We finance progress

We offer innovative financial and digital products that help people unlock their potential.

Our mission

M-KOPA is a leading African fintech platform that provides affordable financial and digital products to “Every Day Earners” - the tenacious entrepreneurs who are the backbone of the continent’s economies.


Our mission is to make financing for everyday essentials accessible to everyone.

Our Purpose

We’re redefining financial services for millions of people. Many hardworking individuals, earning a daily living for themselves and their families, are often overlooked and traditionally underserved.

Half a billion adults in Africa are not yet connected to the internet.
Many don’t have the means to save up to buy essential products that would help them to earn more money.
Many are locked out of accessing the credit they need to build their businesses or provide for their families.

We’re creating a new generation of products for people who are regularly excluded because they don’t have a formal monthly salary, access to collateral and aren’t fully connected to the digital economy. We solve this problem by combining world-class software, hardware and distribution. We’ve built:

One of the largest proprietary tech & data stacks in Africa processing over 1 million payments a day.
One of the largest direct sales forces on the continent with over 30,000 agents.
One of the largest smartphone assembly factories in the region with over 1 million phones made locally.

We aren’t afraid of doing what it takes to serve our customers.

Our Story

M-KOPA was founded in 2010 on the idea that combining digital micropayments with GSM connectivity could provide affordable access to life-enhancing products. Since then, we’ve built a financial platform that has deployed over $1.5 billion in credit and enabled over 5 million customers across five countries - Kenya, Uganda, Nigeria, Ghana and South Africa - to own quality smartphones, access digital services and progress towards their financial goals.


Our innovative model provides affordable daily repayment plans that match the realities of how people earn their money. We offer flexible and locally relevant products to help people achieve progress in their lives.

The Smart Money
Platform

Our financial journey with customers starts with financing a smartphone, the primary gateway to the digital economy.

Through a small deposit and affordable daily micro-instalments, customers build up their repayment credit history. Customers then leverage this credit history to access additional financial services: digital loans, hospital coverage, device protection and affordable data bundles, which are all made available on a similar instalment basis.


Our embedded financing approach transforms a conventional smartphone into a personal finance tool. Customers get instant access to essential products that they otherwise couldn’t afford.


By building a long-term relationship with our customers, M-KOPA has become a trusted partner in helping people boost their incomes, build financial resilience and progress to the futures they aspire to.

Our Values

1. Progress

Progress Every Day

We pioneer, learn and strive to get better. We embrace thinking differently, taking risks, and challenging the status quo to help our customers and team achieve progress.

2. Excellence

Excellence Where it Counts

We are clear about what matters and focus relentlessly on executing our top priorities with excellence. We sweat the details and take pride in delivering our personal best.

3. Humility

Humility in Service of our Customers

We are a diverse team united by passion for our mission. We place our customers at the heart of everything we do and collaborate without ego to deliver for them.

Customer Promise

Our customers work hard every day to earn a living, and every day, they choose whether to invest their hard-earned money in M-KOPA. We commit to work just as hard to earn their investment in us. Our customer-centric lending approach is:
1

Inclusive

We don’t require collateral, guarantees, or proof of income. With an ID and initial deposit, customers can begin using high-quality products to power their life and business and use the income they earn to make small daily or weekly payments
2

Flexible

We understand that customers have to miss payments occasionally. When they do, we don’t burden them with steep penalties and we give them options to keep using their product while they get back on their feet.
3

Fair

What is advertised is what the customer pays, always. Customers can return their product at any time, get their deposit refunded, and be released from their payment obligations
1

Inclusive

We don’t require collateral, guarantees, or proof of income. With an ID and initial deposit, customers can begin using high-quality products to power their life and business and use the income they earn to make small daily or weekly payments.
2

Flexible

We understand that customers have to miss payments occasionally. When they do, we don’t burden them with steep penalties and we give them options to keep using their product while they get back on their feet.
3

Fair

What is advertised is what the customer pays, always. Customers can return their product at any time, get their deposit refunded, and be released from their payment obligations.

M-KOPA Leadership

Jesse Moore
CEO & Co-Founder
Faraimose Kutadzaushe
Chief Financial Officer
Mayur Patel
President & MD FinTech
Haijo Kuper
COO & MD Smartphones
Anne-Marie Headley
Chief People Officer
Adenike Adebayo
Chief of Staff
Nena Sanderson
Chief Product Officer
Keith Davies
Chief Credit Officer
Jesse Zigmund
Chief Legal & Risk Officer
Owen Scott
Chief Technology Officer
Matin Kingori
General Manager, Kenya
Babajide Duroshola
General Manager, Nigeria
Brendah Nambalirwa-Tzadok
General Manager, Uganda
Chioma Agogo
General Manager, Ghana
Cameron Perumal
Director of International Strategy & Growth
David Damberger
MD Mobility

M-KOPA Board Members

Rajeev Suri
Chair
Ian McCaig
Senior Independent Director
Elizabeth Littlefield
Independent Director
Dave Easton
Investor Director, Generation Investment Management
Adiba Ighodaro
Investor Director, British International Investment
Katsuya Kashiki
Investor Director, Sumitomo Corporation
Jesse Moore
CEO, Executive Director
Faraimose Kutadzaushe
CFO, Executive Director

M-KOPA Offices

London, UK
Headquarters
3rd Floor, One Crown Square, Woking, Surrey, GU21 6HR, United Kingdom
Accra, Ghana
Headquarters
M-KOPA Ghana Ltd, off Nii Martey Tsuru St, Accra
Johannesburg, SA
Headquarters
The Campus, Twickenham Block Cnr Main and Sloane Street Bryanston, Johannesburg, 2021
Kampala, Uganda
Headquarters
Burton Street, Plot 8, Aponye Mall, Level 4, Kampala
Lagos, Nigeria
Headquarters
The Bulb, 39, Ikorodu Road, Jibowu, Yaba, Lagos
Nairobi, Kenya
Headquarters
21 Riverside Paddocks, Nairobi

Our Awards and Recognitions

Financial Times

Africa's Fastest Growing Companies 2022 - 2024TIME 100 Most Influential Companies 2024FasT Company

The World's Most Innovative Companies 2018Fast Company

Best Workplaces For Innovators 2023

Our Investors

We're backed by some of the leading venture capital and financial investors from around the globe.