Ruan Swanepoel is the Head of Product for Medical Credit Fund, where he oversees the development and implementation of digital loans to health care providers across the MCF footprint. Ruan has qualifications from the University of Technology in Cape Town and more than 20 years’ experience in the mobile telecommunications and financial services industry. Ruan is passionate about the development of consumer products and digital innovation, having overseen many projects, involving a number of world firsts; cross border remittances on mobile wallets, interest distribution to mobile customers on their digital wallets, and enabling interoperable wallets with all mobile operators in Tanzania.