With a degree in finance and accounting, he combines his knowledge with technology to provide digital banking services to his customers, contributing to financial inclusion in Africa.

Tanzanian entrepreneur Victor Joseph (photo) is the CEO of Tembo, a startup that offers digital banking services across Africa. Established in 2020, Tembo enables customers to manage their finances, make secure investments, and save, integrating and launching financial products.

Tembo, positioned as a business partner, provides essential technology tools to integrate and launch programmable payment collection, card, wallet, and bank account services across Africa. Its business partners include major players such as fintechs, e-commerce companies, digital banks, mobile money operators, and digital lenders. Licensed by the Central Bank of Tanzania and with other regulatory approvals, the startup aims to expand its influence across East and West Africa.

Its CEO, Joseph, is a graduate of the University of Dar es Salaam with a Bachelor’s degree in Finance and Accounting. He also holds a master’s degree in business strategy and entrepreneurship from Cardiff University, Wales, obtained in 2019. 

Prior to founding Tembo, Joseph had already left his mark on the Tanzanian entrepreneurial ecosystem with his previous initiatives. In 2011, he launched Beeble Technologies, a web design and digital marketing agency. In 2015, he founded Tango TV, an on-demand internet streaming media platform. From 2011 to 2018, Joseph successfully led the Universities Entrepreneurship Challenge, an initiative to support and encourage entrepreneurship among African students.

Joseph’s achievements have been recognized, with accolades such as Tango TV’s inclusion among the top 30 emerging technology startups in Africa by Demo Africa in 2015.

Melchior Koba