Kenya's First AI Cabinet Secretary for Cooperatives & MSMEs

Baba AI is a financial technology startup incorporated in Kenya by the Registrar of Companies (BN-DLSK9KMK). We leverage technology to offer financial solutions. Banking The Unbanked. Transforming 7.4 Million MSMEs.

7.4M
MSMEs Invisible
KES 27.6B
Trapped Annually
46
Calls Ignored
Join the Revolution See How It Works
Baba AI Platform
Business Registration 5 mins ✓
eKYC Verification Instant ✓
Financial Training AI-Powered ✓
Credit Scoring Real-Time ✓
Chama Management Automated ✓
The Promise That Started It All

We Came Prepared. They Said "Hot Air."

Multiple meetings with the Cabinet Secretary for Cooperatives & MSMEs Development. Solo and with my entire team. We came with solutions. We came with data. We came with partnerships that could save billions.

The meetings? "Hot air appointments that never were." After these photos, we made 46 more calls. Sent 14 more emails. Made 12 more visits.

Zero responses. That's when we knew—building with government is impossible. Building WITHOUT government is the only way.

Baba AI Founder meeting with Cabinet Secretary for Cooperatives & MSMEs
One-on-One Meeting: Presenting Solutions
Baba AI Team with Cabinet Secretary for Cooperatives & MSMEs
Full Team Meeting: Professional Delegation

The Pattern: Whether solo or with a team, the result was the same. Access granted. Solutions presented. Then silence. This isn't about us—it's about a system designed to say no.

From Rejection to Revolution

I Dropped Out of MIT to Build What Government Couldn't

After 46 ignored calls, I made a choice: Stop asking permission. Start building the solution.

Every rejection taught me something. Every ignored email was a data point. Every blocked partnership showed me what needed to be built. MIT taught me how to code. Government rejections taught me what to code.

These lines of code are the algorithm that will revolutionize Kenya's 7.4 million MSMEs. M-Pesa credit scoring. AI-powered training. Real-time monitoring. 8-language accessibility. What took government 50 years to fail at, this algorithm does in minutes.

Government said no. MIT said finish your degree. I said: Kenya can't wait. I'm building it now.

Baba AI Founder coding the algorithm after dropping out of MIT
Writing the algorithm that will replace the system that said no
Baba AI Founder coding the algorithm after dropping out of MIT
Writing the algorithm that will replace the system that said no
MIT
AI/ML Training
Stanford
GSB Entrepreneurship
46
Rejections = Research
NOW
Building the Solution
The Crisis

They Said No. 46 Times. That's When I Knew—The System Must Be Replaced

46 calls. 14 emails. 12 visits. 3 proposals. 4 government rejections. Zero responses. KES 27.6 billion trapped while 7.4 million entrepreneurs suffer. Every rejection was research. Every blocked door was a data point. This is personal.

Founder making calls to Youth Enterprise Development Fund that were declined

Call After Call. Rejection After Rejection.

This is what persistence looks like when the system is designed to say no. Youth Enterprise Development Fund. Women Fund. Cabinet Secretary. 46 calls. Zero responses. One person can trap billions. And there's no appeal.

💼

Rejection #1: Multi-Million Shilling Partnership Blocked

Equity Bank partnership worth millions. Ready. I pitched at Equity Bank headquarters and Equity Group Foundation. They said: "We're ready to deploy. Just get government approval."

The Roadblock: One bureaucrat at Nairobi County Social Services. Her silence blocked everything. 8 weeks. 7 calls. 2 emails. Zero response.

Result: 500-1,000 MSMEs denied opportunity. KES 50-100M trapped. 2,000 jobs never created. One person's silence = Millions in lost opportunity.

Baba AI Founder at Equity Bank Headquarters after partnership pitch

At Equity Bank HQ after securing the partnership—before one bureaucrat blocked it all

After Equity Bank deal was blocked, founder met with team to build the algorithm

TOP: Pitching the solution to stakeholders
BOTTOM: After the rejection—team strategizing to build the algorithm that replaces her

What Happened Next:

After securing a deal with Equity Bank, the social services boss from Nairobi County denied MSMEs this opportunity. So I met with my team to brainstorm, strategize, and build an algorithm to replace her.

That's when we stopped asking permission and started building the solution.

Baba AI Founder making calls to Women Enterprise Fund and Youth Fund

Making the calls that went unanswered. 27 calls. 14 emails. 5 visits. KES 6.8B trapped while MSMEs suffer.

💰

Rejection #2 & #3: KES 6.8 Billion Trapped in Youth & Women Funds

Youth Fund: KES 6B allocated, only 35% disbursed (KES 3.9B trapped). 15 calls + 8 emails + 3 visits = IGNORED.

Women Fund: KES 4B allocated, only 28% disbursed (KES 2.9B trapped). 12 calls + 6 emails + 2 visits = IGNORED.

Total: KES 10B allocated. Only KES 3.2B disbursed (32%). KES 6.8 BILLION sitting idle annually.

Result: Billions trapped while MSMEs borrow from shylocks at 20% monthly interest. Government has the money. Government won't deploy it.

🚪

Rejection #4: Escorted Out by Security

7 visits to NSSF Building. 40-page proposal to save KES 13B from Hustler Fund defaults (37% default rate). Cabinet Secretary walked past me. 5 meters away. Security stood up. I was escorted out. Three "connected" people walked straight in.

👩

Mama Njeri's 3-Month Nightmare

Kawangware seamstress. Needs KES 150K for sewing machines. 12 office visits. KES 7,000 in bribes and transport. 3 months trying. Still no certificate. Final decision: Shylock loan at 20% monthly. KES 30K/month interest on KES 150K borrowed.

⚙️

This Is Design, Not Incompetence

The system is designed to move slowly (so you give up), stay opaque (so you can't track), require connections (so you feel powerless), and block solutions (so incumbents stay safe). One person can trap billions. And there's no appeal.

✅

September 2025: The World Proved It Works

Albania appointed the world's first AI Minister. Real. Working. Deployed. 1M+ interactions. Zero corruption. 100% transparency. 24/7 availability. Instant responses. It worked. Not because AI is magic—because the system was broken, and AI couldn't be corrupted.

Even The Government Agrees

First Lady Mama Rachel Ruto: "The Challenge Isn't Lack of Ideas. It's Lack of Access to Capital."

First Lady Mama Rachel Ruto at JOYWO meeting addressing women MSME challenges

First Lady Mama Rachel Ruto at JOYWO meeting addressing the financial capital crisis facing women MSMEs in Kenya

The First Lady Said It:

"The challenge facing women MSMEs in Kenya is not lack of business ideas but lack of access to financial capital."

— First Lady Mama Rachel Ruto, JOYWO Meeting

The Problem is Clear:

✅ KES 6.8 Billion trapped in Youth & Women Funds annually
✅ Only 32% of allocated government capital reaches MSMEs
✅ 7.4 Million entrepreneurs locked out of formal credit
✅ 83% have no access to financial capital

Baba AI is The Solution

Since capital is trapped in government banks, we built the AI system to deploy it—100% of funds, zero bureaucracy, instant access.

The President's Vision vs. The System's Reality

When President Ruto Launched Hustler Fund, The Mission Was Clear. The System Failed.

President William Ruto launching Hustler Fund to empower MSMEs through bottom-up economic model

President William Ruto launching Hustler Fund—one mission: empower MSMEs through bottom-up economic model

The President's Vision

When President William Ruto launched the Hustler Fund, he had one mission: Empower MSMEs through a bottom-up economic model.

Financial inclusion. Accessible credit. Breaking the shylock cycle. Transforming Kenya's 7.4 million invisible entrepreneurs.

The System's Reality

❌ 37% Default Rate (should be under 10%)
❌ KES 13B Lost Annually to preventable defaults
❌ Zero Financial Training before credit access
❌ Broken Feedback Loop (no real-time monitoring)
❌ Same Old System with a new name

Baba AI Fixes What The System Broke

Mandatory training before credit. AI credit scoring. Real-time monitoring. 8-language accessibility. M-Pesa integration.

The vision was right. The execution failed. We built the system that delivers on the President's promise.

Global Proof: AI Government Works

Albania Did It First. Kenya Goes Bigger.

In September 2025, Albania became the first country in the world to appoint an AI as a government minister. Not fictional. Not experimental. Real. Working. Deployed.

Albania's AI Government Minister - World's first AI in government

Albania's AI Minister: Proven Results

✅ 1M+ Government Interactions (vs 50K for human bureaucrats)
✅ 100% Transparency (vs endemic corruption)
✅ 24/7 Availability (vs 9-5 with lunch breaks)
✅ Zero Bribes (vs "coffee money" culture)
✅ Instant Responses (vs "call next week")

Why It Worked

Not because AI is magic. Because the system was broken, and AI couldn't be corrupted.

Kenya's Baba AI Goes Further:

Albania: AI for procurement (limited scope)
Kenya: AI Cabinet Secretary for 7.4M MSMEs & 300K Chamas

Full ministerial powers: Registration, Training, Credit Scoring, Fund Deployment, Real-Time Monitoring, 47 County AI Deputies

The Question Isn't: Can This Work?
(Albania proved it does.)

The Question Is: Who's Building The Future of MSME Finance in Kenya?

The Revolution

Every Government Has Ministers. Kenya Gets The One That Works

Following Albania's proven AI governance model, Kenya's BABA AI goes bigger: Full Cabinet Secretary powers for Cooperatives & MSMEs Development. Registration. Training. Credit. Monitoring. County Deputies. The system government should have built—but AI built better.

Accessible to Every Kenyan, Everywhere

📱

Mobile App

Android & iOS
Full features

📞

USSD Code

*XXX#
No smartphone needed

💻

Website

www.babaai360.com
Desktop access

100% Accessibility: Whether you have a smartphone, feature phone, or computer—BABA AI meets you where you are.

01

Instant Business Registration (5 Minutes, Not 8 Weeks)

Access via 3 platforms: (1) Mobile App (Android/iOS), (2) USSD Code (*XXX#), (3) Website (www.babaaikenya.com) - ensuring 100% accessibility regardless of device or internet connectivity.

Download app or dial USSD. Scan national ID (eKYC). Enter business details. AI verification. Certificate issued—digital, instant. Zero visits vs 3-7 trips. Zero bribes vs KES 500-5,000. 95% success vs 40%. Target: 3M MSMEs registered by Year 5.

02

Intelligent Fund Allocation (Merit-Based, Not Favor-Based)

AI evaluates 47 criteria: business track record (M-Pesa history), chama stability, repayment capacity, training completion. Decision automatic if score >650. Result: 100% of government funds deployed (vs 32% currently). Deploy KES 6.8B annually trapped in Youth/Women funds.

03

Mandatory Financial Training (No Credit Without Training)

Current Hustler Fund: 37% default rate (KES 18.5B at risk). Root cause: Zero training. BABA AI solution rolls out in 3 phases:

v1.0 (Months 1-6): Text-based training via USSD/WhatsApp in 8 languages (English, Swahili, Kikuyu, Luhya, Luo, Kalenjin, Kamba, Somali). Basic budgeting, loan terms, repayment discipline. 2-4 hours completion time.

v2.0 (Months 7-12): Voice + Founder Avatar. Interactive voice calling (IVR) with founder's trusted voice. Real scenarios addressing actual MSME challenges. Gamification rewards for completion.

v3.0 (Year 2): Full Voice AI across all 8 languages. Conversational AI with real-time Q&A. Adaptive learning customized to MSME type and industry.

Result: No credit access without training completion. Projected defaults: 37% → 8%. Save KES 16.5B.

04

AI Credit Scoring (M-Pesa Powered Innovation)

Banks: 20% coverage (formal sector only). Shylocks: 20% monthly (only option for 80%). BABA AI: Analyzes M-Pesa history, chama payment patterns, business cash flow, repayment simulation. Score: 300-850. Result: 99% coverage vs 20%. 5M first-time borrowers enabled. 8% annual vs 20% monthly interest.

05

Real-Time Monitoring (Prevent Defaults Before They Happen)

Live dashboards for SACCOs. Payment tracking. Risk alerts: "This MSME is trending toward default." AI predicts default 30 days early (85% accuracy). Trigger automated intervention: SMS reminder, grace period, coaching, alternative repayment schedule. Result: 3x better repayment rates. Defaults prevented, not punished.

06

County AI Deputies (World-First Scaling)

47 County AI Deputies (one per county). Each monitors: MSME legislation, fund allocation compliance, success metrics, policy recommendations. Real-time alerts: "Nakuru County deployed only 20% of allocation." First globally: AI directly advises county governments. Result: Consistency, speed, accountability across all 47 counties.

Proof of Concept

Not Just Theory. We're Already On The Ground.

Partnership with Equity Bank & Equity Group Foundation officials to pilot financial literacy, entrepreneurship skills, and table banking training with real MSMEs and chamas across Nairobi. This is what we do—before the AI scales it to millions.

⭐ FEATURED: THE MAMA NJERI STORY ⭐

Kakikakiga Women Group

Dagoretti North, Kawangware - The Group That Inspired BABA AI

Mama Njeri's Kakikakiga Women Group Training

The Story

This is Mama Njeri's group. 23 women seamstresses in Kawangware who needed KES 150,000 for sewing machines. They tried government registration for 3 months. 12 office visits. KES 7,000 in bribes and transport. Still no certificate.

What We Did

We trained them in Financial Literacy, Entrepreneurship Skills, and Table Banking. Not through government bureaucracy—through direct education and partnership with Equity Bank & Equity Group Foundation.

Why This Matters

Mama Njeri's struggle is why BABA AI exists. Every ignored call. Every blocked door. Every rejection. They all led to this moment—training the very women the system failed.

Now we scale this solution to 7.4 million MSMEs.

23 Women. Kawangware. Seamstresses.
The group that proved government failure. The group that validated our solution. The group that sparked a revolution.

Additional Pilot Chamas

3 more groups proving the model works across different Nairobi communities

Peer Educators Team CBO Embakasi Training

Peer Educators Team CBO

Location: Embakasi S., Njenga, Mukuru Kwa Njenga Slums

Members: 36 small businesses

Training MSMEs in Financial Literacy, Entrepreneurship Skills, and Table Banking to investment groups (Chamas) before funding them.

Friendship Chama Roysambu Training

Friendship Chama

Location: Roysambu, Kahawa West, Kongo

Members: 27 small businesses

Training MSMEs in Financial Literacy, Entrepreneurship Skills, and Table Banking to investment groups (Chamas) before funding them.

Shalom Sisters Kasarani Training

Shalom Sisters

Location: Kasarani Constituency, Clay City

Members: 23 small businesses

Training MSMEs in Financial Literacy, Entrepreneurship Skills, and Table Banking to investment groups (Chamas) before funding them.

109 MSMEs Trained. 4 Chamas Transformed.

This pilot programme with Equity Bank & Equity Group Foundation proves our model works. Real entrepreneurs. Real training. Real results. From Mama Njeri's Kawangware seamstresses to groups across Nairobi—now we scale it with AI to reach 7.4 million MSMEs across Kenya.

The Opportunity

This Isn't Just Business. This Is Justice.

For 50 years, governments promised to help MSMEs. Promised to fight corruption. Promised to include the invisible. Every year, the same person blocks the same door. Now we build a system that doesn't need him to be good. That system is BABA AI.

3M
MSMEs Registered (Year 5)
KES 890B
Market Opportunity (TAM)
5M
First-Time Borrowers
5-8x
ROI in 5 Years
Content Creators Partnership

For The First Time: Content Creators Will Own Shares in a Company

The founder is a TikToker who understands the power of content creators. We're offering partnership opportunities for creators across Kenya to join the Baba AI revolution—not just as promoters, but as shareholders.

Why Partner with Baba AI?

📱

Create Content

Tell the Baba AI story. Share our mission. Help Kenya's 7.4M MSMEs discover the solution.

💼

Own Equity

First time in Kenya: Content creators become shareholders. You're not just promoting—you're building equity.

🚀

Build Together

Join a movement that's replacing broken systems. Banking the unbanked. Transforming 7.4M lives.

Who We're Looking For

✅ TikTokers, YouTubers, Facebook creators, Twitter/X influencers
✅ Passionate about financial inclusion and MSMEs
✅ Ready to create authentic content about Baba AI's mission
✅ Want to own shares in a fintech revolution

Apply to Partner with Baba AI

This is your chance to be part of something historic. Apply now:

📱 Apply via WhatsApp ✉️ Apply via Email

"As a TikToker myself, I know the power of content creators. Let's uplift the creator community together—not just with money, but with ownership."
— Joseph AI Msanii, Founder & CEO

Join the Team

Tech Engineers Internship: Build the Future with Us

Join this revolutionary tech startup to build the future. We're recruiting passionate tech engineers who want to create AI-powered solutions that transform 7.4 million lives.

What You'll Build

  • 🚀 AI/ML Algorithms - M-Pesa credit scoring, real-time monitoring
  • 📱 Mobile Apps - Android & iOS for 7.4M MSMEs
  • 💻 Web Platform - Full-stack development (React, Node.js)
  • 📞 USSD Integration - Feature phone accessibility
  • 🗣️ Voice AI - 8-language conversational training
  • 🔐 Security & Compliance - eKYC, data protection

What You'll Gain

  • 💡 Real Impact - Your code transforms millions of lives
  • 🎓 Mentorship - Learn from MIT/Stanford-trained founder
  • 🛠️ Tech Stack - AI, ML, React, Node, Cloud, APIs
  • 📈 Portfolio - Build fintech at scale in Kenya
  • 🤝 Network - Work with banks, SACCOs, government
  • 🚀 Career Launch - Top performers join full-time

Who Should Apply?

✅ Computer Science, Software Engineering, IT students or recent graduates
✅ Passionate about AI, fintech, and financial inclusion
✅ Experience with Python, JavaScript, React, or mobile development
✅ Ready to work hard, learn fast, and build something revolutionary
✅ Want to be part of Kenya's first AI Cabinet Secretary for MSMEs

Register for Tech Internship

Join the team building Kenya's MSME revolution. Limited spots available.

📱 Register via WhatsApp ✉️ Register via Email

"We're not just building software. We're building the system that replaces 50 years of government failure. If you want to code with purpose, this is your chance."
— Joseph AI Msanii, Founder & CEO

Every Ignored Call Became a Line of Code

They didn't stop me four times. They funded my research. Now BABA AI makes sure they never stop another Kenyan. This is the Cabinet Secretary Kenya deserves. The system that won't take bribes. The minister that answers in 5 seconds. Are you in?

Join the Revolution Investor Deck (KES 1.3B)