasingly depends on invisible infrastructure layers that most consumers never see but rely on every day. As transaction volumes rise and financial ecosystems become more interconnected, the companies managing those systems may become just as strategically important as the banks and fintech brands consumers interact with directly.
Business
Kenya Airways Gets Sh45.4 Billion Government Financing Boost as Turnaround Plan Advances

NAIROBI, October 9, 2026 — Kenya Airways is set to receive US$350 million (approximately Sh45.4 billion) in government shareholder financing after Cabinet approved the funding to address urgent operational costs and support the national carrier’s recovery.
The funding, announced following a Cabinet meeting at State House in Nairobi, is intended to help the airline meet pressing financial obligations, including aircraft maintenance and efforts to return grounded planes to service.
The approval marks a fresh intervention by the government, Kenya Airways’ largest shareholder, as the airline works to restore fleet capacity, strengthen its finances and pursue potential investment partnerships.

According to Reuters’ report on the Cabinet decision, the financing will be released in instalments under National Treasury oversight, with a repayment period of up to 10 years. The arrangement also allows for possible conversion into equity, subject to the required approvals.
Government targets aircraft availability and financial stability
A key priority for the new funding is to address aircraft maintenance requirements that have constrained the airline’s operational capacity.
Returning grounded aircraft to service could enable Kenya Airways to increase available capacity and improve operational flexibility. However, the Cabinet approval does not establish when individual aircraft will return to service or how quickly the funding will translate into additional flights.
The airline has previously identified global supply-chain disruptions and shortages of critical spare parts as factors affecting aircraft availability and operational reliability.
In its August 2026 financial results announcement, Kenya Airways reported that revenue increased by 9 per cent to Sh81 billion in the six months ended June 30, 2026, despite operating with 9 per cent less capacity.
The airline attributed the operating environment’s challenges partly to higher fuel costs and supply-chain constraints. It reported a loss after tax of Sh16.1 billion for the half-year, compared with Sh12.2 billion in the corresponding period a year earlier.
The latest financing is therefore intended to address immediate cash requirements while supporting the broader effort to improve fleet availability and financial resilience.
Sh122 billion in government loans targeted for restructuring
Beyond the fresh financing, Cabinet endorsed a proposal to convert approximately Sh122 billion in existing government loans, together with accrued interest, into an equity-qualifying tradable instrument.
The proposed restructuring is designed to strengthen Kenya Airways’ balance sheet and potentially improve its ability to attract new capital.
The measure is significant because the airline has been seeking strategic investors while considering options to restructure its debt and support its longer-term recovery.
However, the proposed conversion has not been completed. It remains subject to the necessary corporate, shareholder and regulatory approvals.
The government has not, through the reported decision, established that the new financing will automatically become equity or that prospective investors have committed funds under the arrangement.
A carrier under pressure to restore capacity
Kenya Airways remains an important link between Kenya and regional and international markets, supporting passenger travel, cargo transport, tourism and trade.
Its financial performance has nevertheless been affected by operating costs, aircraft availability challenges and the need to maintain its fleet.
The airline reported a net loss of Sh17.2 billion for the year ended December 2025, according to its 2025 annual report.
The government has framed the new funding and proposed debt restructuring as components of the carrier’s longer-term turnaround plan. The stated objective is to address immediate obligations while creating room for future capital raising.
The extent to which the intervention improves the airline’s financial position will depend on how the funds are deployed, the pace of aircraft restoration, operating-cost pressures and progress on the proposed balance-sheet restructuring.
Implementation remains subject to approvals
The Cabinet decision authorises a financing arrangement, but it does not by itself complete every step required to implement the measures.
The National Treasury is expected to oversee the release of the funds in tranches, while the proposed conversion of existing loans must proceed through the required approval processes.
Further details on the disbursement schedule, aircraft maintenance timelines and implementation of the debt restructuring will be important in assessing the impact of the intervention.
For now, the Sh45.4 billion financing provides Kenya Airways with an approved source of additional shareholder funding as it seeks to restore aircraft capacity, meet urgent obligations and advance its turnaround strategy.
News
Meet the Lawyer Who Rejected Chivayo’s US$350,000 Gift

Zimbabwean lawyer Advocate Dr Lewis Uriri has rejected a multimillion-shilling gift package from businessman Wicknell Chivayo, saying accepting the offer could compromise—or create the appearance of compromising—the independence expected of a legal practitioner.
Chivayo had announced plans to give Uriri a new 2026 Range Rover Sport Autobiography valued at about US$250,000, together with US$50,000 for fuel and another US$50,000 for Uriri’s wife.
Uriri declined the entire package.
Who Is Lewis Uriri?
Uriri is a Senior Counsel practising at Zimbabwe’s independent referral Bar and heads chambers at The Temple Bar in Harare.
According to Uriri’s professional profile, his practice covers commercial and corporate law, investment disputes, constitutional litigation, civil liberties and international arbitration.
He is also the founding president of the Zimbabwe Inns of Court and has been involved in legal education and professional training.
His international arbitration credentials include designation to the panels maintained by the International Centre for Settlement of Investment Disputes (ICSID).
Uriri began his legal career at Honey & Blanckenberg before becoming a partner at the firm. He later left private practice and joined Zimbabwe’s independent Bar.
He has also taught law at the University of Zimbabwe and has been involved in advocacy training and professional legal education.
Uriri’s Work in Politically Sensitive Cases
Uriri has represented clients in several high-profile Zimbabwean legal disputes.
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In 2018, he was part of President Emmerson Mnangagwa’s legal team when opposition leader Nelson Chamisa challenged the presidential election result. Contemporary reporting identified Uriri among Mnangagwa’s lawyers in the case, which was ultimately dismissed by Zimbabwe’s Constitutional Court.
Uriri has also represented Sengezo Tshabangu in litigation connected to the recall of opposition legislators and councillors affiliated with the Citizens Coalition for Change.
In one of the cases, Zimbabwe’s High Court barred recalled CCC candidates from contesting subsequent by-elections under the party’s name, according to reporting by CITE.
Despite his involvement in politically significant cases, Uriri’s professional profile describes a practice extending well beyond politics, including commercial transactions, constitutional law, investment disputes and international arbitration.

Why Uriri Rejected the Gift
The proposed gift came as a surprise to Uriri.
In his response to Chivayo, the lawyer said the two men had last spoken in June 2024 and that he had performed no professional work for Chivayo since then.
Uriri said any previous legal services had been performed in his professional capacity and paid for in full.
His concern was therefore not an outstanding legal bill but the professional implications of accepting a substantial personal gift after the professional relationship had ended.
Uriri referred to Zimbabwe’s legal-professional rules and international standards governing lawyers’ independence.
He said accepting such a large benefit could create the appearance of an ongoing obligation and potentially affect public confidence in his independence.
He therefore declined both the vehicle and the cash offered to him and his wife.
Zimbabwean publication ZimEye also reported on the rejection and quoted Uriri’s explanation of his decision.
The Earlier Vehicle
The latest controversy has also revived attention around an earlier vehicle reportedly connected to Chivayo and Uriri.
According to ZimLive’s report on the earlier episode, older videos appeared to show Uriri receiving a Land Rover Discovery purchased by Chivayo in 2024.
The report said the vehicle was valued at approximately US$110,000.
That earlier episode is separate from the September 2026 offer, and the circumstances surrounding the previous vehicle should not automatically be treated as evidence of wrongdoing.
Why Chivayo Is Known in Kenya
Chivayo has attracted considerable attention in Kenya because of his publicly documented interactions with President William Ruto.
In September 2026, Chivayo met Ruto at State House in Nairobi. According to Capital FM’s report, the businessman said their discussions included investment, infrastructure and economic development.
Chivayo has also announced plans to invest US$200 million in Kenya, describing the proposed investment as part of a broader infrastructure programme.
The reported investment pledge, however, is a claim by Chivayo; the reporting does not establish that the entire US$200 million programme has already been implemented.
His public association with Ruto has also attracted political attention in Kenya. Kenyan media have reported on Chivayo’s meetings with the president and his public statements about supporting Ruto.
That documented access does not, by itself, establish that Chivayo holds an official government position or has formal authority within Kenya’s political system.
A Question of Professional Independence
The dispute over the proposed Range Rover ultimately concerns more than the value of the vehicle or cash.
Chivayo presented the offer as recognition for legal work Uriri had performed in the past. Uriri viewed the same gesture through the lens of professional independence and public confidence in the legal profession.
His decision was therefore straightforward: he thanked Chivayo but declined the vehicle and both cash gifts.
The episode has nevertheless brought renewed attention to Uriri’s legal career, his involvement in politically significant Zimbabwean cases and Chivayo’s increasingly public business and political connections in the region.
Diaspora
What Kenyan YouTube Creators 5% Deduction Means as Google Moves to Enforce Tax Law

Is Kenya introducing a new 5 per cent tax on YouTube creators?
Not exactly.
The 5 per cent rate itself is not necessarily new. Kenya’s tax framework has for some time provided for withholding tax on income earned through digital content monetisation.
What has changed — and what is now causing anxiety among Kenyan YouTubers — is that Google is moving to collect the tax directly from their YouTube earnings.
Google has notified creators with AdSense for YouTube accounts based in Kenya that it will begin withholding 5 per cent Kenyan tax from their finalized YouTube earnings, starting with income earned in September 2026 and paid out in October.
The company has also told creators to provide and verify their Kenya Revenue Authority (KRA) Personal Identification Numbers (PINs) through AdSense by October 1, 2026.
For creators who have grown accustomed to seeing their full YouTube payout arrive in their accounts, the change could be noticeable from the next payment cycle.
And it has already triggered a broader debate about whether Kenya is taxing an industry that many young people built largely on their own.
So, what exactly is changing?
The simplest way to understand the announcement is this: the tax is moving closer to the point where the money is paid.
Previously, a Kenyan creator could receive their YouTube earnings through Google’s AdSense system and deal with their tax obligations separately.
Under the new arrangement, Google will deduct the applicable Kenyan withholding tax before the money reaches the creator.
Google says it is required to do so under Kenya’s Income Tax Act.
“Under the Kenya Income Tax Act, Google is required to withhold taxes on YouTube earnings paid to AdSense for YouTube accounts based in Kenya,” the company says in its tax guidance.
Google says the deduction will be made monthly from finalized YouTube earnings.
That means a creator with Ksh100,000 in finalized earnings would have Ksh5,000 withheld, leaving Ksh95,000 before any other applicable deductions.
For someone earning Ksh500,000, the Kenyan withholding would amount to Ksh25,000.
At Ksh1 million, it would be Ksh50,000.
The figures are simple, but for full-time creators who depend on YouTube for their livelihood, the impact could be significant.
Why Google is asking for KRA PINs
The KRA PIN requirement is central to the new arrangement.
Google has instructed affected creators to enter their Kenyan tax identification information into AdSense for YouTube.
This allows the platform to identify the taxpayer associated with the account and apply the required Kenyan withholding.
Creators who do not provide the requested information could face payment problems.
Google’s notification gives October 1, 2026, as the deadline for providing the Kenyan PIN.
The first affected income will be September earnings, which are generally paid in the following month.
In practical terms, that means October could be the first month when many creators notice that their YouTube payout is lower than expected.
But is every YouTuber losing 5 per cent?
Not necessarily in the way some social media discussions have suggested.
The 5 per cent Kenyan withholding is separate from possible U.S. tax withholding.
YouTube already requires creators outside the United States to submit U.S. tax information, and depending on the creator’s circumstances, U.S. taxes can apply to revenue generated from viewers in the United States.
Google makes clear that the Kenyan withholding will be applied alongside any applicable U.S. taxes.
That distinction is important.
It does not mean every Kenyan creator will automatically lose a fixed percentage to both countries.
The U.S. withholding depends on factors including the creator’s tax status and the portion of their earnings attributable to U.S. viewers.
Nevertheless, creators who already see U.S. tax withheld from their payments are understandably watching the new Kenyan deduction closely.
For them, another deduction from the same YouTube payout means less money available at the end of the month.
Why creators are pushing back
The strongest reaction has not necessarily been against taxation itself.
It is about what creators believe they are getting in return.
Kenya’s creator economy has expanded rapidly over the past decade.
YouTube channels now cover almost everything — news, comedy, music, politics, travel, education, religion, technology, food, sports and personal stories.
Some creators have turned their channels into small businesses, employing cameramen, editors, writers, researchers, social-media managers and other workers.
For many young Kenyans, digital content has also provided an alternative to an increasingly difficult formal job market.
That is why some creators believe the government should be doing more to support the sector before increasing the mechanisms used to collect revenue from it.
One creator quoted in reaction to the announcement argued that the government had offered little support to digital creators while they faced expensive equipment, data and production costs.
The argument is straightforward: if content creation is now recognised as a taxable industry, should it also be treated as an industry worthy of structured support?
That question is likely to become more prominent as the new withholding system takes effect.
Why KRA wants the money collected at source
From the government’s perspective, the move makes sense.
Digital income can be difficult for tax authorities to monitor when payments move between creators and international technology companies.
A Kenyan creator may have no physical office, no employees and no conventional payroll system.
Their business could consist of a YouTube channel, a smartphone, a camera, an internet connection and an AdSense account.
But the income can still be substantial.
By having Google withhold the tax, KRA does not have to rely entirely on individual creators to declare their YouTube income after receiving it.
The platform effectively becomes part of the collection system.
That also creates a clearer link between the money being paid, the person receiving it and the taxpayer’s KRA PIN.
For the government, that means greater visibility into a sector that was once relatively difficult to track.
A growing digital media market
The timing is significant because Kenya’s digital audience has expanded dramatically.
The Reuters Institute’s Digital News Report 2026 highlights the growing importance of social platforms in the country’s media environment, with YouTube increasingly becoming an important source of news and information.
That growth has created an ecosystem in which individual creators can sometimes reach audiences larger than those of traditional media outlets.
A successful YouTuber can attract millions of views without owning a television station, printing a newspaper or operating a radio frequency.
That is precisely what makes the sector attractive — and increasingly important to tax authorities.
What creators should do
For creators who have received Google’s notification, the immediate issue is compliance.
They should log into their AdSense for YouTube account and check their tax information.
The KRA PIN submitted should be accurate and correspond with the taxpayer details associated with the account.
Creators should also understand that the revenue displayed in YouTube Analytics is not necessarily the final amount on which the deduction will be calculated.
Google says the withholding applies to finalized YouTube earnings.
Creators who operate businesses around their channels may also want to review their tax position with a qualified professional, particularly if they have employees, business expenses, foreign income or U.S. tax withholding.
The bigger issue goes beyond YouTube
The most important part of Google’s announcement may ultimately have little to do with YouTube itself.
It signals how Kenya is adapting its tax system to an economy in which people increasingly earn money through global digital platforms.
YouTube is only one part of that economy.
Kenyan creators also make money through TikTok, Facebook, Instagram, podcasts, newsletters, sponsorships, affiliate marketing and other online businesses.
As these income streams become more valuable, governments around the world are looking for ways to bring them into the tax system.
For creators, that creates an uncomfortable reality.
The same internet that allowed them to build businesses without waiting for traditional institutions to give them a job is now making their income easier for governments and platforms to identify.
The debate, therefore, is unlikely to end with the first Ksh5,000 deduction.
It is likely to become a much larger conversation about taxation, regulation and government support for Kenya’s creator economy.
For now, however, the immediate deadline is clear.
Google wants Kenyan creators using AdSense for YouTube to provide their KRA PINs by October 1, 2026, while the first 5 per cent Kenyan withholding is expected to apply to September earnings paid out in October.
For a creator earning Ksh100,000, that means Ksh5,000.
For someone earning Ksh1 million, it means Ksh50,000.
And for an industry that has spent years building itself largely outside the traditional media establishment, that first deduction could mark the beginning of a very different relationship between Kenya’s creators, Google and the taxman.
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