Nairobi, March 28 -- Every year, Kenyans living abroad send hundreds of billions of shillings home using non-inclusive banking and financial services. For most, they have no choice but to make do with the available system.

David Wachira, however, after years of experiencing first-hand the challenges of immigrants, decided to find a solution.

"I started Waya-to empower immigrants with banking and other financial services," says Dr Wachira, the CEO of the digital banking and financial services start-up.

Before the entrepreneurship bug bit him, he had a plum job at the World Bank in the US as an analyst. Before his tenure at the World Bank, Dr Wachira was a public policy and finance instructor at Southern Methodist University and a teachi...