Johan is a Partner at Quona Capital, a global emerging market fintech for inclusion venture firm working with entrepreneurs and driving access to meaningful financial services to the underserved. After spending many years in leadership positions in Consumer Finance and Insurance businesses across the world Johan built a few new businesses in Africa, closing pan African partnership deals with MTN, Millicom and Airtel providing Mobile Financial Services products to millions of unbanked consumers, small businesses and mobile money agents. Johan designed, built and launched the first scale mobile-only unsecured loan product in Africa using digital rails of mobile money partners, lending to millions of entrepreneurs and consumers in rural locations using only cell phone behavioral data.