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Enabling infrastructure
for banking.

We provide the plug-and-play infrastructure behind a new generation of data orientated financial products.

AI driven
Configurable
Scalable by design.
  • AI driven
  • Configurable
  • Scalable by design
10 %

of Africa’s top banks and payments companies work with JUMO.

What JUMO can do for you?

We build technology so that you can reach more customers, save money, achieve higher returns and greater scale.

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SMEs and customers served
Partners can experience high customer growth. We onboard 5 new customers per minute.
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Savings on Capex
JUMO’s infrastructure replaces legacy core banking with no building costs.
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Higher return on assets
Partners achieve annualised net margins of up to 50% by making use of our leading AI prediction capabilities.
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In loans disbursed
Disbursement growth is significant as we continuously expand our reach across Africa.
Enabling solutions to your biggest product challenges
We’ve built the infrastructure—now it’s ready to be configured, deployed, and scale.

Use instantly available, modular solutions to power your product strategy with speed, precision, and confidence.

Use instantly available, modular solutions to power your product strategy with speed, precision, and confidence.

We solve

High IT Capex

So you can
Launch SME banking without huge investment

Slow time to market

So you can
Deploy embedded finance in weeks, not years

High operational costs

So you can
Scale mass-market credit with 10x lower costs

Fragmented tech stacks

So you can
Unify functional services at the lowest price

Complex AI & data integration

So you can
Pay for the AI you use, not rebuilding the wheel

Trust

So you can
Leverage the platform behind market leaders and 250M+ loans

We solve...

  • High Capex IT
So you can

Launch SME banking without huge investment
  • Slow time to market
So you can

Deploy embedded finance in weeks, not years
  • High operational costs
So you can

Scale mass-market credit with 10x lower costs
  • Fragmented tech stacks
So you can

Unified functional services at the lowest price
  • Complex AI & data integration
So you can

Pay for the AI you use, not rebuilding the wheel
  • Trust
So you can

Build on a platform powering market leaders and over 250m profitable customer loans

Explore services
built for your Market

From SME lending to multi-capital credit
orchestration, see how our technology
powers real use cases. 

From SME lending to multi-capital credit orchestration, see how our technology powers real use cases.

We’re smart, with heart.

We care deeply about the communities that we serve through our partnerships with the markets' leading banks and fintechs.
United by a purpose to make finance accessible to everyone, JUMO's team of focused experts live and work across 15 countries on 3 continents.
Award winning innovation

Certified and lauded by the world’s most respected industry bodies.

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Diane Radley

Diane was a partner at PriceWaterhouse Coopers where she led their Transaction Services group advising on listings and corporate transactions. She served as CFO on JSE listed Altron and then Old Mutual after which she took the reins at Old Mutual Investment Group as CEO for 6 years. She currently serves on various international listed boards.
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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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Joseph Mucheru

Joseph Mucheru

Joe was the former Kenyan Cabinet Secretary in the Ministry of ICT from 2015 to 2022. He brings a wealth of government experience and knowledge of African tech to the JUMO exec team and board.

Joe was also previously the head of Sub-Saharan Africa for Google, where he led strategy, business planning & operations.

Organisations like JUMO have never been more important for protecting livelihoods, facilitating financial inclusion, and driving economic growth.
Joseph Mucheru
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Fábio Matos

Fábio has worked in systems and software development for over 18 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

Paul Whelpton

Paul is CEO of JUMO and a recognised industry leader in AI. He previously spent seven years leading analytics teams at a top tier Bank. His experience spans retail, business and commerce with a focus on creating yield from large scale information management systems.
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.
Paul Whelpton
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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 is founder of JUMO and served as the CEO for over a decade. He’s built various businesses including Gateway Telecoms, a satellite service provider sold to Vodafone for $675M. He spent seven years at Salomon Brothers in London and New York and is partner in a fund focused on the energy sector.

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