• Tunzaa enables users to pay for goods in installments without using traditional credit.
• The platform promotes disciplined, goal-based savings for specific purchases.
• Founder Ng'winula Kingamkono builds a debt-free digital marketplace connecting merchants and consumers.

Ng'winula Kingamkono, a Tanzanian IT specialist and technology entrepreneur, leads this shift. He founded and runs Tunzaa, a digital platform dedicated to online buying, selling, and business management.

Kingamkono founded Tunzaa in 2021 as an online marketplace. The platform allows users to purchase products and services from selected vendors. It also provides direct delivery to customers, thereby improving access to quality goods without requiring physical travel.

Tunzaa places its payment model at the core of its value proposition. The platform allows users to pay progressively in multiple installments instead of settling purchases upfront. This approach relies on a “pay little by little” principle and avoids traditional credit mechanisms.

Consequently, the system encourages users to build dedicated savings for a specific purchase. Users accumulate payments until they reach the required amount. The platform also sends reminders and provides regular tracking to reinforce financial discipline.

Tunzaa targets a broad range of users, including traders, developers, manufacturers, and consumers. It connects all stakeholders within a single ecosystem without debt or interest. Users simply set aside money toward a defined purchase goal within a secure and transparent framework.

Before launching Tunzaa, Kingamkono co-founded Guumzo in 2013. The application allowed users to record two-minute voice messages and share them with subscribers. He later co-founded Ellipsis Digital in 2018. The company recruits tech talent for projects in Europe and other global markets. He served as head of business development until 2022.

Kingamkono graduated from University of Dodoma in 2012 with a bachelor’s degree in information systems and computer programming. He started his career the same year at Samaki Samaki Restaurants as a development manager. He later served as chief executive officer of Thinkers Technologies Ltd from 2015 to 2018, where he specialized in software development.

This article was initially published in French by Melchior Koba

Adapted in English by Ange J.A de Berry Quenum