DDFinance is a Norwegian Fintech working to provide low-income households Health- and Life Insurance. Our first country of operations is Kenya. Our vision is to strengthen resilience among low-income households. DDFinance leverages the opportunity that innovation and technology present and contributes towards digitizing and automating the insurance industry. This enables creation of competitive and balanced national formal insurance markets to evolve, to finally include also the uninsured majority populations in developing markets. DDFinance's concept is Collective-Based Insurance (CBI) which is based on digitizing informal trust and reputation within groups.