Intelligent
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.
Core
The technology which provides end-to-end, next generation banking infrastructure.
Unify
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
0 +
Platform deployments per week
0 %
Cost of risk
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.
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.
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.
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.
Expanding globally
We are active in six markets including Ghana, Tanzania, Kenya, Uganda, Zambia and Côte d’Ivoire. Market expansion plans are underway for Nigeria, Cameroon and Benin.
Our operational and tech hubs are in Cape Town, Nairobi, Porto and London.