banking technology

We’ve built a smart financial services platform to make finance accessible to everyone.

Innovation is all it takes

JUMO is the market leading banking as a service platform, enabling real-time access to funds at the lowest possible operating cost.

Integrating into JUMO’s platform enables our partners to offer loans, savings and a wide range of financial choices to a new group of customers.

The platform has two distinct capabilities which work together to provide a full digital banking service.


The technology which provides end-to-end, next generation banking infrastructure.


The learning machine which analyses data to reduce the cost and risk of lending.

How we do it

Al & Machine Learning

We use artificial intelligence and machine learning to build accurate credit scores and targeted financial products for people who don’t have a formal financial identity, collateral or credit record.

Portfolio strategy & analytics

We provide our eMoney and banking partners with all the reporting, analytics and insight they need to offer individualised financial services with high value and utility for customers.

Data privacy & responsible banking

We care about the privacy of customers’ data and their security. We use automated algorithms to ensure they don’t overextend themselves and have built protective safeguards into the heart of our technology.

Platform performance

We measure our success by the number of people we’ve supported to become active users of financial services since we were founded in 2015.

0 m+

People and small businesses served

$ 0 b+

In funds disbursed

0 m

Individual loans

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Platform deployments per week

0 %

Cost of risk

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Total addressable market

Infinite possibilities

We empower our global partners and millions of people to reach their goals, grow their impact and transcend systemic boundaries to amplify every opportunity.

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For banks

Financial services providers and loan book funders experience healthy financial returns. Our technology gives them low-cost access to new markets with proven credit performance.

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For eMoney

Mobile network and eMoney operators are able to create additional revenue streams by attracting new customers and increasing customer activity and engagement. This leads to reduced churn.

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For customers

Low operating costs ensure fair pricing for customers. More than half of them are interacting with a financial institution for the first time. We’re working with partners to offer a range of financial options.

See how
An Absa logo in monochrome
The Airtel logo, a user of JUMO's services
A Ecobank logo
A Letshego logo
A MTN logo in monochrome
A Mansa Bank icon
A partner of JUMO, Telenor's logo in monochrome
A logo of Telenor Microfinance Bank
A Tigo logo
KenyaTanzaniaCameroon NigeriaBeninGhanaUganda ZambiaCotedivoireCape TownPortugalLondonNairobi
Côte d’Ivoire
Cape Town

Expanding globally

We are active in seven markets including Ghana, Tanzania, Kenya, Uganda, Zambia, Côte d’Ivoire and South Africa. Market expansion plans are underway for Nigeria, Cameroon and Benin.

Our operational and tech hubs are in Cape Town, Nairobi, Porto and London.

Leading with passion

An exceptional challenge must be met by exceptional people.

Organisations like JUMO have never been more important for protecting livelihoods, facilitating financial inclusion, and driving economic growth.
Joe Mucheru, President
JUMO is powering growth by constantly building scale and value.
Michael Ball, Chief Financial Officer
JUMO has built a strong technology base with new features and functionality constantly on the horizon. We are ready for whatever comes our way.
Fábio Matos, Chief Technology Officer
JUMO is an information enablement company that’s creating value for partners, and ordinary people. Customers can access credit in real time at a low cost of risk.
Paul Whelpton, Chief Analytics Officer
We have an unmatched ability to serve high quality, low cost financial products to customers at scale in emerging markets.
Susie Squire, Chief Operating Officer
Everyone should have access to the best financial choices. We’ve built the brain and pipes that hold and carry information for banking systems.
Andrew Watkins-Ball, Founder & Group CEO