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Johan has spent more than 10 years creating and driving consumer finance, insurance and fintech businesses in Africa. Prior to Quona Johan launched the first automated mobile only unsecured loan product in Africa, closing pan African partnership deals with some of the continents biggest mobile network operators, MTN, Millicom and Airtel, providing Mobile Financial Services products to millions of unbanked consumers, small businesses and mobile money agents. Johan spent his earlier career in large businesses like Goldman Sachs and a subsidiary of Swiss Re., and holds an Economics degree from the University of Stellenbosch.