The Speakers

Mr. Akapelwa Imwiko, Acting Permanent Secretary - Economic Management & Finance, Ministry of Finance, The Republic of Zambia

Eunice is a distinguished business professional with extensive experience as a board director and chair for both private and publicly listed companies, as well as a former commercial banker.

With over 25 years of experience in commercial financial services, leadership, and executive coaching, Eunice has held significant senior roles in the corporate sector, including positions at Absa Bank Kenya PLC, Barclays Bank Head Office in London, and Barclaycard International.

Her areas of expertise encompass corporate financial services, SME business advisory, professional development in soft skills, governance, and the execution of commercial strategies.

As the Founder and CEO of Etiquette Xllent Company Ltd, Eunice leads a professional training and coaching firm that specializes in soft skills development for corporate organizations, foreign services, diplomats, and government ministries. Her mission is to empower individuals and organizations to distinguish themselves in a competitive marketplace.

Eunice also serves as an Executive Coach at Strathmore University Business School. Previously, she was a Business Advisor for the Goldman Sachs 10K Women program at the United States International University (USIU) Africa, providing business coaching and advisory services to entrepreneurs.

Her strong governance and leadership credentials are reflected in her current roles as a Non-Executive Director at Kenya Commercial Bank (KCB Bank) Kenya Ltd and KCB Investment Bank, as well as Independent Director at Kenya Reinsurance Corporation Ltd Plc and Kenya Re Zambia. Additionally, she is the Chairperson of the Kenya Association of Women Business Owners, which supports women led SMEs, and serves as Vice Chairperson of the Women Corporate Directors, Kenya board, the largest global network of women board directors. Eunice is also a Board Member of One-Girl-Can, an NGO dedicated to supporting bright girls from disadvantaged backgrounds, and a Vital Voices Leadership Fellow. Until recently, she held Independent and Non-Executive Director positions at CIMERWA Plc in Rwanda and The Foschini Group (TFG) Plc in South Africa.

Eunice holds a Master of Science (MSc) in Marketing from the University of Glamorgan, Wales, UK, a Postgraduate Diploma in Marketing from the Chartered Institute of Marketing (CIM) in the UK, a Diploma in Executive Coaching from the AoEC in the UK, and is a member of the Chartered Institute of Bankers (CIB). She is certified Clarity4D Personality Assessment practitioner and certified Lumina Spark Behavioral Assessment Practioner. .

In addition, she holds a number of professional development qualifications that include Women Directors Leadership, Cranefield University UK & Strathmore University Business School, Nairobi, Kenya; Women Entrepreneurial Leadership Program, Babson College, Boston, USA; Economic Empowerment of Women, MCTC, Mashav Israel, Public Policy & Advocacy, Danida among others.

As a highly sought-after speaker and coach, both locally and internationally, Eunice leverages her expertise in leadership coaching, corporate governance, and professional soft skills to create a significant impact on individuals and organizations alike.

Eng. Collins Mbulo serves as the Director General of the ZICTA. He is a distinguished engineering professional and leader with over 19 years of experience in ICT regulation, telecommunications, and digital transformation. He has led multidisciplinary teams at national and international levels and served in key leadership roles within the International Telecommunication Union (ITU), including as Vice Chair of Study Group 12 of the International Telecommunication Union at both global and Africa regional group level on Quality of Service and Standardisation. He combines strategic insight with practical expertise to advance inclusive, sustainable and digitally empowered societies.

 He holds a Master of Laws (LL.M) in Information Technology and Telecommunications from the Open University of Tanzania and a Bachelor of Engineering in Electronics and Telecommunications from the University of Zambia. He is a Fellow of the Engineering Institution of Zambia (EIZ) and a member of the Institute of Directors (IoD).

Under his leadership, ZICTA is advancing Zambia’s digital transformation agenda through strategic ICT infrastructure development, spectrum reform, and strengthened regulatory frameworks that foster a connected and inclusive digital economy.

Chief Executive Officer, Bestlife Insurance Limited

Christabel Michel is a seasoned Business executive with over 25 years of experience in Insurance, Finance and Audit profession. She is a Chartered Accountant and a Chartered Insurer. She is a Fellow of the Insurance Institute of Zambia, the Zambia Institute of Chartered Accountants, and a fellow of the Institute of Directors and a Certified Corporate Governance Trainer.

She has held several high profile executive and non executive roles in the Public and Private sector, locally and internationally, including Managing Director of ZSIC Life Plc, Board Chairperson of Zep Re a Comesa entity, Board Chairperson of National Road Fund Agency, Board member of Kenya Reinsurance Zambia and many others. Christabel was instrumental in establishing the Secretariat of the Insurers Association of Zambia and served as its first Executive Director, later becoming its President.

She is currently the CEO of Bestlife Insurance Limited and Board Chairperson of NAPSA Hospitality Investments Limited. 

Mwangala Mwiya is the Chief Executive Officer and Co-Founder of Hobbiton Technologies, a fast-growing Zambian technology company building innovative digital products for Africa’s financial and insurance sectors. Under his leadership, Hobbiton has launched and powered groundbreaking platforms including Inshuwa, a Pan-African InsurTech platform; Gari, a motor insurance platform; Lipila, a seamless digital payment solution; Patumba, a savings and investment platform and Lipila.Later - Zambia’s first Buy Now, Pay Later platform.

He is known for his visionary approach to accessible and inclusive technology, driving products that simplify financial services while delivering real impact for consumers, agents, and enterprises. Mwangala has positioned Hobbiton Technologies as a trusted technology partner to major insurers, mobile money operators, and financial institutions across Zambia and the region.

A passionate advocate for digital innovation, he continues to lead Hobbiton’s mission to build scalable, practical, and locally-driven tech solutions that shape the future of African fintech and InsurTech.

Executive Director – Insurers Association of Zambia (IAZ)

Dr Nkaka Mwashika is the Executive Director of the Insurers Association of Zambia. He holds a Doctorate in Business Administration in Finance and Private Equity Investment and a Post-Doctoral Certificate in Artificial Intelligence: Business Strategies and Applications from Binary University, Malaysia, as well as an MBA from Heriot-Watt University, UK.

With over two decades of senior leadership experience in pensions, insurance, and financial services, Dr Mwashika has served in key roles including Pension Finance Manager at the Bank of Zambia, Chief Executive Officer, Chief Financial Officer, and Head of Finance and Investment in leading pension trust funds and insurance companies. His expertise spans finance, investments, risk advisory, treasury operations, and InsurTech.

Professional Designations: DBA, MBA, FCCA, FZICA, MATT, ATD, MFC, Cert AI.

Born and raised in Zambia, Lowani Chibesakunda’s enriching Citi career begun 25 years ago. Currently, Citi Zambia CEO for past 5 years. She has held various leadership positions within Citi Zambia in Corporate Banking and Operations. Her previous role for 3 years had been Corporate Bank Head for Citi Zambia. She has also had the privilege of working in other Citi presence counties such as South Africa, China and the United Kingdom

Lowani, prides herself in being a strong advocate of leading by coaching, mentoring and in having strong customer relationship skills. Her focus on customer relationship emanated from covering Multinational, Public Sector, Non-Profit and Top Tier Local Corporates.

Lowani holds an MBA from Heriot-Watt University, degree in Financial Services from the University of the West of England Bristol, Certificate in Banking from the Chartered Institute of Bankers –UK, diverse Certificates from Wharton School University of Pennsylvania, MIT Sloan School of Management, Berkely University, and Yale School of Management.

Lowani is enthusiastic about positive impact to the business community and education hence is currently the Chairperson of the Bankers Association of Zambia and board member of Baobab College & Scared Heart of Jesus School. She is also a past President of the American Chamber of Commerce in Zambia.

In her spare time, Lowani is an ardent gardener and values family time.

Musa Wesutsa is a visionary leader in information security, artificial intelligence, data protection and compliance, with deep expertise in navigating Africa’s evolving tech landscape. As the Group CEO and co-founder of Sentinel Africa Consulting and Sentinel Africa Training Institute, Musa combines technical knowledge with real-world implementation expertise, guiding organizations through ISO certifications and building robust security frameworks.

With over 15 years of experience and a strong portfolio of credentials, including the Stanford Seed Transformation Program, ISO/IEC 27001 Master, and ISO 42001 Lead Implementer, Musa brings a rare blend of technical depth and strategic foresight, enabling executives to bridge the gap between automation, innovation, compliance and profitability. His recent work focuses on embedding Artificial Intelligence (AI) into business operations through practical governance frameworks that ensure both value creation and ethical alignment.

At the Kenya Re CEOs Summit 2025, Musa will unpack how African leaders can move beyond the AI hype to build practical, context-aware AI strategies that deliver measurable business outcomes, from operational efficiency and data-driven decision-making to customer trust and competitive differentiation.

Andrew Chuma is the Airtel Money Managing Director.

Lillian T. Mutwalo is an award-winning Senior Executive and influential leader in Africa’s telecommunications, infrastructure, and banking sectors, recognized for her strategic vision and transformative impact. A 2022 Zee Woman in Tech Award recipient and 2023 Finalist Nominee for the Women in Telecom Awards (World Communications Awards), Lillian boasts over two decades of cross-industry expertise in driving large-scale projects, shaping customer-centric strategies, and propelling organizations to achieve significant revenue growth.

Currently serving as the Founding Managing Director of Bayobab Zambia - a Pan-African company offering digital wholesale and infrastructure services, she has been instrumental in building a robust digital ecosystem, overseeing the rollout of 7,500+ kilometers of fiber infrastructure and strategically directing a USD 35 million equity investment to advance Zambia’s position as a thriving digital transit hub. Under her leadership, Bayobab Zambia has clinched multiple accolades, including Best Start-up Company, Tech Deal of the Year, Best Rebrand of the Year, and Best Partnership of the Year, testaments to her ability to unite innovation, operational excellence, and collaborative partnerships in pursuit of sustainable growth.

Her LinkedIn Profile - https://www.linkedin.com/in/lillian-mutwalo-a236ba2b/ 

Violet Kapekele is an Insurance Professional with over 28 years of experience in both the public and private sectors. She currently serves as the Inclusive Insurance Manager at Hollard Insurance Zambia, where she leads nationwide efforts to expand innovative and accessible insurance solutions.

A Microinsurance Master since 2019, Violet completed the acclaimed accelerator and leadership program in inclusive insurance at Pioneer Insurance in the Philippines. This training strengthened her capacity to design, implement, and scale inclusive insurance solutions for underserved communities.

Violet possesses extensive expertise in innovative and unconventional inclusive insurance models tailored for the Zambian market. For the past four years, she has headed the Inclusive Insurance Department at Hollard, where she has forged impactful partnerships with key organizations supporting financial inclusion and MSME-focused insurance initiatives.

Her work extends deeply into farmer engagement at the country level. Violet has led and facilitated multiple nationwide programs that bring insurance education, awareness, and tailored products directly to farming communities. She has collaborated with farmer cooperatives, agro-associations, government agencies, and development partners to ensure smallholder farmers across Zambia gain access to relevant and affordable risk-management tools. Her outreach includes field trainings, community mobilization, product sensitization, and working closely with stakeholders to integrate insurance into agricultural value chains.

Although based in Lusaka, Violet travels extensively across Zambia—crossing boundaries and reaching remote communities—to fulfill her mission: ensuring insurance reaches the unreached.

She holds a Bachelor’s Degree in Insurance & Pensions Management from the University of Lusaka.

Kelvin Chikomo serves as the Managing Director for cGrate International. Kelvin has been part of the cGrate journey since 2008, a journey that started with the humble selling of talktime.  cGrate now serves as the biggest bill payments aggregator in Zambia. 

Some key achievements from Kelvin being the rollout of the 543 Konse Konse brand in Zambia with a network of over 9000 agents processing bill payments, inter-operable agency banking for all banks and mobile money operations, card and mobile money payments. Besides the rollout of the 543 Konse Konse brand, Kelvin has spearheaded the mobile banking rollout for various financial institutions such as Stanbic Bank Zambia, Indo Zambia Bank (IZB), Bayport, MFinance and Zanaco's Xapit prior to joining cGrate. 

Kelvin has been part of cGrate's many firsts such as the rollout of WhatsApp Banking in 2019, payment of tax using WhatsApp in 2020 and self-service payments solutions in 2025. Kelvin has a strong passion for African solutions by Africans, this serves as his North star in his personal purpose to improve the lives of fellow African people.

Chabala Lumbwe

Maiwase is a seasoned risk and business management executive that has worked in the financial sector for the past 21 years with over 19 of those being in the Insurance Industry. 

Maiwase started her career in insurance working as an insurance broker with Aon Limited in the UK and in her last role held the position of Head of Operations at Liberty Life Insurance Zambia. 

She is a Law Degree holder, which she obtained from the University of Manchester and has a Master of Business Administration from the University of Cape Town. She also holds Post Graduate Diplomas in Management from Henley Business School and Teaching Methodology from the University of Zambia. 

Maiwase is an Associate and a Chartered Insurer of the Chartered Insurance Institute (UK) and has an Advanced Diploma in Insurance from the Institute. She is also a Fellow of the Insurance Institute of Zambia and an Associate of the Chartered Institute of Arbitrators (UK & Zambia).