JUMO is a financial technology platform enabling banks, mobile network operators (MNOs), and digital marketplaces to offer inclusive financial services to underserved individuals and businesses across Africa and Asia. With over 40 million loans disbursed to more than 10 million users, JUMO helps small and medium enterprises access instant credit using only behavioral data.
Built for scale and reach, JUMO’s platform leverages alternative data from mobile usage and transaction history to build financial identities and offer tailored credit and savings products via mobile devices.
Core Offerings:
- Credit-as-a-Service
Instant digital loans delivered through partner channels like telcos, banks, and mobile wallets. - Savings Solutions
Digital savings accounts designed for low-income customers with flexible contribution structures. - Financial Identity Engine
Uses AI and machine learning to assess risk and build customer profiles from mobile behavior and transaction data. - Partner Integration Platform
Embedded finance infrastructure that allows banks and MNOs to launch credit and savings products without building internal tech. - Risk and Capital Management Tools
Customizable tools that enable partners to define credit policies and monitor portfolio performance in real time.
Key Partnerships and Reach:
- Partners with major mobile operators and banks in Ghana, Uganda, Zambia, Tanzania, Kenya, and Côte d’Ivoire
- Expanding across South and Southeast Asia
- Deep integrations with Airtel, MTN, Tigo, and multiple African banking institutions
Impact Metrics:
- 10M+ customers served
- 40M+ loans disbursed
- Active in multiple African markets with rapid digital loan deployment via USSD and mobile apps
