Outlining Strategic Priorities at the AGM
In January 2026, Pebuu Uganda revealed its Strategy 2026 during its Annual General Meeting (AGM). The AGM, themed Growth that Matters: Built on Ethics, Compliance, and a Productivity-Based Culture, gathered the Pebuu team from across the country to align with strategic priorities, accelerating financial inclusion and technology innovations.
Among Pebuu’s flagship initiatives, scheduled to roll out this year, are Pebuu Digital Building Society – an embedded finance mechanism, designed to address some of the most acute agent banking issues, expansion of last-mile delivery services nationwide, and launching a fresh field service management solution – Doower.
Embedded Finance Model to Address Agent Banking Challenges
According to FinScope Uganda (2023), over 73% of adults nationwide have access to formal financial services. The expansion of service access points, including bank agent outlets, is among the key factors in advancing financial inclusion. Several mechanisms ensure agents’ compliance with regulations to facilitate safe access for customers, yet this access needs to be consistent and continuously available to truly benefit communities. However, this is not always the case. Currently, our supervised bank agent networks exceed 37.5 thousand agents across the country. We have observed that over time, the bank agents start facing liquidity challenges – they lack float for digital transactions, causing them to become dormant or inactive. Then they freeze their operations, unwillingly affecting their communities”, shared Elizabeth Atuhairwe, Pebuu Head of Business.
To address bank agents’ float issues, Pebuu launched an embedded finance model implemented through Pebuu Digital Building Society. Becoming members of the Society, agents and small business owners would receive multiple benefits; for instance, the possibility to invest in joint projects. As members, they would act as guarantors to each other when receiving rapid loans for their digital floats. This would enable the agents to maintain a consistent cash flow to run their business operations without interruptions.
Scaling Up Last-Mile Delivery Through Technology Solutions
Licensed as a national courier service provider, Pebuu is set to redefine last-mile delivery services across the country. Through partnerships with global industry leaders such as DHL, FedEx, and Aramex, Pebuu will facilitate the secure delivery of sensitive documents, including bank ATM cards, cheques, and personal items, even in the most remote areas. Central to this strategy is Doower – Pebuu’s proprietary technology for field service management, integrating courier operations. This advanced system is built on insights from its award-winning predecessor, FieldPecker, and is anticipated to bridge gaps in the logistics ecosystem.
Employee Wellbeing: a Driver for Organisational Growth
While the two innovations are expected to expedite the company’s operations and deepen their impact on communities, Pebuu emphasised that at the core of its strategy is strengthening employee wellbeing to drive organisational growth anchored in ethical service, compliance, and a productivity-based culture.
Operating in a sector with strict financial compliance regulations is quite stressful and may cause staff burnout. Pebuu stressed the importance of the staff taking care of their physical and mental health, introducing updated medical insurance policies and compensation schemes. The organisation is committed to refining its policies to guarantee maternity and sick leave, and to streamline measures ensuring gender equality across its operations.
During the AGM, Pebuu refocused on internal capacity building and introduced several incentive schemes to its employees. Invited representatives from Centenary Bank, Britam Insurance, Bajaj, Haojue, and Honda introduced Pebuu staff to new partnership benefits available to them. The event was closed with an award ceremony, honouring the top-performing employees for their demonstrated commitment, service, productivity, and teamwork.
Tackling Youth Unemployment Through Job Creation
With its operational growth, Pebuu Uganda creates over 1000 jobs every year. Commenting on the company’s direction, John Paul Ssemyalo, Pebuu Founder and CEO, noted, “Our expansion is rooted in the idea of growth that truly matters. By launching these services, we are not only addressing financial ecosystem or logistical challenges but also creating employment opportunities for young people.”
Africa is the youngest continent. Youth’s potential to learn quickly and absorb technologies in the ever-evolving digital landscape could greatly benefit local economies. Yet, youth unemployment remains one of the biggest social problems in Uganda.
Overall, the AGM reaffirmed the company’s commitment to sustainable growth, sound governance, and delivering long-term value to its stakeholders.
