๐๐ฅ๐๐ ๐ฆ๐๐บ๐ฝ๐ผ๐๐ถ๐๐บ ๐ฃ๐ฎ๐ป๐ฒ๐น ๐ญ ๐๐ถ๐ด๐ต๐น๐ถ๐ด๐ต๐๐ | ๐ง๐๐ฟ๐ป๐ถ๐ป๐ด ๐ฅ๐ฒ๐ด๐๐น๐ฎ๐๐ถ๐ผ๐ป ๐ถ๐ป๐๐ผ ๐๐ฐ๐๐ถ๐ผ๐ป ๐ณ๐ผ๐ฟ ๐ฎ ๐ง๐ฟ๐๐๐๐ฒ๐ฑ ๐๐ฟ๐ฒ๐ฑ๐ถ๐ ๐๐ป๐ณ๐ผ๐ฟ๐บ๐ฎ๐๐ถ๐ผ๐ป ๐๐ฐ๐ผ๐๐๐๐๐ฒ๐บ
A standout moment from the Credit Data, Referencing & Innovation Symposium was the first panel discussion led by Patricia. A. Lutwama, Head of Communications & Corporate Affairs at Uganda Bankersโ Association (UBA) She steered a highly engaging dialogue with four key regulators and government agencies at the center of Ugandaโs credit data transformation: Pamela Kahwa from the Bank of Uganda, Rosemary Kisembo from National Identification and Registration Authority (NIRA), Baker Birikujja from the Personal Data Protection Office, Uganda (PDPO) and Keneth Nuwagaba from Uganda Registration Services Bureau URSB.
Together, they shed light on Ugandaโs journey in strengthening trust, accuracy, and interoperability within the credit information landscape.
๐๐ฒ๐ ๐ง๐ฎ๐ธ๐ฒ๐ฎ๐๐ฎ๐๐ ๐ณ๐ฟ๐ผ๐บ ๐๐ต๐ฒ ๐๐ถ๐๐ฐ๐๐๐๐ถ๐ผ๐ป
โข The Bank of Uganda reflected on the evolution of the system from its early days in 2008 to todayโs multi-bureau environment, supported by regulatory reforms and the planned centralized credit data hub to improve accuracy.
โข NIRA emphasized the foundational role of identity noting that verification with consent ensures secure, accountable access to personal data as millions of monthly checks support onboarding and fraud reduction across the economy.
โข The PDPO reiterated that data protection is not a barrier to innovation, but the bedrock of trust reminding institutions that accuracy, purpose limitation, and transparency in digital profiling are mandatory for consumer confidence.
โข URSB highlighted how digital business registration and integrations with NIRA and credit bureaus strengthen KYC/KYB reliability, enabling more inclusive credit for MSMEs.
Panelists collectively reinforced the need to digitize SACCOs and Tier 4 institutions, whose participation is essential for grassroots financial inclusion. They also addressed cultural perceptions around data sharing and called for continuous public education to build confidence in the system.
This panel reinforced a powerful truth: A trusted credit information ecosystem is built when regulation, technology, and collaboration move in the same direction.