About me
Nairobi · GMT+3
Kelvin
Mutiso.
Kelvin Mutiso
K.M · 2026
↓ The thesis

A senior product designer working on money products for people who've never been at the centre of how they're designed.

7
Years in UX
5
In fintech
23M+
M-PESA users reached
71
ADPList sessions
Chapter 01 / 05
The opening
Kelvin Mutiso working on a circuit board
01
The opening

I thought I'd be an engineer.

Computer Science at Riara University. First Class, 2020. I joined KamiLimu, met designers who treated design as thinking, not decoration, and that was that.

Chapter 02 / 05
The work so far
Kelvin presenting at Safaricom
Safaricom · Nairobi
02
The work so far

Two stops shaped how I work today.

At Kwara, I designed digital banking for SACCOs, reworking the flows that move members between cash and digital money for the first time. Trust, in that context, isn't a brand attribute. It's whether someone is willing to put money into something they can't physically see.

At Safaricom, I lead UX for Financial Services at M-PESA. Decisions made in Figma ship to people on every income level, every device, every literacy and language gradient.

Chapter 03 / 05
The thesis
Money products that meet people where they are
K.M · field notes
03
The thesis

Money products that meet people where they are.

Designing for a feature phone and a smartphone in parallel. Naming dignity as a constraint, not a nice-to-have. Listening to users whose financial lives are usually designed around, not for.

Chapter 04 / 05
How I work
Research surfaced where it usually doesn't reach
K.M · field notes
04
How I work

Research surfaced in rooms it usually doesn't reach.

PRDs that haven't talked to a user. Engineering decisions that quietly shape who gets included. Roadmap conversations where the assumed default user is the one who'd be hardest to lose.

Right now I'm thinking about how AI and agentic design will reshape financial products for emerging markets. There's a version that further excludes the people I work for; there's a version that finally includes them.

Chapter 05 / 05
Outside the work
K.M · on the road
05
Outside the work

I drive. Long stretches of Kenyan road.

Alone or with one person, no destination required. Quieter than a notebook, more honest than a meeting. The best design problems I've worked on were either started or finished behind a steering wheel.

Most of the leverage I have as a designer comes from getting the user's perspective into the right conversations early.

Let's talk

Always open to ambitious conversations.

Book a call
Elsewhere
Kelvin Mutiso · Nairobi, Kenya© 2026