Members save together, and the pooled money does more than it could have done sitting in four hundred separate accounts. That is the whole idea, and it is older than any of us.
What is new is the record keeping. Every contribution, every balance, every payout, reconciled and visible, so trust rests on evidence rather than on personality.
When you are holding other people money, accuracy is not a preference, it is the product. Statistics training earns its keep here more than anywhere else I work.
It is also why module six of the office course exists. Knowing exactly what you must never paste into a public AI tool is not a footnote when the data is somebody savings.
Matthew NtamaraMSc Data Science
Everything I worked out running Enkya Capital Cooperative is written down in the courses. Start with this one.