Services
Modular services. Fully configurable. Built to power your products.
Modular services. Fully configurable. Built to power your products.
Instant access to the core infrastructure you need. Ready to deploy, easy to configure, and designed to scale.
Ready to deploy, easy to configure, and designed to scale.
From onboarding and credit decisioning to payments, risk, compliance, and capital management, each service can be used standalone or combined to create powerful, tailored financial products.
Services
Plug & Play APIs
Developer-friendly RESTful APIs for fast integration with core banking, payments, KYC, and more.
Third-Party Platform Support
Out-of-the-box integrations with CRMs, ERPs, accounting software, analytics tools, and messaging platforms.
Custom Webhooks & Event Triggers
Sync real-time updates across systems with flexible event-driven architecture.
Open Banking Ready
Fully compatible with open banking standards and secure data-sharing frameworks.
Modular Architecture
Use what you need, when you need it—our platform fits into your ecosystem, not the other way around.
Secure & Compliant
All integrations meet global security and compliance standards—built for regulated environments.
Payments integration
Seamless payments integration credit cards, bank transfers, e-wallets, and even crypto. Whether online, in-app, or on mobile money, we've got you covered.
Real-Time Processing
Experience lightning-fast payment processing with real-time authorization and instant settlement so your business keeps moving without delays.
Automated Reconciliation
Say goodbye to manual spreadsheets. Automatically match transactions, invoices, and payouts with built-in reconciliation and detailed reporting tools.
Multi-Currency & Global Ready
Expand your reach with existing support for 9+ currencies and local payment methods in over 10 countries—perfect for cross-border commerce.
Fraud & Compliance Built-In
Stay protected with advanced fraud detection, PCI-DSS compliance, and real-time KYC/AML checks. We handle security, so you can focus on growth.
Customizable & Scalable
Our APIs and dashboards are designed for flexibility—whether you're a startup scaling fast or an enterprise managing millions of transactions
Security
End-to-end encryption, role-based access, and continuous monitoring to protect sensitive financial data.
Core Banking integrated
Power onboarding, account data, transactions, and audit logs— a fully integrated banking stack.
Scalable Cloud Storage
Elastic storage for structured and unstructured data. Grow from thousands to millions of records without re-architecting.
Real-Time Sync
Ensure live data access across systems and regions. Zero lag. Zero loss.
Built-In Analytics
Visualize usage, trends, and compliance metrics. Actionable insights, no extra tooling.
Fully Compliant
Meet global standards like GDPR, SOC 2, and ISO 27001—automatically audit-ready.
Real-Time Transaction Monitoring
Instantly track incoming and outgoing transactions across all accounts, channels, and currencies.
Automated Reconciliation
Match payments to products, accounts, or statements—no spreadsheets, no manual errors.
Multi-Account & Multi-Currency Support
Reconcile across virtual accounts, wallets, and bank accounts in any currency—effortlessly.
Custom Rules & Workflows
Define reconciliation rules that fit your business. Automate exceptions and reduce ops overhead.
Integrated Data Feeds
Syncs directly with your oversight systems for a unified source of truth.
Audit-Ready Reporting
Generate detailed logs, summaries, and compliance-ready reports with just a few clicks.
Intuitive UI Across All Devices
Clean, responsive design that works flawlessly on web, mobile, and in-app experiences.
Frictionless Onboarding
Guide users from signup to transacting in minutes—no clutter, no confusion.
Customer-Centric Flows
Optimize every step of the journey—from account creation to payment and support—with data-driven UX.
Personalized Experiences
Dynamic interfaces that adapt to user behavior, preferences, and account status.
Built-In Trust Elements
Secure design with clear permissions, confirmations, and compliance cues that boost user confidence.
Actionable UX Analytics
Track drop-offs, completion rates, and engagement with built-in journey insights.
Multi-Channel Campaigns
Reach customers via email, SMS, push notifications, or in-app messages—all from one platform.
Advanced Targeting
Segment users by behavior, transaction history, account status, or custom rules.
Automated Journeys
Set up triggers, drip campaigns, and event-based flows to engage customers at the right time.
Real-Time Performance Tracking
Monitor open rates, clicks, conversions, and ROI as it happens.
Integrated with Core Banking & CRM
Use live data to power campaigns—no syncing, no lag, just results.
Personalized Messaging
Deliver relevant content that feels one-to-one, not one-size-fits-all.
No-Code Product Setup
Create and modify banking, lending, or wallet products—no developers needed.
Dynamic Configuration Options
Define fees, limits, interest rates, KYC tiers, account types, and more—on the fly.
Real-Time Updates
Launch changes instantly across environments without downtime or redeployments.
Modular Product Building
Combine features like savings goals, overdrafts, virtual cards, and rewards to build custom offerings.
Multi-Region, Multi-Currency Ready
Configure for local compliance, currency, and market-specific rules with ease.
Preview & Test Environments
Simulate configurations in a sandbox before pushing live—what you see is what you launch.
Flexible Savings Products
Launch goal-based, fixed-term, or interest-bearing accounts with customizable rules and tiers.
Automated Interest & Payouts
Calculate, apply, and distribute interest automatically—daily, monthly, or on maturity.
End-to-End Loan Management
Origination, disbursement, repayment, and closures—all in one system.
Custom Loan Structures
Fixed, reducing balance, or flexible repayment plans—plus grace periods, penalties, and early payoffs.
Real-Time Tracking & Alerts
Monitor balances, repayments, and defaults live—with smart alerts and dashboards.
Regulation-Ready
Built-in compliance tracking and reporting for lending, savings, and interest calculations.
Dynamic Risk Scoring
Assess users in real time using behavioral, transactional, and external data sources.
Custom Scoring Models
Build, deploy, and adjust your own credit or risk models—no black boxes.
Instant Decisioning
Automate loan approvals, limits, and fraud flags with rule-based or ML-powered scoring.
Continuous Monitoring
Track customer risk profiles post-onboarding with live data updates and alerts.
Integrated Data Feeds
Pull from internal systems, credit bureaus, KYC sources, and open banking APIs.
Fraud Detection Built-In
Detect anomalies, spoofing, and high-risk patterns across transactions and identities.
Audit-Ready & Explainable
Transparent scoring logic with full logs and compliance-aligned documentation.
Intuitive UI Across All Devices
Clean, responsive design that works flawlessly on web, mobile, and in-app experiences.
Frictionless Onboarding
Guide users from signup to transacting in minutes—no clutter, no confusion.
Customer-Centric Flows
Optimize every step of the journey—from account creation to payment and support—with data-driven UX.
Personalized Experiences
Dynamic interfaces that adapt to user behavior, preferences, and account status.
Built-In Trust Elements
Secure design with clear permissions, confirmations, and compliance cues that boost user confidence.
Actionable UX Analytics
Track drop-offs, completion rates, and engagement with built-in journey insights.
Real-Time Model Simulation
Run scenarios using live or historical data to forecast outcomes, test rules, and validate assumptions.
No-Code/Low-Code Configuration
Build, adjust, and deploy scoring, pricing, or credit models without engineering dependencies.
Seamless Orchestration
Automate how models interact with offers and segmentation
A/B Testing & Variant Control
Compare model performance in parallel and pick the best-performing logic with confidence.
Versioning & Rollback
Deploy new models safely with full version history and one-click rollback capabilities.
Integrated ML & Risk Engines
Use outputs from internal or external models (credit, fraud, churn) and orchestrate workflows in real time.
Audit-Ready & Transparent
Visibility into every model run, input, and decision path—for internal review or regulatory compliance.
Centralized Mandate Visibility
Monitor active mandates from credit providers in one unified dashboard—limits, terms, and utilization.
Provider-Specific Risk Rules
Enforce custom constraints like exposure caps, sector limits, borrower types, or geographic preferences.
Dynamic Allocation Engine
Route advance requests to eligible capital sources based on real-time mandate availability and risk fit.
Utilization & Headroom Tracking
Track drawdowns, repayments, and available headroom per mandate—live and historical.
Compliance & Breach Alerts
Get automatic notifications when a mandate nears its limit, breaches a condition, or requires renewal.
Integrated with Loan & Risk Engines
Sync mandates with origination, scoring, and funding workflows—no manual intervention required.
Audit-Ready & Transparent
Maintain a clear log of mandate usage, decision logic, and provider alignment for full audit and investor confidence.
Match the right capital to the right borrower—every time.
Smarter mandate management for scalable credit distribution.
Live Asset Performance Tracking
Monitor returns, risk, and utilization across loans, credit lines, and deployed capital—on one dashboard.
Intelligent Allocation Rules
Automatically route capital to the highest-performing products, segments, or mandates.
Predictive Yield Modelss
Forecast returns and losses using historical and real-time data to fine-tune your asset strategy.
Dynamic Rebalancing
Shift exposure across portfolios, geographies, or products based on performance and market conditions.
Capital Cost Awareness
Track cost of funds by source to ensure profitable deployment across blended capital stacks.
Risk-Based Optimisation
Apply constraints based on credit risk, provider mandates, or macro conditions—without slowing growth
Compliance-Aligned Strategy
Stay within policy limits while optimizing for yield, liquidity, and concentration.
Centralized Treasury Dashboard
Monitor cash positions, inflows, outflows, and account balances across banks, wallets, and products.
Live Liquidity Forecasting
Project short- and long-term cash needs based on real-time transactions, lending activity, and repayments.
Automated Cash Flow Modeling
Simulate scenarios like drawdowns, investor repayments, interest cycles, or funding gaps.
Data-Driven Funding Strategy
Optimize capital deployment and borrowing based on demand forecasts and provider terms.
Multi-Entity, Multi-Currency Support
Manage treasury operations across geographies and currencies—with unified visibility and controls.
Alerts & Thresholds
Get proactive notifications on low liquidity, funding mismatches, or deviation from forecast.
Audit-Ready & Policy Aligned
Ensure every move meets internal policies and external reporting standards.
Run a smarter treasury. Predict the future. Fund with precision.
One platform to manage liquidity and power decisions. We’re just one conversation away.
Real-Time Dashboards
Visualize key metrics—payments, loans, deposits, churn, risk, and more—instantly and accurately.
Custom Reports On Demand
Request reports tailored to your team’s KPIs, investor needs, or regulatory requirements.
Deep Customer & Product Insights
Segment users by behavior, profitability, lifecycle stage, and usage patterns for smarter targeting.
Scheduled & Automated Reporting
Set up recurring reports to be delivered to teams, stakeholders, or compliance departments—automatically.
Audit & Compliance Ready
Maintain transparent records with exportable logs, change histories, and data retention aligned with regulation.
Automated KYC Verification
Verify users in seconds with document checks, identity matching, and liveness detection.
Global Coverage
Onboard individuals and businesses across regions with support for passports, national IDs, and more.
Real-Time AML Screening
Instantly screen against global watchlists, PEPs, and sanctions lists with continuous monitoring.
Custom Risk Scoring
Set thresholds by customer type, geography, or transaction behavior—automatically trigger escalations or enhanced due diligence.
Ongoing Monitoring
Get alerts on status changes, suspicious activity, or new hits post-onboarding.
Audit-Ready Recordkeeping
Store KYC/AML data securely with full logs, timestamps, and decision histories—ready for regulatory review.
Seamless Workflow Integration
Plug into your onboarding, transaction, or loan approval flows via flexible APIs.
Built-In Regulatory Frameworks
Pre-configured compliance modules for local financial regulations.
Automated Recordkeeping
Capture, store, and timestamp all relevant data for KYC, AML, lending, and transaction monitoring—audit-ready by default.
Rule-Based Policy Enforcement
Enforce internal policies and regulatory thresholds automatically with customizable rules and alerts.
Multi-Jurisdictional Readiness
Adapt quickly to different regulatory environments with flexible, location-aware compliance settings.
Real-Time Monitoring & Alerts
Detect non-compliant activity instantly and trigger investigations, holds, or escalation workflows.
Data Privacy & Consent Management
Built-in tools for managing customer consent, data retention policies, and privacy controls.
Audit Trails & Reporting
Export full logs, actions, and compliance reports on demand—for regulators, auditors, or internal review.
IFRS 9-Compliant ECL Models
Generate 12-month and lifetime expected credit loss (ECL) estimates across Stage 1, 2, and 3 exposures.
Staging Logic & Risk Classification
Apply probability of default (PD), loss given default (LGD), and exposure at default (EAD) to auto-stage assets per IFRS 9.
Flexible Model Inputs
Use internal risk data, macroeconomic overlays, and borrower-level behaviors to drive provisioning accuracy.
Scenario-Based Forecasting
Run baseline, optimistic, and stressed scenarios with configurable weightings and overlays.
Audit-Ready Documentation
Maintain transparent, traceable records of calculations, assumptions, and stage transitions—ready for audit and regulator review.
Seamless Core System Integration
Pull data from your loan book, risk engine, and general ledger for unified provisioning outputs.
Custom Reporting & Disclosure Support
Auto-generate reports for internal finance, board-level disclosures, or statutory submissions.
Audit-Ready Data Access
Centralized logs, transaction histories, and user actions
Full Traceability
Every decision, change, and approval is tracked with time stamps, user IDs, and related documentation.
Customizable Audit Reports
Request reports aligned with your internal controls, auditor requirements, or regulatory standards.
Dedicated Audit Support
Work directly with our compliance and product teams to prepare documentation and answer audit queries.
Regulatory Alignment
Ensure your processes meet global standards (GDPR, IFRS, PCI-DSS, SOC 2, ISO 27001, Customer Protection and local financial regulations).
Secure & Controlled Access
Role-based permissions and secure auditor access portals—no manual data handovers needed.
Real-Time Monitoring
Keep your internal audit teams ahead with ongoing visibility into platform activities and policy enforcement.
Our Partners
'JUMO’s unmatched capabilities in technology and data have set them apart in the market.'
'JUMO’s unmatched capabilities in technology and data have set them apart in the market.'
Our Partners
'JUMO delivers the scalable technology and advanced credit decisioning that ties a powerful banking ecosystem together.'
'JUMO delivers the scalable technology and advanced credit decisioning that ties a powerful banking ecosystem together.'
Our Partners
‘One of our biggest achievements with JUMO was launching our product in less than six weeks.’
‘One of our biggest achievements with JUMO was launching our product in less than six weeks.’
Our Partners
