Rostislav Sikora
AI Orchestrator & Loan Specialist | 25+ Years in Financial Technology
Last updated: 29 July 2026
About
Rostislav Sikora is a financial technology expert with over 25 years of experience in consumer lending, credit risk modeling, and AI-powered loan comparison platforms.
As the founder of Credizen, he built a transparent loan comparison platform that helps Kenyan consumers compare mobile loan providers with full transparency on fees, APR, and eligibility criteria, in compliance with CBK regulations and the Data Protection Act 2019.
His editorial approach emphasizes total cost transparency, clear disclosure of all fees, and connecting borrowers with CBK-regulated and licensed digital credit providers only.
Years in financial services
Countries covered by Credizen
Licensed lenders compared
Areas of Expertise
Kenyan Mobile Lending Regulations
Deep knowledge of CBK digital credit provider regulations, the CBK Amendment Act 2021, Data Protection Act 2019, and ODPC compliance requirements for mobile lenders operating in Kenya.
AI & Financial Technology
Development of AI matching algorithms analyzing 50+ criteria to connect borrowers with the most suitable lenders, based on application assessment likelihood rather than commissions.
Loan Comparison & Analysis
Transparent methodology for comparing APRs, fees, fund transfer times, and repayment terms across 6+ licensed Kenyan mobile lenders and 160+ lenders globally.
Responsible Lending
Advocacy for responsible borrowing, transparent fee disclosure, and consumer education. Focused on helping Kenyan borrowers understand the true cost of mobile loans and explore alternatives.