JUMO is a full technology stack for building and running financial services.

We use advanced data science and machine learning to create the fastest and leanest financial services infrastructure.

JUMO is a full technology stack for building and running financial services.

We use advanced data science and machine learning to create the fastest and leanest financial services infrastructure.

Our partners use our technology stack to offer savings, lending and insurance products to entrepreneurs in emerging markets.

These next-generation products give anyone with a cell phone and mobile wallet access to unprecedented financial choice, enabling millions of people to prosper, build their businesses and drive economic growth.

A new wave of financial products

Credit

Our lending products give entrepreneurs quick access to funds or asset finance. The loan amount, life cycle and repayment method can be configured to fit the needs of the individual.

Savings

JUMO builds and operates short-term, structured and long-term savings products that bear interest. They’re available to anyone who needs a safe place to store and grow their money.

Insurance

JUMO works with underwriters and insurers to create standalone or wrapped insurance products to safeguard incomes, families, assets and businesses, no matter how small.

Points

We’ve developed a white label points programme that can be used as a tool to drive and incentivise mobile transactions and empower people to build a personal, digital financial profile.

Credit

Our lending products give entrepreneurs quick access to funds or asset finance. The loan amount, life cycle and repayment method can be configured to fit the needs of the individual.

Savings

JUMO builds and operates short-term, structured and long-term savings products that bear interest. They’re available to anyone who needs a safe place to store and grow their money.

Insurance

JUMO works with underwriters and insurers to create standalone or wrapped insurance products to safeguard incomes, families, assets and businesses, no matter how small.

Points

We’ve developed a white label points programme that can be used as a tool to drive and incentivise mobile transactions and empower people to build a personal, digital financial profile.

Our technology stack has three layers

JUMO has redefined banking services for a mobile, digital age, and has built a full technology stack to create financial services for everybody.

Advanced
data engine

The advanced data engine runs machine learning algorithms on millions of mobile wallet, cell phone, and transaction data signals every second. We use these to build increasingly accurate credit profiles for people in emerging markets. These deep, data-driven insights allow us to shape services and product features to suit individual entrepreneurs and their specific circumstances.

End-to-end banking technology

Built from the ground up to be highly automated, our comprehensive banking system acts on the decisions informed by the data engine. It enables us to focus on the essence of financial products and services, removing legacy constraints, complexity and lack of clarity. We can do this quickly, at low cost, reliably and at scale.

Flexible operating platform

The flexible operating platform is where our partners interface with the technology stack, unlocking the ability to offer targeted financial services to customers that typically have limited or no access to financial services. Wrapped around this banking functionality are all the tools, reporting and capabilities a modern bank needs to run – which our partners simply plug into.

All three layers work together to create ultra-lean banking technology that delivers financial services at a fraction of typical banking costs.

This cloud and AI-powered technology stack connects banks with traditionally inaccessible customers in cost-effective, low-risk and responsible ways. Today our partners deploy loans, savings and insurance services from Africa to Asia, helping entrepreneurs in emerging markets to grow and prosper.

Tech stack features

Full-service banking platform

Integrating into JUMO’s full technology stack gives our partners the capability to offer loans, savings and insurance to a new group of customers.

Self-service

The JUMO Portal gives partners all the reporting, analytics and insight they need to offer individualised financial services that have high value and utility for their customers.

AI & machine learning

We use automation, artificial intelligence and machine learning to build accurate credit scores and targeted financial products for people without a financial footprint.

Data privacy & responsible banking

We care deeply about the privacy of our customers’ data and our responsibility not to over-extend them financially, so we’ve built safeguards into the heart of our technology.

Benefits

JUMO’s technology stack radically reduces the unit economics on the delivery and administration of financial products so that partners can reach new markets and customers can access the best products at the lowest price.

Increased revenue & customer loyalty

Increase revenue from existing customers thanks to more active mobile wallet use and the ability to acquire additional customers by offering valuable and useful financial services that fit their lives and businesses.

Fast access to new customers

Get the ability to provide banking services to people who were previously unreachable, thanks to a lower cost of risk and the ability to accurately predict future behaviour.

Future-proof financial services

Tap into proven, legacy-free technology that is lean, scalable, cost-effective and reliable, and can move you into the digital future.

Drive economic growth

Unlock the value of individuals’ digital footprints and power a generation of entrepreneurs, small businesses and communities with real financial choice.

Benefits

JUMO’s technology stack radically reduces the unit economics on the delivery and administration of financial products so that partners can reach new markets and customers can access the best products at the lowest price.

Increased revenue & customer loyalty

Increase revenue from existing customers thanks to more active mobile wallet use and the ability to acquire additional customers by offering valuable and useful financial services that fit their lives and businesses.

Fast access to new customers

Get the ability to provide banking services to people who were previously unreachable, thanks to a lower cost of risk and the ability to accurately predict future behaviour.

Future-proof financial services

Tap into proven, legacy-free technology that is lean, scalable, cost-effective and reliable, and can move you into the digital future.

Drive economic growth

Unlock the value of individuals’ digital footprints and power a generation of entrepreneurs, small businesses and communities with real financial choice.

Growth in numbers

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.

13M+

people and small businesses served

$1B+

in funds disbursed

5X

increase in data prediction accuracy

51M

interactions with customers a month

120M

people connected to financial choices

Our partners