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M-KOPA

M-KOPA is a fintech and digital financial services company that provides smartphones and a range of financial products to everyday earners across sub-Saharan Africa, operating in Ghana, Kenya, Nigeria, South Africa, and Uganda. The company uses an asset-financing model that allows customers to make an initial deposit on a smartphone and then pay it off through affordable daily, weekly, or monthly installments, building a credit history in the process. This approach has enabled M-KOPA to serve over 10 million customers and unlock more than $2 billion in credit for individuals who are largely excluded from traditional financial systems. M-KOPA's suite of services extends beyond device ownership to include digital loans, health insurance, device protection, and affordable data bundles, all designed to expand economic opportunity for low-income populations. The company also operates a large network of over 35,000 sales agents, many of whom are themselves beneficiaries of the economic empowerment model M-KOPA promotes. M-KOPA has been recognized among the world's top fintech companies and continues to scale its impact across the African continent. While M-KOPA is primarily categorized as a fintech company, its roots are in the renewable energy and pay-as-you-go solar sector, where it pioneered off-grid solar solutions for underserved communities before expanding into smartphones and broader financial services. This evolution reflects the company's enduring mission to connect underserved populations to transformative technologies and financial tools that improve quality of life and drive sustainable economic inclusion.

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Nairobi

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https://www.m-kopa.com
Founded
2011
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