It’s mad to think two young Irish guys, school friends, would have the audacity to try to build a digital bank for the continent of Africa.  It’s all the more astonishing to me, because I’ve known them since we were teenagers. Tiernan Kennedy and Barry O’Mahony are cofounders of Umba, a digital bank currently operating in Nigeria, and with multiple other markets in its sights. Kennedy serves as CEO, O’Mahony as CFO. The scale of their project is mind-boggling. To pull it off, Umba needs an app as slick as Revolut’s. It has to build a credit scoring system from…

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