

Technical
PledgeCircle is a proposed mobile-first fundraising platform that digitizes Uganda’s communal giving practice (Ekibina). By combining USSD/SMS with WhatsApp Business API, it aims to provide a secure, transparent, and scalable system for managing community funds. The model enhances financial inclusion, addresses inefficiencies and security risks, and supports the digital transformation of informal financial ecosystems in Sub-Saharan Africa.
This publication explores advanced approaches to fraud detection in Uganda’s fintech sector, focusing on the integration of machine learning, behavioral biometrics, and risk assessment frameworks to strengthen financial security. It analyzes transaction patterns, user behavior, and system vulnerabilities to design predictive models capable of identifying anomalies in real time.