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Kick Starting your Investment journey with Hisa App · The Mwango Capital Podcast

• 0:00
  SPEAKER_00: Good evening, everyone.
• 0:01
  SPEAKER_00: Some, maybe it is afternoon, but thank you for joining us for the spaces this evening.
• 0:07
  SPEAKER_00: I'm Irina Namzia, and I'll be your host today.
• 0:10
  SPEAKER_00: And today's topic,
• 0:11
  SPEAKER_00: we're actually going back to the basics to speak about how
• 0:14
  SPEAKER_00: to expand your investment journey.
• 0:16
  SPEAKER_00: And we are hosting HISA for our spaces this evening.
• 0:20
  SPEAKER_00: We still have so many people who do not really fully understand how the securities markets work.
• 0:26
  SPEAKER_00: And the idea of investing often feels like it's something reserved for
• 0:30
  SPEAKER_00: the wealthy people or the wealthy.
• 0:31
  SPEAKER_00: Only those who are financially serving.
• 0:33
  SPEAKER_00: So as we talked to HESA who have been working on changing the narrative
• 0:36
  SPEAKER_00: and making it possible for anyone with a smartphone or just a few shillings or
• 0:41
  SPEAKER_00: a few dollars on how you can naturally start spending your wealth through
• 0:44
  SPEAKER_00: the securities market by investing into maybe the counters at
• 0:47
  SPEAKER_00: the Nairobi Securities Exchange or even going to the global markets like
• 0:52
  SPEAKER_00: the Asian markets or the US markets.
• 0:55
  SPEAKER_00: So we're just going to have that conversation with our panelists from HISA.
• 0:59
  SPEAKER_00: I want to introduce our speakers today.
• 1:01
  SPEAKER_00: I'll let them just say their names,
• 1:03
  SPEAKER_00: what they actually do at HISA,
• 1:05
  SPEAKER_00: and maybe just tell us a little bit of what their job description looks like on
• 1:09
  SPEAKER_00: a day at HISA before we dive into the questions.
• 1:13
  SPEAKER_00: Get soon and come in.
• 1:14
  SPEAKER_00: You can just introduce yourselves.
• 1:16
  SPEAKER_02: Thank you to everyone for making time for this space.
• 1:20
  SPEAKER_02: Thank you to the Mwango team and our host for this session.
• 1:24
  SPEAKER_02: So as you've heard,
• 1:26
  SPEAKER_02: my name is Gertrude and I serve as the head of research and customer engagement
• 1:32
  SPEAKER_02: at Hisa.
• 1:33
  SPEAKER_02: And maybe I can give a rundown of what Hisa is.
• 1:38
  SPEAKER_02: And typically Hisa is simply our platform that gives you access to the Kenyan and US markets.
• 1:46
  SPEAKER_02: And I am excited to have a deep dive into today's topic.
• 1:51
  SPEAKER_02: Omar, over to you.
• 1:53
  SPEAKER_03: Hi everyone.
• 1:53
  SPEAKER_03: Good afternoon.
• 1:54
  SPEAKER_03: Good evening.
• 1:55
  SPEAKER_03: My name is Omar Ahmed and I lead product at Hisa.
• 1:58
  SPEAKER_03: This means basically after our investors interact with the Kenyan and US markets
• 2:03
  SPEAKER_03: with,
• 2:03
  SPEAKER_03: we're in charge of building that and ensuring they have the best experience
• 2:07
  SPEAKER_03: to be able to carry out all their actions.
• 2:10
  SPEAKER_03: And thank you everyone once again for sharing this space.
• 2:12
  SPEAKER_03: Looking forward to sharing a lot of insights and this.
• 2:15
  SPEAKER_03: Thank you.
• 2:16
  SPEAKER_00: Thank you, Ahmed and Gentwood for that introduction.
• 2:20
  SPEAKER_00: And so let's go straight to their discussion.
• 2:23
  SPEAKER_00: And we are aiming to actually equip the audience with practical knowledge
• 2:27
  SPEAKER_00: as we focus on what HISA actually brings to us as investors.
• 2:31
  SPEAKER_00: Got you, Mwangi.
• 2:54
  SPEAKER_02: So ideally,
• 2:55
  SPEAKER_02: the idea of he first started a number of years ago,
• 2:59
  SPEAKER_02: more than five years ago,
• 3:01
  SPEAKER_02: whereby one of our founders was working at the exchange and he found it so difficult
• 3:08
  SPEAKER_02: to start investing in the Kenyan market.
• 3:11
  SPEAKER_02: And therefore, he wanted to make it easy for everyone else.
• 3:15
  SPEAKER_02: So that is the inception of his site came out as possible.
• 3:19
  SPEAKER_02: An experienced investor wanting to make the investing process easier for everyone else.
• 3:24
  SPEAKER_02: And therefore from that, HESA was born.
• 3:28
  SPEAKER_02: And right now we have morphed into not only giving Kenyans access to
• 3:33
  SPEAKER_02: the Kenyan market, but also the US market and soon enough other markets as well.
• 3:40
  SPEAKER_02: So ideally that is the genesis of HESA.
• 3:44
  SPEAKER_00: We are used to calling it HISA app.
• 3:45
  SPEAKER_00: It's so hard to leave out the word app when we're doing HISA.
• 3:49
  SPEAKER_00: If someone downloads the HISA app,
• 3:51
  SPEAKER_00: what happens,
• 3:52
  SPEAKER_00: let's say just the first few minutes,
• 3:54
  SPEAKER_00: once someone downloads their app,
• 3:56
  SPEAKER_00: in terms of signing up, verification, and finding an account.
• 4:00
  SPEAKER_00: So you can just take a look at the mechanics of how that should be handled.
• 4:04
  SPEAKER_03: So once the user downloads the app,
• 4:06
  SPEAKER_03: they're required to use their email and phone number to sign up,
• 4:10
  SPEAKER_03: which takes them into the GISA interface,
• 4:13
  SPEAKER_03: where they can see all our features at first glance.
• 4:16
  SPEAKER_03: But to be able to staffs reading and carrying out transactions in the app,
• 4:20
  SPEAKER_03: they actually require them,
• 4:22
  SPEAKER_03: as is required by regulations,
• 4:23
  SPEAKER_03: to be provided by the verification can be either their national ID
• 4:28
  SPEAKER_03: or their passports.
• 4:29
  SPEAKER_03: That's done.
• 4:30
  SPEAKER_03: They also collect some more details and signature.
• 4:33
  SPEAKER_03: As well as some other documentary pieces of information,
• 4:36
  SPEAKER_03: and where the chiefs have set an account and a brokerage account as well for them
• 4:40
  SPEAKER_03: to trade,
• 4:41
  SPEAKER_03: and funding their account to perform these trades,
• 4:44
  SPEAKER_03: can buy digital buy and pay sales.
• 4:46
  SPEAKER_03: And these are actually,
• 4:48
  SPEAKER_03: as if right out by permission,
• 4:49
  SPEAKER_03: they can actually buy their first spoke fast in moments, once fast in five.
• 4:55
  SPEAKER_00: Now, once you download the app, I was just looking at the app today, actually.
• 4:59
  SPEAKER_00: And some of the features made confusing for someone who is maybe a beginner
• 5:03
  SPEAKER_00: into investing through such an app.
• 5:05
  SPEAKER_00: So you can just talk to others about some of the features.
• 5:07
  SPEAKER_00: Like I can see there's stocks, which looks like it's a familiar name and what to do with it.
• 5:12
  SPEAKER_00: But then there's stock screener, then there's collections, IPO access, wallet settings.
• 5:18
  SPEAKER_00: There's a number of features under the wallet setting.
• 5:21
  SPEAKER_00: You can just take us through some of those features and how important they are
• 5:25
  SPEAKER_00: or what someone can do with some of those features.
• 5:28
  SPEAKER_03: Like you said,
• 5:29
  SPEAKER_03: stocks is pretty common,
• 5:31
  SPEAKER_03: and that's the primary feature that users look to use on the stock trading platform,
• 5:35
  SPEAKER_03: right?
• 5:36
  SPEAKER_03: So with stocks,
• 5:36
  SPEAKER_03: you look at it,
• 5:37
  SPEAKER_03: use stock orders on either the NSC,
• 5:41
  SPEAKER_03: which is the Kenyan markets, or even US markets as well.
• 5:44
  SPEAKER_03: We have simply results with the EFL,
• 5:47
  SPEAKER_03: who's also IFTTT as well,
• 5:48
  SPEAKER_03: is that interesting feature, but I know you have the views I've had.
• 5:50
  SPEAKER_03: We've been in tax and social research here, thank you to IT Okomogo, who is RPG.
• 5:55
  SPEAKER_03: It is actually good to be self-described.
• 5:57
  SPEAKER_03: IT is pretty happening across the African markets.
• 6:00
  SPEAKER_03: We also have some future apps enabled users.
• 6:03
  SPEAKER_03: You can make my parents in terms of videos or files,
• 6:07
  SPEAKER_03: which is like you mentioned stock screen ads.
• 6:09
  SPEAKER_03: I'm not stock screen ads, but it is everything.
• 6:13
  SPEAKER_03: Help you navigate the market.
• 6:14
  SPEAKER_03: You have like a third path to click phone.
• 6:17
  SPEAKER_03: Kiltals allow you to get certain permanent files.
• 6:20
  SPEAKER_03: Kiltals work hyperstock.
• 6:22
  SPEAKER_03: Shoots your own investing.
• 6:24
  SPEAKER_03: Paragraph is closer to one maximum portfolio.
• 6:27
  SPEAKER_03: Whilst we hope you like use the secrets to not love your stocks.
• 6:31
  SPEAKER_03: The loss is that.
• 6:32
  SPEAKER_03: One interesting feature of all that we have is something called Atlas.
• 6:36
  SPEAKER_03: The Atlas Atlas case is a first free AI assistant that allows you
• 6:41
  SPEAKER_03: and gives you You can actually use AI rights on vSaaS,
• 6:48
  SPEAKER_03: financial rights on a desktop plane, the app as well.
• 6:51
  SPEAKER_03: Everything else we do you to investment in your account,
• 6:53
  SPEAKER_03: share a VPN, customizing your own security as well as passwords must work.
• 6:59
  SPEAKER_03: For Nintendo 3D as well,
• 7:01
  SPEAKER_03: we also provide you a local rules and departments of the very important facet
• 7:05
  SPEAKER_03: of shooting.
• 7:06
  SPEAKER_03: Always be able to make your forms to join.
• 7:08
  SPEAKER_03: Things like we give you a live graph of the market.
• 7:11
  SPEAKER_01: Like I was saying,
• 7:12
  SPEAKER_01: we also have a few of the features that basically allow you
• 7:16
  SPEAKER_01: to make investment stations,
• 7:18
  SPEAKER_01: such as a live track,
• 7:20
  SPEAKER_01: which tracks the priorities of Kenyan and U.S.
• 7:23
  SPEAKER_01: charities, detailed financials as well.
• 7:26
  SPEAKER_01: So you can also see like the health of the companies free investing them.
• 7:29
  SPEAKER_01: We also have Atlas, which I mentioned earlier.
• 7:31
  SPEAKER_01: Yeah.
• 7:32
  SPEAKER_01: It allows you to make intelligence investment stations on the HISA app.
• 7:37
  SPEAKER_01: So yeah, these are just some of the features that we currently have on the platform.
• 7:40
  SPEAKER_00: I guess someone has to practically download the app and also have the experience
• 7:44
  SPEAKER_00: to understand more of the features.
• 7:47
  SPEAKER_00: Now, moving to Getsud,
• 7:49
  SPEAKER_00: as a head of research at Hisa,
• 7:51
  SPEAKER_00: I assume you actually do a lot of different markets,
• 7:55
  SPEAKER_00: given that Hisa also means access to offshore markets.
• 7:58
  SPEAKER_00: And lack of a better word,
• 7:59
  SPEAKER_00: they currently are growing interest or a hype of investing offshore markets.
• 8:04
  SPEAKER_00: And this includes the U.S.
• 8:06
  SPEAKER_00: markets,
• 8:06
  SPEAKER_00: the Indian markets,
• 8:07
  SPEAKER_00: New York markets, and HISA is offering people to invest also in these jurisdictions.
• 8:12
  SPEAKER_00: So for someone who has never invested in these offshore markets,
• 8:16
  SPEAKER_00: how should one decide between investing at the NEC markets and investing in
• 8:21
  SPEAKER_00: the offshore markets?
• 8:22
  SPEAKER_00: What is the thought process of this person who was to begin a test quota in
• 8:26
  SPEAKER_00: the offshore markets,
• 8:28
  SPEAKER_00: especially, and also mention how to do that using the HISA app?
• 8:32
  SPEAKER_02: That's a very good question.
• 8:34
  SPEAKER_02: And to be honest, I'd start with the investment objective rather than the exchange.
• 8:40
  SPEAKER_02: So ask yourself, what am I investing for?
• 8:43
  SPEAKER_02: What is my time horizon?
• 8:45
  SPEAKER_02: What level of risk am I comfortable with?
• 8:49
  SPEAKER_02: And what companies or sectors will I understand?
• 8:53
  SPEAKER_02: So the NRC gives Kenyan investors exposure to companies that they already know.
• 8:58
  SPEAKER_02: And thanks to the HISA app, you can get started with that and follow in their everyday lives.
• 9:04
  SPEAKER_02: While the US markets provide access to a much broader range of companies
• 9:10
  SPEAKER_02: and sectors,
• 9:11
  SPEAKER_02: you also need to consider the currency exposure when you invest in a US stock as
• 9:16
  SPEAKER_02: a Kenyan investor.
• 9:18
  SPEAKER_02: So when you invest in a US stock as a Kenyan investor,
• 9:22
  SPEAKER_02: you're not only exposed to the performance of the company, but also the performance.
• 9:28
  SPEAKER_02: So
• 9:31
  SPEAKER_02: I wouldn't say one market is automatically better than the other.
• 9:36
  SPEAKER_02: They give you different opportunities and risks.
• 9:39
  SPEAKER_02: So start with your investment objective.
• 9:42
  SPEAKER_02: What do I already understand?
• 9:44
  SPEAKER_02: For example, as I've said, you can get started in the Kenyan market.
• 9:48
  SPEAKER_02: As you start understanding how the US market works.
• 9:52
  SPEAKER_02: So what is your investment objective and what do you understand?
• 9:57
  SPEAKER_02: And before you start investing in anything, always try to understand what you're investing.
• 10:03
  SPEAKER_02: So get started with the Kenyan market because that is what you interact with on
• 10:08
  SPEAKER_02: a day-to-day basis.
• 10:10
  SPEAKER_02: And once you are comfortable with the market movement,
• 10:13
  SPEAKER_02: then you can get started with understanding the US market as well.
• 10:17
  SPEAKER_02: And thanks to the HISA app, you have access to bold markets.
• 10:21
  SPEAKER_00: That's a very good point to note, to stack in any seed market.
• 10:26
  SPEAKER_00: But let me just stick with you a bit for a minute.
• 10:29
  SPEAKER_00: Let's talk about fractional shares, which I think she's often.
• 10:33
  SPEAKER_00: So maybe just talk to us,
• 10:35
  SPEAKER_00: what are actually fractional shares for those
• 10:37
  SPEAKER_00: who may not be understanding what they earn in investing through fractional shares?
• 10:42
  SPEAKER_00: What's the least amount that someone can cut with investing through fractional shares?
• 10:48
  SPEAKER_00: And if they want to own a piece of,
• 10:49
  SPEAKER_00: say, Apple or Tesla, how do they go about that using fractional shares?
• 10:55
  SPEAKER_02: So the fractional shares comes in when you want to invest in the US market.
• 11:00
  SPEAKER_02: On the HESA app, you can start by only not one, but a 0.1% of a share.
• 11:07
  SPEAKER_02: So fractional shares are For example,
• 11:11
  SPEAKER_02: if a company's share price is $200 and you have $20 to invest,
• 11:14
  SPEAKER_02: you don't necessarily need to invest.
• 11:25
  SPEAKER_02: If the underlying stock increases by 10%,
• 11:27
  SPEAKER_02: the value of your fractional investment would also increase by that 10%
• 11:32
  SPEAKER_02: before considering the applicable fees and other factors.
• 11:52
  SPEAKER_02: So the important thing to understand is
• 11:54
  SPEAKER_02: that fractional ownership gives you economic exposure to a portion of that stock.
• 12:01
  SPEAKER_02: It doesn't mean you're buying a discount of the whole shares.
• 12:05
  SPEAKER_02: So that is what ideally fractional investing is.
• 12:09
  SPEAKER_02: You get to own a portion of one whole share of that company.
• 12:14
  SPEAKER_00: And what's the minimum amount you recommend someone to start reading them?
• 12:17
  SPEAKER_02: On the Heater app, you can get started with investing in US stock with a minimum of 1 USD.
• 12:25
  SPEAKER_02: So with 130 shilling,
• 12:28
  SPEAKER_02: you can become part owner of these companies,
• 12:30
  SPEAKER_02: the likes of Apple, Google, Tesla, and the like.
• 12:34
  SPEAKER_02: So with 1 USD, you can get started.
• 12:37
  SPEAKER_02: Thank you for that.
• 12:39
  SPEAKER_00: Now, also lets users hold both local currency and dollar wallets when they add wallet options.
• 12:45
  SPEAKER_00: So what's the advantage of investing in earning dollars for a Canadian user?
• 12:50
  SPEAKER_00: And especially, we get this question often, yes.
• 12:53
  SPEAKER_00: If I want to hedge against the shilling,
• 12:56
  SPEAKER_00: can I invest my money in dollar denominated kind of assets?
• 13:00
  SPEAKER_00: And isn't given that it allows Wallets to hold both currency in Kenyan and Wallets,
• 13:05
  SPEAKER_00: the Kenyan shillings?
• 13:06
  SPEAKER_00: What's the advantage of investing in dollar as a Kenyan user?
• 13:10
  SPEAKER_00: Ahmed, you can take that.
• 13:12
  SPEAKER_01: Primary advantage in holding your investments
• 13:14
  SPEAKER_01: in dollars basically protects your pocket in power, right?
• 13:18
  SPEAKER_01: Dollar being the de facto global reserve currency.
• 13:22
  SPEAKER_01: As we know, over time, dollar has held its value over 10 and 10,000.
• 13:26
  SPEAKER_01: I think that you're able to actually hold a portion of your savings in your destiny.
• 13:32
  SPEAKER_01: And we use that to purchase U.S. stocks, which gives you global exposure.
• 13:38
  SPEAKER_01: And that ensures that you are able to actually access the global markets as well
• 13:44
  SPEAKER_01: as get returns in USD on your investments.
• 13:48
  SPEAKER_01: So through HISA,
• 13:50
  SPEAKER_01: you're basically able to diversify things,
• 13:52
  SPEAKER_01: not just market risk, but currency risk as well by investing in the USD.
• 13:56
  SPEAKER_02: Maybe I can add something else.
• 13:59
  SPEAKER_02: So under HISA app,
• 14:01
  SPEAKER_02: In addition to having the ability to deposit in USD,
• 14:05
  SPEAKER_02: you also get to earn a dividend in USD.
• 14:09
  SPEAKER_02: And once a company issues the dividend,
• 14:13
  SPEAKER_02: the amount is deposited into your USD one on the Hista app.
• 14:18
  SPEAKER_02: So just to add on to what Omar has said.
• 14:22
  SPEAKER_00: Yes, Eric, here.
• 14:24
  SPEAKER_00: I'm just holding forth a little bit.
• 14:26
  SPEAKER_00: Maybe I can ask one question since I'm here.
• 14:28
  SPEAKER_00: A curious question that I've gotten a few times in
• 14:30
  SPEAKER_00: the past was there were some challenges at some point with drawers.
• 14:33
  SPEAKER_00: Has that been rectified?
• 14:35
  SPEAKER_00: Maybe Umar or Getrid can speak to some people who have had issues in
• 14:38
  SPEAKER_00: the past perhaps and you can respond to them.
• 14:40
  SPEAKER_00: And I give it back to Ryan.
• 14:42
  SPEAKER_01: Okay, awesome.
• 14:42
  SPEAKER_01: So for withdrawals, yes.
• 14:44
  SPEAKER_01: So we know for the longest,
• 14:45
  SPEAKER_01: some users have been requesting to be able to withdraw in USD,
• 14:49
  SPEAKER_01: which is something that we're currently introducing into the HESA app.
• 14:53
  SPEAKER_01: Not just funding, but also USD withdrawals.
• 14:55
  SPEAKER_01: Currently, we do have now a way for users to actually withdraw in USD.
• 15:02
  SPEAKER_01: So whatever currency they prefer to receive and payment in, we support both on HESA.
• 15:07
  SPEAKER_00: Thank you so much.
• 15:07
  SPEAKER_00: I'm back now to the technical here.
• 15:09
  SPEAKER_00: There's a link for downloading the HESA app on the comment sections.
• 15:13
  SPEAKER_00: You can just click on it and go directly to download the HESA app and get
• 15:16
  SPEAKER_00: the experience of what you're talking about as well.
• 15:19
  SPEAKER_00: You can just go through the features as we go through some of them.
• 15:23
  SPEAKER_00: Now, there's also a feature of MarketWatch and News down just at the app.
• 15:27
  SPEAKER_00: That feature,
• 15:28
  SPEAKER_00: how does it help beginners to make the first decisions and what kind of news appears
• 15:33
  SPEAKER_00: on that feature?
• 15:35
  SPEAKER_00: Given that we live in the world of social media
• 15:37
  SPEAKER_00: and there's too much information everywhere
• 15:39
  SPEAKER_00: and maybe tell us how this feature can be helpful for someone to just break down
• 15:44
  SPEAKER_00: the information that they get in for them to make informed decisions when it comes
• 15:48
  SPEAKER_00: to investing through it.
• 15:50
  SPEAKER_01: That's a good question.
• 15:51
  SPEAKER_01: So for the MarketWatcher News,
• 15:53
  SPEAKER_01: what they do is basically give you contexts before you commit money.
• 15:58
  SPEAKER_01: As a user, we want to ensure that we give you on Hitha all the tools.
• 16:02
  SPEAKER_01: You need to make an informed decision on every market.
• 16:05
  SPEAKER_01: Investments that you make.
• 16:07
  SPEAKER_01: So with market and the news, I will show you what's moving in markets and why that's moving.
• 16:12
  SPEAKER_01: We aggregate different data sources to provide you the latest and
• 16:16
  SPEAKER_01: the most reliable information on all latest stocks on both the Kenyan as well as
• 16:21
  SPEAKER_01: the U.S. market.
• 16:23
  SPEAKER_01: This combined with Atlas, our AI resistance.
• 16:28
  SPEAKER_01: Basically gives you a very powerful tool for navigating these markets, right?
• 16:33
  SPEAKER_01: Because you can see the news,
• 16:35
  SPEAKER_01: understand why certain stocks are moving in certain ways,
• 16:39
  SPEAKER_01: and also actually asks our AI contextual Questions about an investment or
• 16:44
  SPEAKER_01: a come home before you actually play trade with them.
• 16:48
  SPEAKER_01: So for beginners,
• 16:49
  SPEAKER_01: I believe this is a very powerful combination that they definitely can use right
• 16:54
  SPEAKER_01: before they buy.
• 16:55
  SPEAKER_01: We actually do recommend a lot of beginners try it out and do your own research
• 17:00
  SPEAKER_01: before placing any trades.
• 17:01
  SPEAKER_01: So yeah, that's how those work.
• 17:03
  SPEAKER_00: And how does Isa think about the balance between making investing easy?
• 17:08
  SPEAKER_00: And making sure people understand the risks involved when it comes to investing,
• 17:13
  SPEAKER_00: especially when you're touching offshore market.
• 17:15
  SPEAKER_00: How do you balance between having fun while investing at it and also looking at
• 17:20
  SPEAKER_00: the risks involved, especially in terms of volatility?
• 17:23
  SPEAKER_00: How does one balance that?
• 17:25
  SPEAKER_01: Such a good question.
• 17:26
  SPEAKER_01: When we think about easy, easy for us is primarily easy to understand.
• 17:32
  SPEAKER_01: So we try to ensure that our user experience on the app is very simple
• 17:37
  SPEAKER_01: and we keep all the risk and all the different parameters that go into making
• 17:41
  SPEAKER_01: an investment very visible for the users.
• 17:43
  SPEAKER_01: Things like ensuring that we're able to show you accurate market data
• 17:48
  SPEAKER_01: and we actually do features that ensure that one,
• 17:53
  SPEAKER_01: This is a fun for the users to actually please trade on Hitha.
• 17:57
  SPEAKER_01: One of my favorite ones is for the U.S. market to do something called Time Machine.
• 18:00
  SPEAKER_01: What Time Machine does is like a little slider that allows you to see what the price
• 18:06
  SPEAKER_01: of it has been over time.
• 18:09
  SPEAKER_01: So, for example,
• 18:10
  SPEAKER_01: you can see if you had invested $1,000 in Apple,
• 18:14
  SPEAKER_01: you can slightly see what maybe you had done it like five years ago,
• 18:17
  SPEAKER_01: or that would be today,
• 18:18
  SPEAKER_01: which kind of shows you how the market has evolved over time.
• 18:21
  SPEAKER_01: And it's kind of like a fun,
• 18:23
  SPEAKER_01: For users to be able to, you know, make it a little more intuitive and engaging.
• 18:30
  SPEAKER_01: For users to interact with the markets.
• 18:33
  SPEAKER_01: Another one is to place trades, for example.
• 18:35
  SPEAKER_01: So even in the way we designed placing trades.
• 18:38
  SPEAKER_01: This is a multi-step process that shows both transparency of everything
• 18:43
  SPEAKER_01: that is going on that beach step of the way from how much you are going to get to
• 18:48
  SPEAKER_01: the breakdown of the order to even when you want to place the trades confirmation,
• 18:52
  SPEAKER_01: right?
• 18:53
  SPEAKER_01: Made confirmation process very interactive.
• 18:56
  SPEAKER_01: So the user follows it and ensures that engaging the user when
• 18:59
  SPEAKER_01: the finally confirmed trade,
• 19:01
  SPEAKER_01: we have animations as well that ensure that the user also sees The feedback response
• 19:07
  SPEAKER_01: to please trade.
• 19:08
  SPEAKER_01: Now with all of these features and as the user goes through the journey of creating
• 19:12
  SPEAKER_01: a trade,
• 19:13
  SPEAKER_01: we ensure we also show a lot of like information, there's tooltips everywhere.
• 19:17
  SPEAKER_01: We have like sheet and information pop-up basically for the user at every step of
• 19:22
  SPEAKER_01: the way for them to understand the process and basically enjoy it
• 19:27
  SPEAKER_01: while making it very easy and fun all three.
• 19:30
  SPEAKER_00: Now, I move on to Gesund, and I want to talk about communities and social investing features.
• 19:35
  SPEAKER_00: But before I mention that, we have a question in the comments section.
• 19:39
  SPEAKER_00: That is Jeff.
• 19:39
  SPEAKER_00: Jeff is asking, how is taxation handled for earnings from both foreign and domestic markets?
• 19:45
  SPEAKER_00: Maybe Gesundi can take that.
• 19:47
  SPEAKER_02: On the HESA app,
• 19:48
  SPEAKER_02: once you earn dividends,
• 19:50
  SPEAKER_02: because you will be investing as a foreign investor,
• 19:53
  SPEAKER_02: the taxation on that dividend amount is 30%,
• 19:57
  SPEAKER_02: but by the time the amount is being deposited into your So as a foreign investor or
• 20:08
  SPEAKER_02: a Kenyan investor investing in the US market, you don't have to worry about that.
• 20:12
  SPEAKER_02: By the time the amount is reaching your wallet, it is net of tax.
• 20:17
  SPEAKER_02: So yeah, in the US market, you're taxed 30%.
• 20:21
  SPEAKER_02: In the Kenyan market, I believe it is 5%.
• 20:24
  SPEAKER_02: And by the time the amount is reaching your wallet, that amount has already been deducted.
• 20:30
  SPEAKER_02: So I believe that answered that question.
• 20:33
  SPEAKER_00: Now on the topic of communities and social investing,
• 20:36
  SPEAKER_00: I understand that is something also he has with them.
• 20:39
  SPEAKER_00: So which kind of communities do his or her in terms and how helpful are they
• 20:45
  SPEAKER_00: when it comes to helping investors and making decisions?
• 20:49
  SPEAKER_00: Maybe seeing up to date with investment news or news just in the markets.
• 20:54
  SPEAKER_00: New communities are available.
• 20:56
  SPEAKER_00: And how do we make sure this indicates rather than in currently risking rents
• 21:01
  SPEAKER_00: when you country these communities?
• 21:02
  SPEAKER_00: Because I tend to understand that in a country community,
• 21:06
  SPEAKER_00: it means you have as well many people just be collected.
• 21:09
  SPEAKER_00: Probably from these other social media spaces, getting into another space again.
• 21:15
  SPEAKER_00: So how do you ensure that in those communities that you will mention to us
• 21:19
  SPEAKER_00: that you have,
• 21:20
  SPEAKER_00: that it's actually also educating more than encouraging copious ingress?
• 21:25
  SPEAKER_02: That's a very good question.
• 21:27
  SPEAKER_02: On HESA, we have two community channels.
• 21:31
  SPEAKER_02: One of it is on Telegram and the other one is on WhatsApp.
• 21:36
  SPEAKER_02: That is, once you become an investor on the HESA app, you'll get a LinkedIn.
• 21:40
  SPEAKER_02: Join these channels.
• 21:42
  SPEAKER_02: And one of the most useful things about a community is
• 21:45
  SPEAKER_02: that beginners can ask questions they might otherwise be embarrassed to ask.
• 21:51
  SPEAKER_02: For example,
• 21:52
  SPEAKER_02: someone might see a discussion about a company's earnings and Ask what
• 21:57
  SPEAKER_02: an earnings report means.
• 21:59
  SPEAKER_02: And for anyone who is not in an investment community, you might not have someone to ask.
• 22:05
  SPEAKER_02: But once you join the HISA community, there are no questions that you are not permitted to ask.
• 22:10
  SPEAKER_02: To ask or they could ask why a stock has moved after an announcement.
• 22:16
  SPEAKER_02: Well, we do our best to share this expertise,
• 22:20
  SPEAKER_02: but other investors also do explain concepts and share how they interpret
• 22:26
  SPEAKER_02: the information.
• 22:27
  SPEAKER_02: That kind of interaction can turn a market event into a learning opportunity
• 22:32
  SPEAKER_02: for both new and experienced investors rather than focusing on one person's trade
• 22:39
  SPEAKER_02: and saying, I made money because I bought this stock.
• 22:42
  SPEAKER_02: The greater value is understanding the reasoning,
• 22:45
  SPEAKER_02: the research and the risk behind an investment decision.
• 22:49
  SPEAKER_02: And this is one of the things that we have been focusing on since the inception of the HISA hub.
• 22:55
  SPEAKER_02: Because we understand that it is easy for you to simply copy what someone has bought
• 23:00
  SPEAKER_02: and so forth.
• 23:01
  SPEAKER_02: But if you do not understand why that person made that choice,
• 23:06
  SPEAKER_02: at the end of the day, you'll be reliant on that person.
• 23:10
  SPEAKER_02: And to be honest,
• 23:11
  SPEAKER_02: growth comes about once you understand why a person might choose
• 23:16
  SPEAKER_02: to buy this stock rather than the other stock.
• 23:19
  SPEAKER_02: And the HISA community is a community that loves to share.
• 23:23
  SPEAKER_02: And that is one of the things that they do.
• 23:24
  SPEAKER_02: So if you're an investor and you're not on HISA,
• 23:27
  SPEAKER_02: you are missing out on the HISA community, a learning opportunity.
• 23:40
  SPEAKER_00: In the beginning,
• 23:41
  SPEAKER_00: you mentioned that someone has to start investing with HESA to join the community.
• 23:46
  SPEAKER_00: Does it mean if I want to join HESA community and I haven't started investing
• 23:51
  SPEAKER_00: with HESA,
• 23:52
  SPEAKER_00: I'm unable to join or do I have a window where I can join and start learning
• 23:56
  SPEAKER_00: about HESA and then in the process, also start investing with HESA?
• 24:00
  SPEAKER_02: Once you download the app and simply become an investor on the Hissa app,
• 24:06
  SPEAKER_02: even before buying your first stock, you are given access to this community.
• 24:12
  SPEAKER_02: And for most of our investors,
• 24:15
  SPEAKER_02: Because let's be honest,
• 24:17
  SPEAKER_02: this financial information has not been privy to us unless you go out there and try
• 24:23
  SPEAKER_02: to understand the markets.
• 24:24
  SPEAKER_02: Most of us go throughout our lives not knowing about the capital markets.
• 24:30
  SPEAKER_02: You don't have to start buying, but once you join the community, you can start learning.
• 24:38
  SPEAKER_02: And yeah, that's just one of the benefits of business.
• 24:45
  SPEAKER_02: Becoming an investor on HESA.
• 24:47
  SPEAKER_02: You don't have to have the market knowledge.
• 24:49
  SPEAKER_02: You can learn as you go through our tools on the app and through our community.
• 24:55
  SPEAKER_00: Thank you, Genswin.
• 24:57
  SPEAKER_00: And now move to Ahmed.
• 24:58
  SPEAKER_00: Let's now talk a little bit about the near future or then maybe the later future of HESA.
• 25:04
  SPEAKER_00: Is that possibility for HESA to expand into money market funds,
• 25:08
  SPEAKER_00: maybe transferring corporate bond that is fixed income,
• 25:11
  SPEAKER_00: over advisory tools, maybe through AI partnerships?
• 25:15
  SPEAKER_00: Is there such conversations or are there upcoming things like this?
• 25:19
  SPEAKER_00: And what should new users expect to see on the platform?
• 25:22
  SPEAKER_00: Let's just say maybe next time because we are in times where time is really norming
• 25:26
  SPEAKER_00: so fast and a lot can happen even within a year.
• 25:28
  SPEAKER_00: So are we expecting ISA to maybe just move from the stocks markets?
• 25:33
  SPEAKER_00: That's a great question.
• 25:34
  SPEAKER_00: Of course, yes,
• 25:35
  SPEAKER_00: I would say Shisa is a very dynamic platform in that regard,
• 25:37
  SPEAKER_00: because one of the things
• 25:48
  SPEAKER_01: I know that some of our investors tell us is,
• 25:50
  SPEAKER_01: you know, when you log in on this, a new feature is launched almost every week.
• 25:54
  SPEAKER_01: We're rapidly looking to ensure that we are adding
• 25:57
  SPEAKER_01: as many wealth-building opportunities for our investors to participate in.
• 26:03
  SPEAKER_01: Like you mentioned,
• 26:04
  SPEAKER_01: from money market funds that are coming up to fixed income,
• 26:06
  SPEAKER_01: things that are coming up as well.
• 26:09
  SPEAKER_01: And also just expanding the markets.
• 26:11
  SPEAKER_01: They have access to other markets beyond just the U.S. and Kenya, across the globe as well.
• 26:16
  SPEAKER_01: Currently, their income stations also open.
• 26:18
  SPEAKER_01: We are looking at new markets and new vehicles as well beyond traditional stocks
• 26:23
  SPEAKER_01: and equity and stocks.
• 26:24
  SPEAKER_01: We are also looking at things as interesting as in commodities as well.
• 26:30
  SPEAKER_01: Also, everything we do on GISA is Gared towards basically ensuring
• 26:35
  SPEAKER_01: that investors have access to this wealth,
• 26:38
  SPEAKER_01: building opportunities across the globe,
• 26:41
  SPEAKER_01: not just because of their local and U.S. markets.
• 26:43
  SPEAKER_01: In terms of all the changes for them to make decisions, we're constantly evolving the app.
• 26:48
  SPEAKER_01: So here is our investors access to more data as well.
• 26:51
  SPEAKER_01: For more data in terms of things like Audible,
• 26:54
  SPEAKER_01: people kind of shows into all these companies that they are interested
• 26:58
  SPEAKER_01: in investing risk.
• 26:59
  SPEAKER_01: We're able to actually give them that data.
• 27:01
  SPEAKER_01: And that's something that we're also looking at in the near future.
• 27:04
  SPEAKER_01: In less than in a few months, I mean, HISA is very dynamic.
• 27:06
  SPEAKER_01: And these features are things that we're currently doing and we're excited.
• 27:10
  SPEAKER_01: So this is just like a photo of the iceberg.
• 27:13
  SPEAKER_01: I guess people
• 27:19
  SPEAKER_00: have to join the communities and download the app so
• 27:23
  SPEAKER_00: that we don't miss out on whatever piece I will come up with.
• 27:26
  SPEAKER_00: Now, Gersud,
• 27:27
  SPEAKER_00: as you finish up,
• 27:28
  SPEAKER_00: what kind of advice would you give someone who is afraid or is just starting
• 27:32
  SPEAKER_00: to invest?
• 27:33
  SPEAKER_00: Probably they're just good at saving people.
• 27:36
  SPEAKER_00: And maybe just putting money aside for money market funds,
• 27:40
  SPEAKER_00: but they are afraid to take risks and go to the next step and invest into
• 27:44
  SPEAKER_00: the offshore markets or dive into the NSE markets.
• 27:48
  SPEAKER_00: What advice would you give someone who has never done that,
• 27:51
  SPEAKER_00: but they want to try, but they keep on just postponing that?
• 27:55
  SPEAKER_00: And because I think we have some people who...
• 27:57
  SPEAKER_00: How I attended so many classes, so many sessions on how to start investing.
• 28:02
  SPEAKER_00: You're having another session today of how to kick the current investment journey.
• 28:06
  SPEAKER_00: How do you tell someone who is only just putting in one leg?
• 28:10
  SPEAKER_00: How do you guide them to start investing?
• 28:12
  SPEAKER_02: One piece of advice I would share with anyone who's on the fence with certain things
• 28:19
  SPEAKER_02: in the stock market is that one,
• 28:22
  SPEAKER_02: the opportunities to draw your wealth in the stock market are bigger
• 28:28
  SPEAKER_02: than what other products give you access to.
• 28:32
  SPEAKER_02: So, don't rush.
• 28:33
  SPEAKER_02: Start with understanding how the stock market works.
• 28:37
  SPEAKER_02: And the good thing is that right now,
• 28:39
  SPEAKER_02: and like a few months ago, where,
• 28:41
  SPEAKER_02: for example,
• 28:42
  SPEAKER_02: in the Kengen stock market, he needed to buy 100 shares so that he can sell.
• 28:46
  SPEAKER_02: So, first things first, understand how you can make money in the stock market and as you are
• 29:01
  SPEAKER_02: Start learning because you never stop learning.
• 29:04
  SPEAKER_02: Even as much as in this market for the last few years, we keep learning new things.
• 29:10
  SPEAKER_02: So start with understanding.
• 29:12
  SPEAKER_02: Once you have the basics intact, start with a small amount.
• 29:16
  SPEAKER_02: As I said, in the Canadian stock market, you can buy just one share of an listed company.
• 29:21
  SPEAKER_02: Start with that as you continue to learn about the stock market
• 29:26
  SPEAKER_02: because you don't need to know everything before you can start.
• 29:29
  SPEAKER_02: But you should understand the basics,
• 29:32
  SPEAKER_02: what you're investing in,
• 29:33
  SPEAKER_02: why you are investing in,
• 29:35
  SPEAKER_02: how much you can afford to invest in, and what could cost you to lose money.
• 29:40
  SPEAKER_02: Because as much as we say that the stock market is a high reward kind of asset,
• 29:46
  SPEAKER_02: It also has high rates.
• 29:48
  SPEAKER_02: So understand what you are comfortable with.
• 29:52
  SPEAKER_02: Start with a small amount as you continue to learn about these markets.
• 29:57
  SPEAKER_02: And let's be honest, don't let fear be the reason.
• 30:01
  SPEAKER_02: So don't let that opportunity go because you are scared.
• 30:04
  SPEAKER_02: Start with a small amount, start with one share and continue learning.
• 30:22
  SPEAKER_00: Now, Gitu,
• 30:22
  SPEAKER_00: just to throw out a whole panel in that conversation,
• 30:25
  SPEAKER_00: what are some of the practical ways someone can make money from investing in a stock
• 30:30
  SPEAKER_00: or someone can make money in the stock market?
• 30:32
  SPEAKER_00: Maybe just to paint it black and white.
• 30:35
  SPEAKER_00: How do people make money from that stock market?
• 30:38
  SPEAKER_02: Ideally,
• 30:39
  SPEAKER_02: maybe you can just get started with understanding this is
• 30:42
  SPEAKER_02: a stock market one-on-one session.
• 30:45
  SPEAKER_02: So understand what is the stock market.
• 30:48
  SPEAKER_02: The stock market is simply a market where you go to buy and sell these shares.
• 30:53
  SPEAKER_02: And these shares are simply units of ownership in companies, the like of Safaricom.
• 30:59
  SPEAKER_02: As we have said right now,
• 31:01
  SPEAKER_02: you can buy just one share of Safaricom and everyone in this space knows
• 31:07
  SPEAKER_02: about Safaricom.
• 31:08
  SPEAKER_02: And ideally,
• 31:09
  SPEAKER_02: when you are getting started with investing,
• 31:12
  SPEAKER_02: there are two ways you can make money in the stock market.
• 31:16
  SPEAKER_02: One, it is when these companies make profit and these companies can choose, keyword can choose.
• 31:23
  SPEAKER_02: The second way is Capital Appreciation.
• 31:25
  SPEAKER_02: This is whereby you buy, let's pick Safari Combs as our example in this.
• 31:28
  SPEAKER_02: So write
• 31:38
  SPEAKER_02: Right now, Safaricom is trading around 35 to 37 shillings.
• 31:42
  SPEAKER_02: Let's say that you buy it at 37 shillings right now and it moves to 45 shillings by
• 31:50
  SPEAKER_02: the end of next week.
• 31:51
  SPEAKER_02: So you can buy it at 37.
• 31:54
  SPEAKER_02: And that difference will be your profit.
• 31:59
  SPEAKER_02: So those are the two ways you can make money with stocks.
• 32:02
  SPEAKER_02: Capital appreciation and dividend.
• 32:05
  SPEAKER_02: And I can share one other benefit also.
• 32:08
  SPEAKER_02: So becoming an investor is as easy as downloading the HESA.
• 32:24
  SPEAKER_02: And getting to learn the basics of the stock market.
• 32:28
  SPEAKER_02: And the thing is,
• 32:29
  SPEAKER_02: these opportunities are now accessible to the everyday investor with 37 shillings
• 32:35
  SPEAKER_02: before commission.
• 32:38
  SPEAKER_02: That's very interesting.
• 32:38
  SPEAKER_02: I guess, again, we have to download the app and get to understand
• 32:53
  SPEAKER_00: Thank you so much for joining us.
• 33:19
  SPEAKER_01: For a user that wants to access global markets on Hitha,
• 33:23
  SPEAKER_01: the first step to that is,
• 33:25
  SPEAKER_01: as always,
• 33:26
  SPEAKER_01: she will have a plan,
• 33:28
  SPEAKER_01: which most times when I talk to people about that,
• 33:31
  SPEAKER_01: I always say,
• 33:32
  SPEAKER_01: if you're new to investing,
• 33:34
  SPEAKER_01: invest And you find that when you cheat investment, simple, based
• 33:56
  SPEAKER_01: And very predictable.
• 33:57
  SPEAKER_01: You're able to make a lot of money.
• 33:59
  SPEAKER_01: And what Sisa helped you do in that regard is gives you, first of all, an easy access.
• 34:05
  SPEAKER_01: Like Gertrude was mentioning,
• 34:06
  SPEAKER_01: with just $1,
• 34:07
  SPEAKER_01: you're able to own a chip of these highly rated and highly valued stocks.
• 34:12
  SPEAKER_01: And with Sisa, we also are giving you not just access, but also information as well.
• 34:18
  SPEAKER_01: The reason is power in this stage where you are able to not just So if you want
• 34:23
  SPEAKER_01: to see these companies, we also understand how these companies work.
• 34:27
  SPEAKER_01: Basically, first of all, we give you live real-time data on these companies' performance.
• 34:32
  SPEAKER_01: We give you deep financials as well, so you can actually see their performance over time.
• 34:38
  SPEAKER_01: So, we're going to talk about how we're going to talk about how we're going to talk
• 34:41
  SPEAKER_01: about how we're going to talk about how we're going to talk about how we're going
• 34:44
  SPEAKER_01: to talk about how we're going to talk about how we're going to talk
• 34:48
  SPEAKER_01: about how we're going to talk about how we're going to talk about how we're
• 34:52
  SPEAKER_01: So Apple,
• 34:53
  SPEAKER_01: if you have to obtain $8,000,
• 34:54
  SPEAKER_01: using TimeRashin teacher,
• 34:54
  SPEAKER_01: if you have to obtain $8,000 a few years ago,
• 34:55
  SPEAKER_01: $8,000 plus $8,000 plus $8,000 plus $8,000 plus $8,000 plus $8,000 plus $8,000 plus
• 34:57
  SPEAKER_01: $8,000 plus $8,000 plus $8,000 plus $8,000 plus $8,000 plus $8,000 plus $8,000 plus
• 34:59
  SPEAKER_01: $8,000 plus $8,000 plus $8,000 plus $8,000 plus $8,000 plus $8,000 plus $8,000 plus
• 35:01
  SPEAKER_01: $8,000 plus $8,000 plus $8,000 plus $8,000 plus $8,000 plus $8,000 plus $8,000 plus
• 35:03
  SPEAKER_01: $8,000 plus $8,000 plus $8,000 plus $8,000 plus $8,000 plus $8,000 plus $8,000 plus
• 35:06
  SPEAKER_01: $8,000 plus $8,000 plus $8,000 plus We use the stock screener
• 35:09
  SPEAKER_01: to not just ingesting familiar companies,
• 35:12
  SPEAKER_01: but also companies that are within the radio are very similar to companies
• 35:17
  SPEAKER_01: that you're familiar with.
• 35:18
  SPEAKER_01: So a thing called if you're familiar with NVIDIA, you can also explore Ajit.
• 35:22
  SPEAKER_01: I think a lot of people do this day, just looking at performance in the semiconductor industry,
• 35:38
  SPEAKER_01: You can actually access companies in this market still.
• 35:53
  SPEAKER_01: Is HISA able to do all of that?
• 35:54
  SPEAKER_01: And finally, we saw a powerful AI tool, right?
• 35:57
  SPEAKER_01: Not just only relying on your digital users and your understanding of how the companies operate.
• 36:04
  SPEAKER_01: With AI,
• 36:04
  SPEAKER_01: we're also moving that into the HISA experience
• 36:07
  SPEAKER_01: where AI is It will help you supercharge the experience of investing.
• 36:11
  SPEAKER_01: You can actually use the AI as a sort of investment co-pilot, right?
• 36:16
  SPEAKER_01: You actually,
• 36:17
  SPEAKER_01: what will take your fees for deploying capital for investing into these companies,
• 36:21
  SPEAKER_01: right?
• 36:21
  SPEAKER_01: And all of this, you can do in one single app.
• 36:24
  SPEAKER_01: Information,
• 36:25
  SPEAKER_01: all the data you need,
• 36:27
  SPEAKER_01: an intelligent co-pilot as well,
• 36:29
  SPEAKER_01: and at the one market,
• 36:31
  SPEAKER_01: all in one place,
• 36:32
  SPEAKER_01: if you are available or in the industry and you are in a very early
• 36:36
  SPEAKER_01: and user-friendly interest.
• 36:37
  SPEAKER_00: Thank you.
• 36:38
  SPEAKER_00: I think we all love any app that has an AI build in it to make it pretty much easier, maybe.
• 36:44
  SPEAKER_00: I'm happy to hear that Hisa has that feature in them.
• 36:47
  SPEAKER_00: So if you haven't downloaded the Hisa app,
• 36:49
  SPEAKER_00: there's a link in the comment section and you can just click on it and download.
• 36:52
  SPEAKER_00: Download the HESA app.
• 36:53
  SPEAKER_00: You can go through the features just to navigate through and understand some
• 36:57
  SPEAKER_00: of those features and how to just start investing.
• 36:59
  SPEAKER_00: But actually downloading the app,
• 37:01
  SPEAKER_00: if someone wants to talk to HESA on a different platform,
• 37:05
  SPEAKER_00: just tell us maybe Ahmed where someone can find HESA.
• 37:09
  SPEAKER_00: On which platform can they find you as a password for this conversation?
• 37:13
  SPEAKER_01: Sheetha is available for both iOS and Android.
• 37:16
  SPEAKER_01: And users can download them off their Playstores without the Android,
• 37:19
  SPEAKER_01: Playstore, and then the Apple App Store.
• 37:21
  SPEAKER_00: Thank you.
• 37:22
  SPEAKER_00: So anyone who has a smartphone can actually access the HESA app.
• 37:25
  SPEAKER_00: Give it maybe a contribution to us at social media spaces maybe where someone can find HESA.
• 37:31
  SPEAKER_02: We are on all social media platforms.
• 37:34
  SPEAKER_02: We are here on ads as HESA app.
• 37:37
  SPEAKER_02: We are also on Instagram, TikTok, Facebook, Threads, YouTube.
• 37:43
  SPEAKER_02: And the best part is that once you...
• 37:46
  SPEAKER_02: You send us a direct message that is once you DM us between the working hours,
• 37:52
  SPEAKER_02: our customer support team will be there to assist you.
• 37:56
  SPEAKER_02: So feel free to DM us in case you need assistance getting started on the HESA app.
• 38:02
  SPEAKER_02: We also have a WhatsApp and call channel that is 011-622221.
• 38:10
  SPEAKER_02: You can find us on WhatsApp as well and via email at hello at HESA.
• 38:16
  SPEAKER_02: So we are everywhere.
• 38:20
  SPEAKER_00: For those who are asking, can everyone access it to Android?
• 38:24
  SPEAKER_00: Or is it open to everyone Android?
• 38:26
  SPEAKER_00: Yes, I think Ahmed has mentioned you can download it from iOS or Android.
• 38:31
  SPEAKER_00: So I guess that means anyone anywhere in the world can download the app and use it.
• 38:38
  SPEAKER_00: I would like Ahmed to clarify on that.
• 38:40
  SPEAKER_00: Yes, you can download the app, but can it be used anywhere in the world?
• 38:45
  SPEAKER_01: Yes, it can.
• 38:46
  SPEAKER_00: Okay.
• 38:46
  SPEAKER_00: So it's been a nice conversation,
• 38:48
  SPEAKER_00: but I want to take short,
• 38:50
  SPEAKER_00: both you Ahmed and Getsud, and also just close the conversation.
• 38:55
  SPEAKER_01: I would say we are currently living in the middle of the greatest wealth transfer
• 39:02
  SPEAKER_01: in recent history.
• 39:03
  SPEAKER_01: And Shisa is positioned to ensure that investors can actually capture as much value
• 39:09
  SPEAKER_01: from the global markets as possible.
• 39:11
  SPEAKER_01: That is our mission, to connect with investors to global world building opportunities.
• 39:16
  SPEAKER_01: We're rolling out very soon a lot of features that are going to ensure that
• 39:21
  SPEAKER_01: the investors are not only able to access these opportunities,
• 39:25
  SPEAKER_01: but also take advantage of them.
• 39:27
  SPEAKER_01: And we want Admin Africans as well as investors worldwide to use ETA
• 39:32
  SPEAKER_01: as their gateway or as their platform to navigate global markets.
• 39:37
  SPEAKER_01: And we will continue to ensure we remain the number one app for this globally.
• 39:44
  SPEAKER_01: Thank you.
• 39:45
  SPEAKER_02: I would like to share that this is the best time to get started.
• 39:51
  SPEAKER_02: If you have not yet started your investment journey, this is the time to get started.
• 39:57
  SPEAKER_02: And it has never been easier to start investing.
• 40:00
  SPEAKER_02: Investing in the stock market.
• 40:03
  SPEAKER_02: A few years ago, you needed to avail yourself to an office, fill out forms and all that.
• 40:11
  SPEAKER_02: But now it is as easy as downloading an app.
• 40:17
  SPEAKER_02: And uploading your document.
• 40:20
  SPEAKER_02: It is as easy as that.
• 40:22
  SPEAKER_02: So take advantage of this opportunity.
• 40:25
  SPEAKER_02: And because we are seeing so many folks making such big mistakes.
• 40:31
  SPEAKER_02: For example, some of the best performing stocks in the Kenyan stock market have gains of 400%.
• 40:38
  SPEAKER_02: And these are opportunities that you as a retail investor can take advantage of.
• 40:44
  SPEAKER_02: Just get started.
• 40:46
  SPEAKER_02: And in case you have any questions, feel free to DM us.
• 40:50
  SPEAKER_02: Or call us and we will help you get started on your investment journey.
• 40:55
  SPEAKER_02: And maybe a disclaimer, we do not give financial advice, but we do guide you.
• 41:01
  SPEAKER_02: So take advantage of this opportunity.
• 41:04
  SPEAKER_02: Thank you, everyone.
• 41:05
  SPEAKER_00: Thank you so much for that.
• 41:07
  SPEAKER_00: We've come to the end of the discussion today and we were basically talking
• 41:11
  SPEAKER_00: about how to start your investment journey and specifically using the HISA app.
• 41:16
  SPEAKER_00: It has been a good discussion with HISA app.
• 41:18
  SPEAKER_00: I hope you download the app so that you can get the full experience of the features
• 41:23
  SPEAKER_00: that Giza offers and also just to start your journey at the NFC or
• 41:28
  SPEAKER_00: the offshore markets.
• 41:29
  SPEAKER_00: Thank you once again and thank you for joining us tonight.