Transforming credit through technology

JUMO operates a sophisticated B2B model through a network of affiliates across the continent, partnering with financial institutions and mobile network operators (MNOs) to deliver AI-powered lending infrastructure.

JUMO’s digital loan products are designed to be accessible, flexible, and tailored to the needs of first-time borrowers. Loan amounts range from as little as 1 USD to as much as 1,000 USD, with repayment periods from 7 to 60 days. Notably, JUMO’s typical borrowers are individuals lacking access to formal credit lines, often embarking on their first ever borrowing journey via digital channels.

In Uganda for example, as of March 2025, JUMO partners with leading MNOs – Airtel and MTN. This collaboration is making a significant impact:

  • 2.1 million active customers on the platform
  • More than 1 million of loans disbursed each month
  • An average loan size of USD 14 (as of March 2025)

The company’s credit approval process is second to none: customers receive a decision in as little as six seconds, and the entire operation is highly automated and powered by the latest in AI and machine learning. JUMO’s credit models are continuously refined, supporting fair, responsible, and scalable lending.

Competitive edge

JUMO’s proven credit scoring model—developed since 2015—provides a unique trust advantage for MNOs and banking partners. Key strengths include:

  • Efficient, robust technological integration with partners
  • Rapid credit decisions and customer-friendly interfaces
  • Automated, in-house developed systems, meeting international best practice standards for security and reliability

These advantages have solidified JUMO’s reputation as a trusted, low-risk partner for mobile money operators, reducing default risks that could otherwise affect platform usage.

Social responsibility

JUMO’s commitment to social and environmental impact is reflected in its rigorous certifications:

  • Certified B Corporation: Scored 119 out of 200 by B Lab, demonstrating high standards of social and environmental performance.
  • CPC Certification: Achieved a remarkable 92.2% – the first digital financial service provider assessed under the new DFS standards, setting a new benchmark for responsible digital finance.
  • Furthermore, JUMO undertakes annual surveys to understand how clients use their funds—revealing essential support for small businesses, education, personal emergencies, and basic needs.

JUMO’s journey demonstrates how responsible technology and strategic collaboration can bring about a step change in financial inclusion, directly impacting millions of lives and strengthening economic resilience in African markets. JUMO’s model presents a blueprint for trusted, scalable, and impactful financial innovation.

 

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