27/08/2025
🇰🇪 Your Excellency The President Dr. William Samoei Ruto
WHO WILL HELP ME GET STOLEN & DENIED JUSTICE?
Kenya Bankers Association have Stolen my innovation and rebranded it to PESALINK
They have gone ahead to bribe the High Court Judge to frustrate my efforts of getting justice and made her obstinately refuse to release a signed judgment for 2yrs 3 weeks to BLOCK my constitutional right to Appeal
What do you call the act of sitting on signed judgment for 2yrs 3 weeks - it is Judicial CORRUPTION
His Excellency, Dr William Ruto CGH President of the Republic of Kenya,
I am Steve Muikia, the original innovator behind an All-in-One Banking Innovation conceptualized in 2015—a real-time interbank transfer system designed to transform Kenya’s banking sector.
I write to formally document a decade-long journey of innovation, exploitation, and systemic judicial obstruction that continues to deny justice to Kenyan innovators.
Chronology of the Matter:
1. 2015 – Conceptualization and Development: I designed and developed the All-in-One Banking Innovation, which later became known as Pesalink
2. 2015 – Intellectual Property Protection: I protected my innovation with KECOBO, securing full intellectual property rights over the system.
3. 2015 – Pitching to Central Bank of Kenya (CBK): I approached CBK for guidance on implementing my system. CBK advised me to engage the Kenya Bankers Association (KBA) for consideration.
4. 2016 – Theft by Banks: Major Kenyan banks, through KBA, misappropriated my innovation without my express authority or compensation.
5. 2019–2023 – Court Process: I pursued legal recourse to reclaim my rights. During the judicial process, I experienced extraordinary procedural irregularities:
After the end of trial on 14th February 2023 at the High Court, the presiding judge took a further 155 days to write and read judgment, far beyond standard timelines.
To aggravate the matter further and defeat justice, Kenya Bankers Association and bank CEOs listed below bribed the High Court Judge Dorah to block my appeal .
Justice Chepkwony sat on the judgment and obstinately refused to release it to me.
Signed judgment is one of the critical documents to file an appeal and her refusal to release it BLOCKED my Appeal
The presiding judge only released the signed judgment on 14th August 2025, following public condemnation and outcry, as well as intervention and pressure from former Chief Justice Dr and Law Society of Kenya President Faith Odhiambo.
It's very worrying and painful that from 21st July 2023 the judgement was released on 14th August 2025 as documented in the attached memo from the Judicial Service Commission (JSC).
WHY WAS MY CONSTITUTIONAL RIGHTS TO APPEAL OUTRIGHTLY DENIED?
The denial was a direct result of corruption and undue influence within the judicial process.
International Comparison – The Makate “Please Call Me” Case:
In South Africa, Mr. Nkosana Makate invented the “Please Call Me” service, which was later commercialized by Vodacom without his consent.
South African courts ruled in favor of Makate, compelling the company to pay him rightful compensation. This demonstrates that innovators can be protected and compensated when courts uphold intellectual property rights.
Here in Kenya, the situation is different. Despite full KECOBO protection, clear evidence, and documented communication, my innovation has been expropriated by the banking cartel while the judiciary, influenced by corruption, blocked my constitutional right to appeal.
This creates a chilling message for Kenyan innovators and butchers the Spirit of Innovation in our country Kenya.
Mr. President, while you are looking at how to economically empower the youths of this country, your efforts are being doused by cartels like these banks, determined to ensure that your empowerment objectives are not realized.
Intellectual assets are well protected under our laws, yet the Kenya Bankers Association, under Paul Russo, stole PesaLink, bribed the judicial officer to dismiss my case on false grounds—that I was a Cooperative Bank staff while developing PesaLink—and claimed my proposal was merely an “idea” and not an innovation, ignoring the Kenya Copyright Board certificate.
Mr. Dennis Itumbi , Head of Creative Economy, kindly see to it and ensure that Kenyan innovators benefit from their creativity through proper compensation, without such innovation being stolen by entities like KBA merely because they have the financial power to corrupt our judiciary.
Individuals and Institutions Benefiting Unjustly from Pesalink Theft are:
✓Paul Russo – CEO, KCB Group
✓Joshua Oigara –MD Stanbic Bank Kenya
✓Gideon Muriuki – Managing Director, Co-op Bank Kenya
✓James Mwangi – CEO, Equity Bank Kenya
Current Situation:
Today, the PesaLink platform continues to generate billions of Kenyan shillings for these institutions, while I remain uncompensated. This is not merely a personal grievance; it represents a systemic failure that undermines innovation, justice, and public confidence in Kenya’s institutions.
Appeal to Your Excellency:
I humbly seek your intervention to:
✅Ensure recognition and restitution for my intellectual property rights.
✅Direct the relevant bodies to Investigate this abuse of office , the procedural anomalies and corruption that denied my constitutional rights and obstructed justice.
✅Protect Kenyan innovators from exploitation by powerful interests and reinforce confidence in our judiciary.
This matter presents a historic opportunity for Kenya to uphold justice, protect local innovation, and reinforce the credibility of its institutions.
Your leadership will ensure that those who have profited unjustly are held accountable, and that the rule of law prevails over powerful interests.
Sincerely,
Steve Muikia
Pesalink inventor
State House Kenya , Gordon Opiyo , Government of Kenya Spokesperson ,
Kithure Kindiki
