Value proposition

Our mission: To make financing for everyday essentials accessible to everyone

M-KOPA is a UK-headquartered emerging market fintech that provides affordable smartphones and digital financial services. With operations in Nigeria, Ghana, Kenya, South Africa and Uganda, the company has extended over $1.5 billion in credit to more than 5 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 underserved individuals who earn their income on a daily basis.

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 3 years, and by Time Magazine as one of the 100 Most Influential Companies globally for the past 2 years.


smartphones, fintech, digital finance, technology, financial inclusion, digital connectivity, emerging markets, e-mobility, and impact