NCBA: Leading Africa's fintech revolution, empowering millions

NCBA Group is redefining Africa’s financial landscape through ground-breaking fintech innovations, empowering over 68 million customers with seamless access to credit, savings, and payments. By leveraging strategic partnerships and cutting-edge technology, NCBA, through its subsidiary LOOP DFS, is driving financial inclusion and accelerating economic growth across the continent. MoKash: Transforming lives with open access to mobile loans and savings (MSL) Through strategic collaborations with MTN Mobile Money and Vodacom, the MoKash, MoMoKash and M-PAWA services are unlocking financial potential in Uganda, Rwanda, Ivory Coast and Tanzania respectively, providing convenient and instant access to savings and credit. Our MSL platform in these four countries has grown to a combined portfolio of 29.8 million customers, with a total of USD 1,196.2 million in loans since its inception. MoKash plays a vital role in empowering urban and rural women, youth, and small businesses, bridging the financial gap for traditionally underserved segments and fueling long-term economic sustainability. LOOP®: Africa’s greatest growth catalyst and most valued digital platform LOOP is NCBA’s all-in-one digital financial platform designed to cater to the various lifestyle needs of the aspirational digital-first, digital-native customer in Africa. The platform integrates omni-channel payments (i.e., card, mobile money, QR, NFC, etc.), savings, investments, and differentiated credit offerings (i.e., overdrafts, term loan, BNPL), providing users with a superior, intuitive digital financial management experience. The LOOP platform securely leverages customers’ transactional data and unique behavioural profiling to intelligently promote and orchestrate contextualised matchmaking of exclusive discounted deals and offers, through our digital marketplace – LOOP Discover. By the end of 2024, LOOP had disbursed more than USD 48 million worth of total loans since inception, processed transactions more than USD 876 million for the year with over 400,000 consumers and 160,000 merchants registered in Kenya. LOOP brings the best of both worlds from banking and mobile money, into an innovative lifestyle-centric digital platform, offering customers a best-in-class digital payment service along with embedded credit, personalised financial insights and smart money management tools that help users to grow and optimise their wealth. M-Shwari: The gold standard in mobile banking Through NCBA’s collaboration with Safaricom, M-Shwari has revolutionised digital banking in Kenya by integrating savings and loan services directly into everyone’s mobile phone. To date, the platform has disbursed over USD 6.0 billion in loans and attracted 32 million users – many of whom are first-time borrowers. Beyond credit access, M-Shwari has nurtured a savings culture, encouraging millions to grow their wealth securely with average total customer deposits more than USD 400 million. This transformative solution has unlocked new opportunities for individuals and small businesses, fostering sustainable economic empowerment at every level. Fuliza: An always-on digital overdraft solution Designed for financial continuity, Fuliza provides an instant overdraft facility for M-Pesa users in Kenya. With an average of over 3.5 million transactions processed daily, Fuliza has disbursed more than 22.4 billion dollars, ensuring uninterrupted access to funds for individuals and small businesses. Whether covering urgent bills, restocking inventory, or handling unexpected expenses, Fuliza’s accessibility and reliability make it an indispensable financial lifeline, particularly for underserved communities and SMEs striving for growth. NCBANow: The next era of digital banking As NCBA continues to push the boundaries of fintech innovation, the upcoming launch of NCBANow will set a new standard for digital banking in Africa. This unified banking platform will streamline the digital experience for customers, offering enhanced accessibility and a seamless user interface. NCBANow is poised to complement NCBA’s corporate internet banking suite, ensuring businesses of all sizes can efficiently transact, save, invest, and access credit with ease. Powering Africa’s digital economy NCBA’s fintech-driven ecosystem goes beyond transactions—it fuels economic transformation. By providing accessible financing, empowering small businesses, and enabling individuals to build financial security, NCBA is at the forefront of Africa’s digital banking revolution. With a presence in five (5) countries and a growing network of 115 branches, NCBA is expanding its impact—creating jobs, strengthening financial resilience, and driving inclusive growth across the continent. Through continuous innovation and strategic partnerships, NCBA remains committed to empowering communities and reshaping the future of finance in Africa.

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NCBA: Leading Africa's fintech revolution, empowering millions