In today’s fast-changing world, digital transformation is no longer optional—it’s essential, especially in microfinance. The KMFI President emphasizes that embracing digital tools will allow the organization to reach underserved areas, improve operational efficiency, provide more personalized services, reduce costs, and stay relevant in a rapidly evolving financial landscape. Staff are encouraged to actively take part in upcoming trainings and initiatives as part of this digital journey. This transformation is vital to fulfilling KMFI’s mission of inclusive financial services, and together, the organization can achieve lasting positive impact in the communities it serves.

The launch of the IFOA (Instafin Field Operations App) marks a major step in KMFI’s digital transformation—from a web-based system to a mobile platform that enables faster, easier processing of payments and creation of client profiles in the field. This computerization not only improves efficiency and accuracy but also affirms one of KMFI’s core values: the balance between work and life. By reducing manual work and minimizing errors, FCOs can complete tasks more quickly, spend less time on paperwork, and return home earlier to be with their families—making our services smarter, faster, and more people-centered.

Luming has helped formulate seven goals for KCCs to be integrated into people’s daily lives. These include livelihood training, entrepreneurial development, decent housing, access to health and social services, education for all, environmental protection, and preservation of arts, culture and sports. After all, Luming concludes, community organizing is a way of life, not a project.