About

From supporting systems to building them

I started in field support on Uganda’s digital census, preparing devices and fixing problems where the work happened. That taught me to judge a system by how it behaves in real operations.

At Nova Microfinance I run the core-banking platform and much of what surrounds it. I led the move off the legacy loan system, corrected the financial reports and built the management dashboards. I now lead the payments, collections and fleet-tracking work, and the lender’s side of a climate-insurance pilot. When the business has a gap that no product covers, I design and build the tool myself; when the work belongs to a vendor or developer, I write the specification and see it through.

Alongside that role I build my own products, including Credixa, a core-banking platform for microfinance institutions and SACCOs. The approach stays the same across all of it: find out what the system is doing, make the evidence visible, and leave behind something the team can run safely.

  • Based in: Kampala, Uganda
  • Current focus: Core banking, payments and collections, integrations and fleet technology
  • Working style: Evidence-led and hands-on, and clear about what is live and what is not
  • Languages: English, Ateso and basic Kumam

0 IT initiatives tracked

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Portfolio

Selected systems work

Selected work in financial and fleet systems

Twelve pieces of work, from moving a lender onto a new core-banking system to fleet control, payments, climate insurance and my own products. Each card shows where the work stands today, and live work links to the running system. Sensitive details are summarized.

01
DeliveredCore banking · Data migration

Core Banking Migration

Moved a lender off its legacy loan system onto Apache Fineract, with a reconciliation trail Finance could check before anything moved.

  • 455 source tables inventoried
  • 810K+ ledger records reconciled
  • 12/12 data domains matched
Apache FineractPythonSQLDocker
02
DeliveredAccounting systems · Controls

General Ledger Remediation

Found why the financial reports were wrong (the balance sheet showed negative assets), corrected them, and fixed the payment routing that was distorting key accounts.

  • 4 financial reports corrected
  • 35/35 deployment actions verified
  • 31/31 mapping checks passed
FineractMySQLREST APIsMetabase
03
DeliveredPayments · Integrations

Payment Reconciliation Engine

Showed that a live payment app was marking transactions complete before the money arrived, by mapping it from the outside when no source code was available.

  • 7,500+ unreconciled records surfaced
  • 5 providers and formats reconciled
  • 4 modules mapped without source
LaravelMySQLAPIsSMS gateways
04
LiveReporting · Decision support

Operational Reporting Platform

Replaced late, conflicting spreadsheets with dashboards for each management role and a daily report directors can rely on.

  • 4 role-scoped access levels
  • 4 analytics dashboards
  • Daily director reporting cadence
Node.jsMetabaseSQLJWT
05
In daily useAI operations · Governance

Knowledge Operations for AI Agents

Built the working memory that lets AI assistants help safely: verified tools, past incidents and system findings that appear when the work needs them.

  • 160 tools registered with verification
  • 289 incidents and workarounds documented
  • 185 verified system findings
PythonPowerShellMCPMarkdown
06
Controlled prototypeAssets · Lending integrations

Fleet & Loan Enforcement Prototype

Linked each financed motorcycle to its loan and its GPS tracker, so staff can see which bikes are at risk. Remote immobilisation stays a controlled prototype and works only on parked bikes.

  • 640+ tracked devices
  • 820+ asset records merged
  • 2 telematics providers mapped
TypeScriptNode.jsFineractTelematics
07
In progressPayments · Integrations

Mobile-Money Integration Hub

Building a hub that records each mobile-money payment and payout against the right loan exactly once, and checks every transaction with the provider. It runs in the provider’s sandbox; nothing is live yet.

  • 84 automated tests passing
  • 46 API requests mapped in sandbox
  • 1 repayment, replay and reversal cycle balanced
TypeScriptPostgreSQLFineractWebhooks
08
Approved designAssets · Collections

Pay-Before-Ride Collections & Bike Control

Designed due-date collections for financed motorcycles. Each rider gets a mobile-money payment request at set daytime hours; if the day stays unpaid, the bike locks once it is parked and unlocks as soon as the rider pays. A dry run and a small pilot come next.

  • 3 prompt windows per due date
  • 2 prompts per phone per day, at most
  • 30 min target to restore a paid bike
TraccarMobile moneyFineractTypeScript
09
Ongoing pilotInsurance · Partner integrations

Climate-Insurance Lending Integration

Leading the lender’s technical work in a donor-backed pilot that gives borrowers climate insurance paying out on weather triggers. The link between loans and cover keeps borrower identities private, and now waits on the insurer’s test environment.

  • 91% of active loans in the cover feed
  • 42 automated tests
  • 7 vendor API specs pinned and drift-checked
FastifyPostgreSQLOpenAPIFineract
10
Live demoProduct · Core banking

Credixa CBS & BNPL Demo

My own core-banking and lending platform for microfinance institutions and SACCOs, with a hub for payments, SMS and reconciliation, plus a separate buy-now-pay-later demo.

  • 38 demo clients seeded
  • 36 loans across 8 lifecycle states
  • 972+ journal entries
Fineract 1.14AngularVercelRailway
11
Design phaseTelematics · Architecture

E-Mobility Fleet-Financing Design

Designed the systems for a 100-bike electric-motorcycle financing pilot: rider accounts, GPS tracking, mobile-money collections and payment prompts at battery-swap stations. No code yet; partner APIs are pending.

  • 9 telematics platforms compared
  • 11 integration points mapped
  • 6 workflows specified
TraccarFineractOpenAPIMobile money
12
LiveWeb apps · Events

Event Ticketing & Gate Check-In

Built the ticketing system for a fundraising dinner. Guests request seats online, the team issues branded QR tickets after payment, and each ticket admits one guest at the gate.

  • 1 gate admission per ticket
  • 2 admin consoles: issuing and check-in
  • 2 database backends supported
Node.jsExpressPostgreSQLVercel

Initiatives

Current initiatives

Building the next body of work

Each early initiative carries its current evidence state. These tracks remain in research or product development; no completed pilot or commercial traction is claimed.

In formation · pre-pilot

VICI Reality

A phone- and browser-first approach to property evidence, guided remote viewing and due-diligence workflows in Uganda.

Explore the initiative →
Operating model · unproven

Evidence-Gated Venture Foundry

A disciplined way to move a venture from customer pain to a measurable pilot, with proof gates before major spending or public claims.

See the proof gates →
Research · build journal

Spatial evidence research

Research into practical capture, review and handoff workflows for property teams using devices people already have.

Read the current direction →
Live demo · pre-commercial

Credixa

A core-banking and lending platform for microfinance institutions, SACCOs and asset financiers, built on Apache Fineract 1.14 with a hub for payments, SMS and reconciliation. A seeded demo runs today on Vercel and Railway; no paying customers are claimed.

See the product sheet → Open the demo sign-in →

Ecosystem

Organizations and integration ecosystem

The work around the system

These relationships have different meanings: employer systems, client delivery, technical integration and proposal-stage exploration. Each is labelled by its current evidence.

Current role · employer systems

Nova Microfinance

As IT Officer, I work across core banking, reporting, payment reconciliation, user support, communications, data controls and fleet-linked finance operations.

Exploratory · integration design

eTranzact

Partnership discussions around payment and wallet-deduction rails. A Nova-owned hub now maps XCEL collections and payouts to Fineract loans and passes 84 automated tests against the sandbox; live payments wait on vendor-side fixes and production credentials.

Live trial · permission-dependent case study

Simba Automotives

A field-sales, inventory, delivery, service, commission and reporting platform built through Legitimo Tech Solutions. Commercial closeout and portfolio permission remain open.

Concept and proposal stage

Arc Ride Uganda

Operational workflow, people-system and equipment-sourcing concepts for an electric-mobility environment. The available artefacts comprise proposals and an interactive operations-centre concept; production deployment remains unverified.

Ongoing pilot · lender-side integration

Mercy Corps Ventures & BlockBima

I lead Nova's technical work on a climate-resilience pilot: the BlockBima API evaluation, and a local layer that links Fineract loans to parametric cover with pseudonymised borrower data. No vendor sandbox exists yet, so nothing runs in production.

Client delivery · live

Dignity For Her

Ticketing and gate check-in for the Dignity For Her fundraising dinner: online seat requests, branded QR tickets and one-scan admission at the gate.

Experience

Experience and development

My work grew from field support and data quality into designing, building and running connected financial systems.

Nov 2025 – Present

IT Officer / IT Support

Nova Microfinance Limited · Kampala

Runs the core-banking platform and the reporting built on it, and leads the payments, collections, fleet-tracking and partner-integration work around it. Led the move off the legacy loan system and the correction of the financial reports; now building a mobile-money payments hub and automated due-date collections.

Jun 2024 – Aug 2024

Data & IT Support Intern

PowellPay / Intellectsoft Software Company

Kept mobile-payment and school-partner records clean and accurate, and built live dashboards that showed how partner schools used the service.

May 2023 – Jun 2024

Technical Support Assistant

Uganda Bureau of Statistics · Digital Census Project

Prepared and supported field devices for the national digital census, resolved user problems and checked the accuracy of digital records.

2023 – Ongoing

Diploma in Information Technology for Business

Uganda Institute of Information and Communications Technology

Continued professional development includes Cisco Certified Network Associate (CCNA), Cisco data science, Python and machine-learning training, cybersecurity awareness, agile project management and data analytics.

Community

Digital Transformation Advocate (Youth)

National ICT Innovation Hub · Kampala

Outreach on the national ICT roadmap and innovation challenges, connecting young people to digital-transformation programmes.

Community

Developer communities

GDSC UICT · GDG Kampala · IEEE Uganda Section

Coding workshops and peer-learning sessions for students and early-career developers, and membership of the IEEE Uganda Section.

Services

What I offer

Systems I design and deliver

Work I take on directly, from connected hardware through to the reporting layer above it. Available for partnership, contract or in-house delivery. For the platforms themselves, see the product catalogue.

RFID Smart Business Cards

Tap-to-share contact and profile cards built on programmable NFC/RFID tags, with the landing profile hosted and updatable without reprinting the card.

Smart Keys & Vehicle Immobilisation

Keyless vehicle access and remote enable/disable, designed so the safe state is the default and every command leaves an audit trail.

Fleet Management Systems

Asset registers, rider and vehicle assignment, trip history and utilisation reporting, built to reconcile with the finance system rather than sit beside it.

GPS & Telematics Design

Device integration, location and event pipelines, geofencing and provider-agnostic connectors, so a change of hardware vendor is a configuration change.

HR Systems

Staff records, leave, attendance and payroll-adjacent workflows, with the approval chain and evidence trail built in rather than bolted on.

Dashboards & Reporting Systems

Role-scoped dashboards and scheduled management reporting on a defined metric layer, so two people asking the same question get the same number.

System & Data Migration

Source cataloguing, field mapping, reconciliation and cutover validation, with the evidence Finance needs to sign off before anything moves.

Core Banking Implementation

Apache Fineract and Mifos X setup: products, charges, accounting rules and GL mappings configured and proven on a test tenant before they touch production.

Payments & Mobile-Money Integration

Collections from mobile-money and bank channels matched to accounts and posted to the core system, with a reconciliation sweep for anything that does not land.

Messaging & Notification Gateways

SMS and WhatsApp delivery for reminders, receipts and alerts, built to work with any provider so a gateway change is not a rewrite.

AI Agent & Knowledge Operations

Durable operating memory for AI-assisted engineering: verified tooling registers, incident history and rules that surface at the point of work rather than in a wiki.

IT & Systems Consultancy

Systems review, vendor and integration assessment, data-quality audits and a written path from where a system is now to where it needs to be.

Web Applications & Portals

Customer and staff-facing portals, internal tools and the dashboards that sit over them, built on the systems underneath rather than beside them.

Credentials

Training and recognition

Credentials and completed training

Certificate evidence is linked where supplied. Formal study is listed under Experience.

Kibo Foundation, American Center Kampala and U.S. Mission Uganda certificate for Oriokot Charles Ediu
U.S. Mission Uganda · American Center Kampala · Kibo Foundation

Soft Skills Certification · ASK24 Leadership Symposium

View certificate →
Debate Institute Africa and Paragon Rhetorica Certified Public Speech Adjudicator Level 1 certificate for Oriokot Charles Ediu
Debate Institute Africa · Paragon Rhetorica

Certified Public Speech Adjudicator · Level 1

Eleven-day public speaking adjudication course · score 59/80

View certificate →
Cisco

Cisco Certified Network Associate (CCNA)

Completed and certified. Certificate file not published on this site.

NASA International Space Apps Challenge

Global hackathon judged by NASA and partner space agencies; the Galactic Problem Solver award recognises the top projects at a local host site.

Open source

  • Microsoft · Data Science for Beginners: documentation contribution merged2025

A merged documentation change to Microsoft's open curriculum repository.

Skills

My Skills

The technologies and practices behind the work above, chosen for the problem at hand.

Apache Fineract

90%

MySQL & SQL

85%

Python

80%

Node.js

75%

Metabase

85%

REST APIs

80%

TypeScript

70%

Git/GitHub

85%

Docker

75%

Linux

80%

Data Reconciliation

90%

Core Banking (Mifos)

85%

Cisco Certified Network Associate (CCNA)

80%

AI-assisted engineering

85%

Data science & machine learning

70%

Toolkit by domain

Fleet & telematics

GPS51 APITraccarZembo immobilisation APIAsset registersPlate-to-loan matchingStationary-only command rulesGeofences and alarms

Payments & collections

Yo UgandaeTranzact XCELMTN MoMo / Airtel MoneyIdempotent payment flowsWebhook verificationReconciliationSMS reminders (EgoSMS)

APIs & integration

RESTOpenAPIPostmanFastifyExpressLaravelMock servers and contract tests

Data & reporting

PostgreSQLMySQLMetabaseExcelReact dashboardsPAR, arrears and collections KPIs

Platforms & delivery

Apache Fineract 1.14Mifos X (Angular)ReactDockerVercelRailwayCloudflare Pages

Governance & coordination

UATAPI evaluationsIntegration specsVendor escalationAccess-control matrixMDM (ManageEngine)SOPs

Blog

Blog

Stories from systems, communities and the work

Writing on technology operations, Uganda's developer ecosystem, financial inclusion and lessons earned while building.

September 8, 2026 Charles Oriokot

Technology, Community and Mobility

Sixteen original posts, revisited as four connected stories about building for people and everyday business in Uganda.

September 4, 2026 Charles Oriokot

The Rooms Where Systems Get Built

Hackathons, developer conferences and an IP workshop: what four rooms in Kampala taught me about scoping and calibration.

August 28, 2026 Charles Oriokot

Installed Is Not Configured Is Not Running Is Not Used

It was installed. Configured. Documented. Scheduled. And it had never run once.

August 4, 2026 Charles Oriokot

Invert the Junction

Moving a knowledge base without touching a single reference, and the three silent failure modes that come with it.

August 2, 2026 Charles Oriokot

The Dead Ends Are the Point

Most teams document the fix. Recording what did not work turned out to be the more valuable half.

Community

Recognition and community

Learning in the rooms where systems get built

Selected moments from developer, innovation and intellectual-property communities in Kampala.

Charles Oriokot with teammates at the 2024 NASA International Space Apps Challenge in Kampala
NASA International Space Apps Challenge Galactic Problem Solver recognition · 2024
Charles Oriokot at a Google Developer Groups AI event in Kampala
Google Developer Groups AI and developer community · Kampala
Charles Oriokot with participants at an intellectual-property in STEM training at the National ICT Innovation Hub
Intellectual property in STEM URSB training · 2025
A developer cohort at Uganda's National ICT Innovation Hub
National ICT Innovation Hub Developer community and early platform work

Pictorial

Work in context

Digital Census device readiness

Configuration and readiness work around a large tablet deployment, alongside participation in an intellectual-property session at the National ICT Innovation Hub.

Charles Oriokot checking a tablet during Digital Census device preparation
Device checksDigital Census readiness
Charles Oriokot participating in an intellectual-property and innovation session
Innovation and IP sessionNational ICT Innovation Hub
Charles Oriokot and another participant listening during an intellectual-property and innovation session
Shared learningNational ICT Innovation Hub
Charles Oriokot testing a tablet beside configured devices and workstations
Configuration workflowDevice preparation
Charles Oriokot operating the Census application during tablet readiness work
Application readinessDigital Census support
0+ Years in IT, data and systems roles
0 IT initiatives tracked
0 Incidents documented, with fixes and dead ends
0 Systems integrated end-to-end

Good systems work is visible, testable and maintainable.

I'm interested in fintech, fleet and e-mobility systems, payments and operational data, where reliability matters as much as the interface.

Discuss a project

Contact

Get in touch

Start with the operating problem

For business systems, payments, integrations, data or fleet-technology work, reach me directly.

Location

Kampala, Uganda

Opens in your email app, addressed to charleyfix47@gmail.com.