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Solutions

Plug-and-play solutions for scale
powered by our infrastructure services.

Plug-and-play solutions for scale powered by our infrastructure services.

Launch tailored financial products—fast.

Explore

See how our platform powers real use cases, from SME lending to multi-capital credit orchestration.

Plug-and-Play Solutions for scale powered by our infrastructure services.
Powers configurable solutions built from ready-to-use services like onboarding, credit, payments, and compliance.
Launch tailored financial products—fast.
No heavy lifting...

just proven infrastructure for your market strategy.

Solutions

Configurable Credit Products

Offer working capital loans, credit lines, and overdrafts with dynamic, risk-based pricing and automated underwriting.

Goal-Based & Interest-Bearing Savings

Help businesses set aside funds for taxes, payroll, or investment—paired with flexible terms and incentives.

Smart Payments & Collections

Enable virtual accounts, seamless domestic and cross-border payments, and real-time reconciliation.

Automated Onboarding & KYC for Businesses

Onboard sole traders, partnerships, and SMEs with configurable workflows, document capture, and tiered compliance.

Connected Risk & Mandate Monitoring

Allocate capital intelligently across multiple funding sources—managing exposure by segment, sector, or geography.

Core Banking & Transaction Management IncludedCard title

Full-featured account, ledger, and transaction infrastructure—delivered at a price point that lets you serve the full SME spectrum, not just the top tier.

Power inclusive, intelligent SME finance.

From micro-merchants to growth-stage businesses.

Explore the foundational services that power these solutions: onboarding, credit decisioning, payments, compliance, and capital orchestration.

Explore

Digital Savings Accounts

Goal-based, term, or flexible savings with automated interest calculation.

Instant Credit Access

Loans, Overdrafts, virtual cards, and recurring credit products with real-time scoring.

Automated Underwriting

Assess risk using behavioral and transaction data at scale.

Repayment & Collection Engines

Handle deductions, reminders, and escalations with minimal friction.

Core Banking

Full-featured account, ledger, and transaction infrastructure — efficiently priced to enable higher eligibility.

Scalable Onboarding & KYC

Seamless onboarding flows for high-volume users.

Portfolio Analytics

Monitor defaults, yield, segment behavior, and lifetime value in real time.

Delivering measurable social impact

Existing product configurations are the benchmark for
impact B Corp & Cerise Certified

Build large new customer segments in high growth markets

Understand the underlying services that power these solutions

 

Let's talk

Branded savings, credit & virtual card

Offer users the ability to save or borrow natively within your ecosystem.

Lending-as-a-Feature

Integrate instant credit or working capital directly into user workflows.

API-First Architecture

Modular services that plug into your app with minimal engineering lift.

Customer Journey & Interface Management

Fully control the user experience across onboarding, transactions, and servicing—embed flows seamlessly.

Payments & Payouts

Enable collections, disbursements, and reconciliations without switching systems.

Risk & Compliance Engines

Built-in KYC, fraud monitoring, and regulatory logic.

Embedded Analytics

Track financial activity and user behavior across embedded products.

Bring the world of banking to any customer interaction and monetize trust.

Understand the underlying services that power these solutions

 

Let's talk

Unified Loan & Borrower Onboarding

Streamline origination and eligibility mapping across mandates, products, and risk tiers.

Mandate Monitoring & Enforcement

Track funding limits, eligibility rules, and exposure thresholds per provider—automatically enforced at disbursement.

Dynamic Capital Allocation

Route loan advances in real time based on provider constraints, cost of capital, or portfolio strategy.

Asset Optimization Engine

Maximize capital efficiency with smart rebalancing, scenario modeling, and yield-based decisioning.

Real-Time Portfolio Analytics

Monitor performance, delinquency, utilization, and returns by provider, geography, or product line.

Compliance & Audit Layer

Full transparency into allocation logic, mandate usage, and transaction histories—audit-ready by design.

Intelligent and optimised capital management for multiple products

Unlock the balance sheet power of many Banks. Unlock the power of multi capital provider offerings.

 

Let's talk
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Bradwin-Roper-full

Bradwin Roper

A visionary leader inbanking, fintech and telecommunications. Bradwin has 17 years of diversified experience across these sectors and is renowned for his strategic vision, financial acumen, and leadership.His proficiency in engaging with stakeholders at multiple levels has consistently resulted in delivering impactful outcomes in complex scenarios.
We're committed to building financial tools that are not only fast and accessible, but also personalised and responsible.
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Joe-Mucheru-profile

Joe Mucheru

 

Joe was the former Kenyan Cabinet Secretary in the Ministry of ICT, Innovation and Youth Affairs, appointed by then President of Kenya, Uhuru Kenyatta. He held office from 2015 to 2022. He brings a wealth of government experience and in-depth knowledge of pan-African tech to the JUMO executive team and board. Joe was also previously the head of Sub-Saharan Africa (SSA) for Google, based in Nairobi, serving as Google’s first SSA employee. He joined Google in 2007 where he led the delivery of strategy, business planning and operations and was key to setting up Google’s presence on the continent.

Organisations like JUMO have never been more important for protecting livelihoods, facilitating financial inclusion, and driving economic growth.
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fabio-matos-profile

Fábio Matos

Fábio has worked in systems and software development for over 14 years. His tech leadership experience covers e-commerce and banking. He helped build the engineering team for neobank N26, and is building a world-class, compliant and scalable platform for JUMO.
JUMO has built a strong technology base with new features and functionality constantly on the horizon. We are ready for whatever comes our way.
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Paul-Whelpton-profile

Paul Whelpton

Prior to joining JUMO, Paul spent seven years in various senior roles running analytics teams at Standard Bank. He was most recently the executive responsible for product and pricing across the South African business. Paul’s banking experience spans retail, business and commercial with a specific focus on generating profit from data and analytics. He holds a BCom from the University of Pretoria, an MBA from Gordon Institute of Business Science, and is a graduate of Harvard Business School.

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.
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Susie Squire

Susie joined JUMO after five and a half years at Woolworths Holdings Limited, where she was Group Head of Communications. Before joining Woolworths, she was the Press Secretary to the British Prime Minister, David Cameron, and was responsible for coordinating cross government communications and campaigns. Before that, Susie was at the Department for Work and Pensions, working as part of a team that oversaw wholesale reform of the welfare system. Susie has over 12 years’ international communications and corporate affairs experience spanning markets across Africa and Europe.

We have an unmatched ability to serve high quality, low cost financial products to customers at scale in emerging markets.
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Andrew Watkins-Ball

Andrew started his career as an entrepreneur before joining Salomon Brothers, working in London and New York. After seven wonderful years, he moved back to focus on building businesses within the Technology sector. Andrew’s passion, which ultimately led to him founding JUMO, is to find capital and put it to work to create products, jobs, opportunities and growth. Since 2015, Andrew has been leading JUMO’s mission to enable the world’s unbanked entrepreneurs access to the financial services they need to grow and prosper.

Everyone should have access to the best financial choices. We’ve built the brain and pipes that hold and carry information for banking systems.
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Michael-Ball-profile-1

Michael Ball

Michael has over 20 years’ experience in CFO roles and a successful track record for building scale and value. He is recognised industry-wide for operational efficiency, business transformation, liquidity management, financial structuring, refinancing and IPO preparation and execution. During his previous tenures as Group CEO for Zepz/WorldRemit and Sysco, his financial responsibilities also included strategy and M&A. Michael lives in North London with his wife, Eloise, young daughter, Amelie and two dogs. He likes to keep fit, plays very average golf and is a season ticket holder at Manchester United.

JUMO is powering growth by constantly building scale and value.
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