Orange Money Group is expanding its financial services footprint across Africa through a new partnership with fintech firm JUMO. The deal aims to deliver real-time mobile loans to unbanked users, starting in Burkina Faso, with rollouts planned in Mali and Botswana.
The collaboration matches Orange Money’s distribution strength, more than 100 million customers in 16 countries and over €160 billion in mobile transactions last year with JUMO’s AI-driven credit infrastructure. JUMO has disbursed more than $8 billion in loans to 31 million users across nine African markets.
According to data released via Orange’s July 2025 announcement and JUMO’s official newsroom, the new offering will allow customers to request short-term credit directly from their mobile wallet. No bank account or collateral is required.
Credit Without Collateral
Once a user initiates a loan request via Orange Money’s USSD or app interface, JUMO’s risk engine evaluates their eligibility using historical wallet transaction data. If approved, funds are credited immediately, with repayments deducted automatically on the due date.
This plug-and-play model offers speed and accessibility in markets with limited banking infrastructure. JUMO says its algorithms have helped reduce loan risk to below four percent, while handling over 250 million loan disbursements to date.
“We are proud to have been chosen to partner with Orange,” said JUMO founder Andrew Watkins-Ball. “This collaboration provides customers with financial choice and allows our banking partners to scale into new markets.”
A New Layer in Africa’s Fintech Stack
By embedding credit within a widely-used mobile wallet, Orange is tapping into an underserved segment. More than 40 million of its users already rely on Orange Money each month, yet many lack access to formal credit.
Aminata Kane, CEO of Orange Money Group, noted that the partnership helps meet growing demand for accessible loans.
“We want to support customers beyond daily transactions. This partnership lets us deliver credit faster and in a way that’s tailored to everyday emergencies and personal projects.”
The model could become a blueprint for telecom-fintech collaboration, especially in Francophone markets where credit penetration remains low. Governments in the region have also begun examining regulatory frameworks for mobile lending, signalling growing policy interest in digital credit scoring tools.
Why it matters:
Mobile credit is fast becoming the next battleground in African fintech. This partnership blends telco infrastructure with fintech intelligence to serve borrowers historically shut out of formal financial systems.
About Orange Money Group:
A financial inclusion platform used monthly by over 43 million people across 16 African and Middle Eastern countries. Orange Money defines the mobile financial services strategy for the region and supports local rollouts and partnerships.
About JUMO:
A technology company powering AI-led lending infrastructure for banks and mobile operators. Since 2015, JUMO has facilitated over $8 billion in loans across nine African countries including Ghana, Kenya, and Côte d’Ivoire.
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