Raymond Peter Kiwanuka is the Managing Director of Kray Microfinance, where he is leading a bold digital transformation agenda to expand access to affordable financial services for everyday Ugandans. With a mission to make financial growth accessible to all, he has positioned Kray as one of Uganda’s emerging digital-first microfinance institutions. Raymond has also championed inclusive products enabling thousands to build wealth through disciplined saving and micro-investment. His leadership and contribution to digital financial inclusion have earned him recognition, including being named the 2024 Entrepreneur of the Year Alumnus by St. Lawrence University and receiving two Excellence Awards from the HiPipo Foundation for his impact in advancing inclusive finance and digital innovation.