Orange Money, a money -based money transfer service, has teamed up with the Banking Fintech supplier as a JUMO service to improve digital financial services and extend access to microcredit across Africa.
This collaboration operates the analysis of advanced data and artificial intelligence to serve non -banished populations by combining the vast range of more than 100 million Orange customers in 16 countries, and the IA -focused Loan Loan technology, which has disbursed more than 8 billion to 31 million Africans.
Thanks to this partnership, Orange Money will strengthen its financial inclusion strategy by offering new microcredit products via mobile portfolios. Advanced data analysis and JUMO AI models will help optimize credit allocation, reduce loan risks less than 4% and create sustainable credit portfolios.
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In addition, customers will be able to request loans directly via their orange silver portfolios, with the eligibility determined by JUMO AI based on transactional data. Once approved, funds are instantly credited and reimbursements are automated.
Speaking on the partnership, Aminata Kane, CEO of Orange Money Group, said,
“Based on our extensive transfer and payment services, we now aim to support customers beyond transactions, helping them achieve personal objectives and managing daily emergencies. Our collaboration with JUMO accelerates this ambition by combining our scope with their innovative technology for faster, transparent and more suitable credit solutions. ”
Commenting also, Andrew Watkins-Ball, said the CEO of JUMO,
“We are proud to associate ourselves with Orange Money to extend affordable credits to millions. This collaboration takes advantage of the Orange scale and the AI-focused platform, providing customers with greater financial choices and supporting the growth of our banking partners in new markets. ”
The initial deployment begins in Burkina Faso, followed by Mali and Botswana. The Alliance will create a multi-country and multi-product microfinance market, taking advantage of partnerships with Pan-African banks and development financing institutions.
This collaboration represents a new model for Telecommunications Telechytery partnerships in Francophone Africa combining the distribution power of Orange Money with the intelligent credit infrastructure of JUMO to provide loans without friction, without guarantee and based on data adapted to African realities.
Mobile Money has no doubt significantly boosted Financial inclusion in Africa, with sub-saharan Africa leading globally in mobile money adoption, 33% of adults have a mobile money birth compared to 10% worldwide, and account ownership in the region has risen from 23% in 2011 to 55% by 2021. Kenya have transformed access to financial services, enabling transactions, savings, and credit for millions, particular in rural areas where traditional banking is rare.
However, significant financial gaps persist. Almost half of the adult population in sub -Saharan Africa (45%) is not banished, compared to 29% in other development economies. Although mobile money has reduced the African financial inclusion gap, challenges such as low digital literacy and internet limited access persists.
Orange Money and Jumo’s partnership will play an important role in mitigating them by providing USSD-based access (usable on basic phones) and focusing on user-friendly and transparent transparent processes, although wider problems such as gender disparities and regulatory inconsistencies still require attention.
In summary, the Orange Money-Jumo Partnership is a transformative step towards the Commission for the financial inclusion of Africa, taking advantage of AI to offer a large-risk accessible microcredit. It allows poorly served populations, maintains economic growth and establishes a model for telechymosexual collaborations, although its success depends on the fight against obstacles to remaining infrastructure and literacy.
In particular, Orange Money and Jumo Partnership illustrates the next wave of Innovation Fintech focused on credit delivery without friction, without warranty and based on data adapted to African realities.
