Today's guest is Ham Serunjogi, the Co-founder and CEO of Chipper Cash. In 2021, Chipper raised $150 million Series C extension, valuing the startup at $2 billion, but has since cut its valuation, reportedly by 70 percent, has engaged in three rounds of layoffs, reducing its headcount by nearly 175 from its peak of 450, and has drastically pulled back from its aggressive growth and expansion strategies across the continent. This conversation with Ham comes at an interesting time for Chipper and in the market, in general. Tough macro conditions on the continent, a slowdown of funding, tech layoffs. And at the same time, a lot of new and significant product launches for the company.   00:00 - Intro 03:05 - Long-term perspectives & time horizons 06:13 - Challenges operating across Africa 08:20 - Reflecting on Chipper's growth strategies 11:25 - Chipper ID 15:40 - Full-stack vs. focus 19:40 - Zoona acquisition & agent networks 26:04 - What lessons has Ham learned? 30:15 - Layoffs 31:45 - Capital allocation going forward 34:24 - Zepz acquisition? 37:07 - More lessons 43:39 - What does the future look like for Chipper? 🔗 Our Links🔔 Youtube -  https://youtube.com/@theflipafrica💻 Website - https://theflip.africa🐦 Twitter - https://twitter.com/theflipafrica👥 LinkedIn - https://www.linkedin.com/company/theflipafrica📸 Instagram - https://instagram.com/theflipafrica