How Start-ups start: The story of Tala Loan App

You have to have a clear vision of your product and how it will help the end user. A big thumbs up to Shivani Siroya for coming up with a smart loan for people with no credit history.
Not like Safaricom waiting for other to innovate then they copy.
I always wonder do people have to come from outside to create solutions for our own problems? (uber,tala)
Must we always be enticed with awards and grants so as to create innovative solutions for our own problems? (like starttuper of the year,safaricom vodafon app challenge and many more) and by the way does anyone usually follow up on the winners of these challenges and their innovations?

https://www.youtube.com/watch?v=kSR8G8mfp84