Paul Steenkamp Kandoo Dark


The Big Problem

Globally, 1.7 billion people are financially excluded. According to the World Bank, more than one billion people have no legal identity, with about half residing in sub-Saharan Africa.

SOURCE: World Bank

The Big Solution

“Hope is not an effective strategy for solving poverty. An entrepreneurial model should replace government-funded programs.”

SOURCE: The Prosperity Paradox - How Innovation Can Lift Nations Out of Poverty

The Big Opportunity

No matter their circumstances, micro-entrepreneurs access opportunities based on their character wellness, not qualifications or skills.

Why? Because who you are is a better predictor of achievement than what you know. 

Overwhelming scientific evidence now demonstrates that character wellness turbocharges achievement and vice versa. 

SOURCE: Character Lab

For Individuals

• Strengths of heart, such as gratitude, enable harmonious relationships with other people. 

• Strengths of will, such as grit and self-control, enable achievement.

• Strengths of mind, such as curiosity, encourage independent thinking.

For Teams

Character wellness is also one of the strongest predictors of team success. Teams with a strong character reputation average ~5x greater ROA and notably less risk than peers with a self-focused reputation.**

SOURCE: Harvard Business Review - Measuring the Return on Character

Can Character Reputation & Wellness Change?

Quantified research and more than 25 years of experience prove that anyone can cultivate their character intentionally with the proper first steps, data, and motivation.

SOURCE: KRW International (

Introducing Kandoo Entrepreneurs

How might we help financially excluded micro-entrepreneurs become healthier and more empowered, protected, economically resilient and sustainable

In a way that uses the unique, measurable, and consistent relationship between their character wellness and their ability to execute successfully

So that we help reduce poverty, boost prosperity and make a positive societal impact in sub-Saharan Africa and beyond?

How Kandoo Entrepreneurs Works

Reach your goals, grow your impact and transcend systemic constraints.

• Equip yourself with a set of character habits to strengthen your reputation and achieve more.
• Unlock access to valuable and affordable products and services to meet your essential needs - based on your character wellness

Our Three Pillars

We are building three complementary pillars.

1. KandooScore

A challenger credit score and credit report, forever. Build your character wellness and get a broader range of deals, all through KandooScore.

2. KandooClub

A science-based behaviour change programme that helps you keep track of your progress towards increased character and reputation wellness, along with a premium range of DeFi, consumer retail and education rewards for continuiously building your character wellness (as individuals, teams and organizations).

3. Kandoo DeFi

Mobile dApps spanning savings, investments, healthcare, life assurance, short-term insurance, banking, and wellness markets.

Who is behind Kandoo Entrepreneurs

Kandoo Entrepreneurs is a joint venture between I Am Jack Frost Holdings (a leading South African strategic innovation studio established in 2016) and VERONIVA (a leading early-stage renewable energy project developer established in 2012 ).


Etian Louw - CEO

Etian is Co-Founder and Executive Director of Veroniva Renewable Energy. His experience also includes 17 years in financial services spanning across different disciplines such as credit, strategy, analytics, client segment delivery models (mass affluent to UHNW) and digital / fintech offerings. He contributed in an executive capacity as a member of the executive team’s he was part of for more than 8 years. For the last 6 years Etian was part of an internal Fintech start-up within the banking group and was responsible for developing money management solutions on the bank’s digital platform to help customers navigate their money. He lead the development of the customer solutions from conceptual phase to a money management toolset with 2.4 million users.


Claude Bosman - CFO

Claude is Co-Founder and Executive Director of Veroniva Renewable Energy. He is a qualified Chartered Accountant who wiil provide financial oversight to the JV to ensure robust financial management and financial sustainability.


Paul Steenkamp - Chief Product Officer

Paul is the a leading expert on innovating effectively within complex organizations. Established in 2016, his Strategic Innovation Studio helps Execs and their teams solve strategic problems differently. He is a former corporate innvoation executive, and his fintech portfolio at Standard Bank included Shyft (award-winning foreign exchange app), SnapScan and Feenix. 

Questions? Great.

Contact Paul Steenkamp to discuss your implementation challenges and training needs, and explore how we might help. Book a meeting.

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