Peter Kahara Munga built Equity Bank by designing his business around distribution, trust, and lived reality. He started with access. His insight was simple and contrarian: if he could reach ordinary people where they already lived and worked, scale would follow. 

Equity was not built by advertising or branch aesthetics, but by embedding banking into rural towns, farming cycles, and informal cash flows. Munga understood early that trust compounds faster than capital, and that distribution into neglected...