M-KOPA (Kenya)

M-KOPA is a UK-headquartered emerging market fintech that provides affordable smartphone and e-motorbike financing and smartphone embedded digital financial services. With operations in Nigeria, Ghana, Kenya, South Africa, and Uganda, the company has extended over $2 billion in credit to more than 7 million customers. Using an innovative financing model based on daily repayments, M-KOPA provides affordable smartphones embedded with financial services that fit with the cash flow of millions of Every Day Earners who earn their income daily.

By leveraging rich payments data and proprietary AI-driven analytics, M-KOPA builds a credit record for each customer, which forms the foundation for a long-term financial relationship for digital loans, affordable data subscriptions, and insurance.

The company employs over 3,000 staff and 30,000 sales agents across its African markets.

M-KOPA has been recognised by the Financial Times as one of Africa’s Fastest Growing Companies for the past 4 years, featured by CNBC for its impact and growth in financial inclusion, and named twice by Time Magazine as one of the 100 Most Influential Companies globally.