The Scrums.com Heartbeat index of Africa's leading fintech platforms. Every platform is reviewed by our product design team. Expert UI/UX assessment, functionality testing and a Scrums.com rating. First published 2022; the directory is refreshed on an annual research cycle as platforms evolve.
With an ever-changing and constantly developing economic climate, financial technology platforms are racing to keep in tune with an increasingly digital financial world. With Scrums.com's over a decade of expertise in scaling fintech platforms, we've seen the companies that are currently dominating the African fintech space.
At Scrums.com, we are committed to promoting innovation and growth in the African fintech industry. As a leading software development company in Africa, we understand the potential of technology to transform the financial landscape and improve lives. That is why we publish the Scrums.com Heartbeat. Think a Forbes Top 100 list, but for fintech companies in Africa. For over a decade we have helped tech businesses scale with world-class software across the African fintech space.
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How we pick platforms for the Heartbeat list
Our product design team assesses each platform against three review dimensions. The list was first published in 2022 and is refreshed annually. Profiles, reviews and ratings are updated as platforms evolve, so the directory stays evergreen rather than pinned to a year.
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Expert UI/UX
These fintech platforms combine the latest UX and UI trends, strategy, technology, data and design to solve the most complex business challenges.
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Platform functionality
World-class platforms need to perform optimally on web and mobile to ensure the best user experience. We test responsiveness, speed and cross-device behaviour.
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Scrums.com ratings
As a leading software development company in Africa, we review and rate each platform against our rigorous engineering and product standards.
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The top 100 fintech platforms in Africa
$101 platforms
Index: Fintech in Africa. Click a column heading to sort. “#” is the row position in the current order, not a ranking. “Details” opens the description and the Scrums.com review.
Branch is revolutionising banking in emerging markets by bringing world class financial services to smartphone users in the continent, enabling them to save, make transactions, pay bills and invest money. Applying machine learning, Branch has created an algorithmic approach to determine credit worthiness via customers' smartphones. While this tech-forward approach requires transparency and trust, it also enables a fair, secure and convenient path for customers to build capital and save for the future.
Expert UI/UX
Branch boasts a user experience that is second to none, with a clean, fresh and innovative interface that makes it easy for anyone to use their products. With over 40 million downloads across Africa and India, Branch is one of the most popular finance apps in the world. Branch is constantly striving to improve our user experience and offer more features and functionality that can help people achieve their financial goals. While having to simultaneously take the big issues of first-time banking users on their platform.
Platform functionality
Branch is building a new frontier of finance where banks aren't physical, paperwork is obsolete and possibility is the end game. Branches’ modus operandi is to provide fair access to high-quality digital banking products that can help people take control of their finances and reach their goals. One of the key strengths of Branch is its focus on using technology to make financial services more accessible to underserved populations. The platform uses cutting-edge technology, such as machine learning and artificial intelligence, to help it provide loans and other financial products to people who might not otherwise have access to them. This includes people with limited credit histories or those who live in areas that are not well served by traditional financial institutions. Some other stand-out features are its commitment to customer service, and focus on financial literacy and security.
Fawry is the Leading Egyptian Digital Transformation and E-Payments Platform, offering financial services to consumers and businesses through more than 225 000 locations and a variety of channels. Fawry offers a convenient and reliable way to pay bills and other services in multiple channels (online, using ATMs , mobile wallets and retail points). Fawry’s network of retailers includes small groceries, pharmacies and stationaries, and post-offices, all equipped with point-of-sale machines – the same ones used for credit card payments.
Expert UI/UX
Making payments has never been easier, thanks to Fawry's innovative user interface and design. With MyFawry, all of Fawry's payment services are just a tap away! You can easily set up your preferred payment method, and then sit back and relax while they take care of everything for you! Whether you need to deposit or withdraw cash, pay a bill, or invest in savings or insurance products, they make it easy and convenient. Plus, the user-friendly interface makes it simple and straightforward to use.
Platform functionality
Making payments has never been easier, thanks to Fawry! Ingenious solution right at your fingertips, hassle-free, on the go, and designed so you never miss a payment! With myfawry, all Fawry payment services are just a tap away! Fawry has created a solution that works for business and individual users like never before. With such a broad reach, One of the key strengths of Fawry is its extensive network of payment points. The platform has over 120,000 payment points across Egypt, making it incredibly convenient for users to make payments and access financial services. This extensive network means that users can access Fawry services from anywhere in the country, regardless of where they live or work. Fawry's commitment to innovation and technology is another strength. The platform is constantly updating its offerings and adding new services, such as online and mobile banking, to meet the changing needs of its users. This focus on innovation means that users can always access the latest and most advanced financial services through Fawry. Fawry's commitment to innovation and technology is another strength. The platform is constantly updating its offerings and adding new services, such as online and mobile banking, to meet the changing needs of its users. This focus on innovation means that users can always access the latest and most advanced financial services through Fawry.
Developed in Nigeria, Flutterwave provides a payment platform for global merchants, and service providers across Africa. With the app, users can easily integrate API’s, Online Payment Solutions and a Dashboard to manage transactions.
Expert UI/UX
Flutterwave's use of bold headings, and warm tones create a welcoming sense of community for the user. This is a unique brand position for a fintech to take and supports their marketplace service very effectively. The landing page's UI design is modern and beautifully executed. Each page offers interesting visuals and copy. It's an engaging journey exploring the site and learning about Flutterwave.
Platform functionality
The dashboard's UI is minimalist and removes complexity by progressively disclosing required information in complex forms. Setting up a new account feels quick and painless. Throughout the platform, there are links to helpful articles about how to make the most of the services on offer. It's easy for new users to find support and learn how to use the software.
Developed in South Africa, Luno makes buying, selling, storing and selling cryptocurrencies easy and accessible to all. Their mission is to empower everyone with the power of crypto, and manage virtual assets such as Bitcoin, Ethereum and other coins.
Expert UI/UX
Luno's platform interface is clean and modern. This amazing platform is the reference point if one is needed in regards to simplicity and class. Its interface is like no other, and since the company's services are provided to over 10 million customers, I believe the reason why they have provided a world-class platform is because they understand how the experience of users can make or mar a business. The colors used on the platform are beautiful, and they do a very good job of complementing each other. Also, the illustrations used across the platforms are really clean and note-worthy. It does well to show the level of intentionality the company had when designing this platform.
Platform functionality
Luno platform uses over 67 technologies on its platform, and an example is Viewport Meta. The platform is compatible on both web, Iphone and android platforms. It is also accessible via the Safari, Chrome and the Microsoft edge browsers. Navigating across web pages is quite easy as all a user needs to do is scroll. The loading time for contents is also very short and this is really good as it would help improve conversion rate.
Developed in South Africa, Mukuru is a market leader in the field of digital money transfers, and both affordable & reliable financial services to the emerging consumer. It has evolved into offering a wide range of services, but its roots began with providing migrants a safe and convenient platform to transfer money.
Expert UI/UX
The design for Mukuru is bright and bold. The use of colour is striking and very eye-catching. The design allows the user to very easily interact with the platform. The icons, flags and use of colour allow the user to see sections and actions quickly. The platform UI/UX works well on desktop and mobile. The designs really works well to suit the customer's exact needs.
Platform functionality
The platform functions really well on both mobile and desktop. The UX/UI allows the user to navigate the platform with ease. The functionality means users can quickly pay and perform the desired action on the platform. The platform functions well on all operating systems. They have truly built a platform that serves their mission - Mukuru is a Fintech business that gives the emerging consumer access to affordable and reliable financial services.
Paystack was developed in Nigeria, and allows users to get paid anywhere, anytime globally, both online and offline. It streamlines a culmination of payment methods, making it easy for businesses to accept payments from anywhere on the continent.
Expert UI/UX
The Paystack landing pages are uncluttered, vibrant, and straightforward to navigate. The UI is following current design trends and showcases fun animated images to keep the user engaged.
The documentation and support options are thorough, and the overall onboarding experience was seamless.
Platform functionality
By following essential principles of design, Paystack has simplified a complex financial service into bite-size sections and forms. It takes less than 30 minutes to get a new account set up and ready to accept payments.
The dashboard offers detailed performance analytics for the user to be able to track progress and manage the financials of their business.
From South Africa and underwritten by Old Mutual Insure – one of the most trusted brokers in the insurance game. Pineapple offers easy, fair affordable and accessible peer-to-peer insurance, a first in South Africa aiming to maximize transparency, fairness, value and simplicity.
Expert UI/UX
Pineapple's minimalist and quirky UI is intuitive and captivating for younger audiences. A millennial (or younger) user is likely to resonate with the friendly banter and emojis used throughout. This will help new users feel a little less intimidated when entering the insurance world. The clay morphism animations on the landing pages complement the overall modern feel of the platform.
Platform functionality
Pulling inspiration from social media and e-commerce design patterns, the Pineapple app is intuitive and easy to use. The AI image search feature speeds up the process of uploading new items to the platform. Listing an item for cover or requesting a quote has never been simpler. The gamification element is a clever way to get users to engage with the platform more. The platform also offers an array of tools that help users manage all aspects of their insurance coverage, which eliminates many complicated claim-related processes.
Developed in South Africa, TruID allows you to securely access consumer financial data from all major Banks in South Africa. The platform makes getting data simple, with their easy-to-use premium API. It also allows users to create a digital ID, verified with technology like biometrics data like fingerprints and face scan.
Expert UI/UX
As a company that is radically transforming how financial services are delivered, TruID's platform is on another dimesion of amazing. Their platform's interface is very clean and classy. On the home page, while scrolling, there is an interaction present on the "Our Solutions" aspect of the platform. All through the platform, different micro-interactions can be seen and that adds to the platform's sophistication. Though serving as the company's landing page, it also serves as the platform to get insights about their mobile app. The use of colour, texts, icons and imagery is also phenomenal.
Platform functionality
TruID's platform is compatible with a variety of browsers and the loading time is quite fast despite the fact that it contains a lot of interactions. One of the standout features of TruID is its use of biometric authentication. The platform allows users to verify their identity using biometric data, such as facial recognition or fingerprints, making it quick and easy to authenticate their identity. This makes the process of verifying identity much more secure and convenient than traditional methods, such as entering a password or providing a government-issued ID. Another key strength of TruID is its use of blockchain technology. The platform uses blockchain to store users' personal information securely and in a decentralised manner, meaning that the data is not stored in a central location where it can be vulnerable to cyberattacks. This makes TruID a highly secure platform for managing personal information.
Developed in South Africa, Ukheshe uses Eclipse API to offer users enhanced or new revenue opportunities. In essence, it’s a do-it-all banking platform, allowing users to customize the way customers transact, interact with your business, or how their money is managed.
Expert UI/UX
Ukheshe's platform matches its ingenious product. The design is flawless on both desktop and mobile. The pops of orange and clever use of icons make it a dream to use. The design feels like it knows what the user is looking for next and serves up the info with ease. The platform feels solution-driven, much like the company.
Platform functionality
Ukheshe Technologies is a global, digital-first financial services enabler, which shows in its platform's functionality. Through their technology and platform functionality, they enable their clients to pursue financial inclusion with tailor-made payment solutions. The platform functions well on both mobile and desktop with clever interactivity. They truly deliver on their vision to deliver a framework for their customers to build great user experiences, using their developer-friendly infrastructure.
Developed in South Africa, YOCO is the market leader in providing small businesses with payment solutions. Whether those be in-store or online, YOCO helps over 100 000 small businesses manage transactions, sales and finances.
Expert UI/UX
Yoco's platform is absolutely stunning. The interface depicts standards and qualities that few platforms possess. They decided as a company to create a design that deviates from the traditional concept of platform interfaces. The font, colors, and images used enhance the feel of the platform and make it very appealing, providing users with a positive experience. The infinity horizontal scroll on the home page's community insights adds a playful feel and has the potential to engross users in the details they have provided. Also worthy of mention are the interactions associated with the cards, buttons, and other elements on the platform.
Platform functionality
Yoco's point- of-sale (POS) platform is one platform that stands as a single source of truth for all services and information related to the company. One of the standout features of Yoco is its integration with popular payment methods, including credit and debit cards, as well as mobile payment options like Zapper and SnapScan. This allows small business owners to accept payments from a variety of sources, making it easier for them to manage their finances. The platform works by connecting to a small business's existing mobile device, allowing the business owner to accept card payments on the go. They have also provided plugins that make the integration of the Yoco payment gateway into users' WooCommerce, Wix, or Shopify platforms stress-free. The other notable functionality features to mention are their reporting and analytics tools and security features.
Global remittances into Africa has always been a lifeline for most Africans. There's no gainsaying the fact that a lot of Africans would suffer very harsh economic difficulties if they didn't have relatives abroad to send money. This is why remittance services are thriving businesses in the fintech ecosystem. The likes of Chipper Cash figured this out quite early and have continued to expand their service offerings. Last year, the fintech startup raised millions of dollars and launched operations in both the US and the UK to facilitate global remittances to Africa. Indeed, the company is poised to dominate the remittance service industry this year.
Expert UI/UX
Chipper, Aka Critical Ideas, Inc., provides users with a great experience. Chippers interface is focused on making things easy and fun to use. Chipper is dedicated to providing our users with all the features they need to make the most of their digital lives. Whether sending and receiving money across Africa, investing in stocks or crypto or paying bills, Chipper makes it easily accessible through their well-designed product offerings.
Platform functionality
Chipper offers a variety of features that cater to their user's needs, including bill pay, airtime, and investing. Chipper aims to provide their users with a fast, easy, and convenient way to send and receive money across Africa.Chipper also provides access to international markets allowing users to transact in ways they feel comfortable, regardless of it's traditional banking or a more modern crypto currency-focused transaction.
Lendable provides capital to emerging and frontier market fintech companies and provides technology, asset management, and advisory services to leading investors.
Expert UI/UX
Lendable has done pretty well in ensuring that its users get the best experience from interacting with their platform, given how much effort they have put into the design of its user interface. The brilliant use of color on cards and how avatars are placed on them is not just beautiful; it provides a satisfactory feel to the platform's aesthetic. Throughout the platform, the seamless use of ease in microinteractions can be noticed, and it provides a soothing and enjoyable feeling. Other things worth noting are the use of video on the header, the blur effect on buttons, and hovering microinteractions on cards, and all these together are a plus to the user experience.
Platform functionality
Lendable, a company that provides debt financing to fintechs in emerging and frontier markets, has done well in providing its users with the best services available. The company's platform has a seamless scrolling experience and is easy to navigate. Integration of other APIs and services, such as HTML5 and jQuery, is also noteworthy, as it makes it easier for users to access the platform at all times.
Naked Insurance provides instant, honest insurance at game-changing prices. It is the new way to insure your stuff.
Expert UI/UX
Having won MTN's insurance app of the year, their platform does a great job explaining why they indeed deserved the award. The platform's interface is the definition of clean. The colors used work well together, the texts are readable, and the illustrations used are amazing. Generally, the user experience from using this platform is superb because of how accessible the contents are.
Platform functionality
On the Naked Insure platform, users can create accounts freely without any administration or joining fees. In order to request quotes online, users have to request quotes online, and it takes just a few minutes to fill out the form. The platform also has a highly responsive mobile version and is easy to access with very low error rates.
Stiches goal is to make it easier for innovative tech businesses, building tech solutions, to start, optimise, and scale these businesses. Essentislly, this is to build the infrastructure and core functionality for the financial graph, The financial graph refers to a connected network of financial capabilities that interoperates across regions, providers, banks, and other types of financial accounts.
Expert UI/UX
One fact that makes the Stitch platform lovely is how they have opted for simplicity in the way they approached the design of their platform. These days, users are used to seeing text and images or videos on the header of a platform, but they did something different by only using texts, which gave the platform a minimalistic feel. The illustration pack also used isn't a conventional one, and this adds to the platform's uniqueness. The colors and fonts are outstanding and complement each other well.
Another notable feature is how they have done well to add animation to the phone mockups used in order to give users not just a glimpse but a detailed overview of how the Stitch mobile app functions.
Platform functionality
Stitch, which was founded on the desire to make it easier and faster to launch and scale financial products, has done well to provide its users with an API built on GraphQL, enabling faster and simpler queries that can be seamlessly integrated with the user's front end. They've also done well by providing users with pre-hosted pages, which saves them the time it would take to build the user-authentication UI from scratch. Users can as well select templates from an embedded system and change their themes to match the colors of the user's brand.
Yellow Card is the easiest way to buy and sell Bitcoin, Ethereum and Tether instantly at the best rates with zero fees.
Expert UI/UX
Yellow Card's platform is modern and has a playful yet serious feel. The interface is stunning and will undoubtedly capture the attention of users. The platform is user-centric, simple to navigate, and has done well to make deliberate efforts to help users easily understand their mobile applications. The custom-made illustrations used on the platform are one aspect that cannot go unnoticed. They are elegant and add to the overall beauty of the platform's user interface.
Platform functionality
Yellow Card is one of the most convenient ways for users to buy and sell Bitcoin, Ethereum, and Tether at very fast and low fees. Their platform includes links and even a barcode to help users download their mobile app. Users also have access to the Yellow Card Academy and Blog, where they can further equip themselves with knowledge to gain a comprehensive understanding of the company and its services.
Causal Nexus is a technology company based in South Africa that builds next generation payment systems. The company has extensive experience in the banking, payments processing and retail industries, and its founders were among the first to pioneer Electronic Funds Transfer (EFT) systems in South Africa.
Expert UI/UX
It's evident that Causal Nexus understands that excellent user experience is key to success in the payments landscape industry, as they describe it. Thus the focus is on creating beautiful, intuitive User Interfaces that make Casual Nexus's products a joy to use. In addition, the casual Nexus Approach to business is client-centric, showing how they developed their client-focused products that the current market has positively adopted.
Platform functionality
We know that in today's fast-paced world, it's essential to be able to move quickly and adapt to change. Casual Nexus also uses modern, agile methods that allow Causal Nexus to be flexible and responsive to its customers' needs. So, whether their clients are looking for a simple integration or a complete overhaul of your existing payments infrastructure, Causal Nexus can help their clients meet their goals.
Crowdinvest is the disruptive innovation that will redefine the way democratisation of investment happens. We are making private equity public in the cross-border investment world with a revolutionary new platform with a strong pipeline of carefully selected projects that will be tomorrow's next big thing in the developed and emerging economies.
Expert UI/UX
Crowdinvest uses a modern approach concerning its user interface design that has created a platform that is both meaningful and relevant to users. The main aim I’ve identified from Crowdinvest is that they want to make investing easy and fun while providing users with all the tools they need to make informed decisions about their investments. Crowdinvest believes that its platform will redefine how the democratization of investment happens, making private equity public in the cross-border investment world.
Platform functionality
Crowdinvest has managed to tap into large international markets, giving them access to global businesses and start-ups.With such a broad reach, Crowdivest has made a platform that facilitates raising capital for investment through its facilities, making it possible for people from around the globe to participate in ventures they find appealing. All of this is currently achieved by users accessing the Crowedinvests waiting list.
Cryptovecs Capital is a black-owned African Investment and Technology company, headquartered in Johannesburg, that invests in Blockchain-enabled technology companies. The Blockchain Technology and Cryptocurrencies are the harbinger of decentralised applications that are already fundamentally changing the internet and the digital economy. We educate the public about the immense benefits provided by what many call the most innovative creation to hit the banking and finance industry.
Expert UI/UX
Designing a great user experience is essential to the success of any product, and that's especially true when it comes to cryptocurrency. Cryptovecs Capital, has taken the time to understand this and has taken great care to design products that provide users with meaningful and relevant experiences. This approach has helped Cryptovecs Capital ensure that their products are easy to use and provide users with the information they need to make informed investment decisions.
Platform functionality
Cryptocurrency trading can be a complex and daunting task for even the most experienced trader. That's why Cryptovecs Capital designed a platform with a simple and intuitive interface that's easy to use, even for first-time users. With access to sophisticated fund managers, a network of traders, and other influential contacts, Cryptovecs Capital brings the right expertise to manage a diversified portfolio of cryptocurrencies. Their philosophy is to invest in cryptocurrency projects that have strong fundamentals and offer long-term growth potential.
Interswitch is an Africa-focused integrated digital payments and commerce company that facilitates the electronic circulation of money as well as the exchange of value between individuals and organisations on a timely and consistent basis.
Expert UI/UX
Being one of the greatest when it comes to the African payment ecosystem, it is not difficult to understand why they have done well in meeting not just the experience of users but also providing a wonderful user interface. The platform is well designed, clean, and easy to use. There is a great use of microinteraction, white spacing, and shadows on cards. The Interswitch platform is the true definition of class and simplicity.
Platform functionality
Interswitch is currently using several technologies for its platform, and they include Viewport Meta, iPhone/Mobile Compatible, and SPF. These technologies are impressive and increase the functionality range of the platform as well as the number of user needs they cater for.
Lami is an innovative technology platform that enables the distribution, servicing, and exceptional growth of sophisticated financial products for very large customer bases.
Expert UI/UX
I believe that three words that properly describe the Lami platform are bold, expressive, and wild, but certainly in a good way. The platform has done well to break some of the regular patterns we are used to when using platforms while ensuring users still get the best experience. All through the platform, the experimentation and use of bold colors can be seen, and this is really applaudible because it enhances the beauty of the user interface. Another commendable action they have taken is making diligent use of white space across the platform. The general look and feel of the platform is beautiful and provides users with a great user experience.
Platform functionality
Lami is an end-to-end digital insurance platform and API that enables companies across sectors to offer insurance products. The platform is currently built on SSL, Google Font API, and Font Awesome technologies, among others. Navigating the platform is not difficult, and despite its daring approach to trying out new patterns, its functionality isn't affected.
Lipa Payments is a payment software solution for banks and fintech's that allows small merchants to accept digital payments using NFC and Bluetooth technology.
Expert UI/UX
Looking at how much effort has been put into their platform, it is easy to point out that providing its users with a great experience is one of the company's important goals. The aesthetic of the platform is clean, modern, and user-friendly. The intelligent use of a dark background on some sections of the platform provides an out-of-the-box experience that is visually appealing. Scrolling through the platform is also an enjoyable experience, and users get to see information relating to services in copies or texts that are readable and easily understandable. In respect to contrast, it is obvious that they had users in mind while designing this platform because despite the use of dark backgrounds, all texts and colors complement each other perfectly and leave users with an enjoyable user experience.
Platform functionality
The Lipa payment makes use of SPF, IPv6, and Google Apps for Business technologies as part of its integrations. This makes them highly deployable and accessible to a large number of users. The platform also provides documentation, tools, and guides that would help users and other businesses integrate the Lipa Payments technology into their platforms.
Mono empowers the digital economy in Africa, using open banking as a layer for financial data, identity data, and bank transfer payments for businesses.
Expert UI/UX
Mono's platform interface is beautiful, clean, modern, and outstanding. Being in the business of helping businesses access high-quality financial data and direct bank payments, they have proven they understand how important the term ""high-quality"" is. Across the platform, it can be observed that they understand how important breathing space, i.e., white space, is between elements, and this makes it easy for users to scan contents. Also, the way they have masked beautiful illustrations on the cards is beautiful. This changed the game by giving users a playful feel to the platform in general.
Platform functionality
Mono's platform is highly responsive across both web and mobile platforms. Its loading rate is short, and a lot of effort has gone into the design of the mobile-responsive version of the platform. Having reviewed the platform across different browsers, it is important to note how compactible the platform is with most browsers.
Naspers is a global consumer internet group and one of the largest technology investors in the world. Operating and investing in countries and markets across the world with long-term growth potential, Naspers builds leading companies that empower people and enrich communities. The group operates and partners a number of leading internet businesses across the Americas, Africa, Central and Eastern Europe, and Asia in sectors including online classifieds, food delivery, payments, travel, education, health, and social and internet platforms.
Expert UI/UX
Naspers being a global internet group and one of the largest technology investors in the world makes us understand that they have a reputation that is standard and one that they take very seriously. Their platform interface is beautiful, modern, and elegant all at the same time. It is quite simple for users to make use of the platform because it is easy for them to understand and access.
Platform functionality
As a global consumer internet group and technology investor that empowers people and enriches communities, their platform is aimed at serving millions of people at a time, and I believe they are doing pretty well in achieving this standard.
Paymob is an infrastructure technology enabler that provides a suite of financial technology solutions to empower financial service providers across the Middle East and Africa, with the ability to grant masses, access to finance.
Expert UI/UX
Paymob's landing page design is sophisticated and sleek. It is a clear example of how great design can positively influence the overall opinion of a company. They make good use of their primary colour to emphasize key information and guide the user's eye through the sections with scroll animation.
Bold mockup images are used throughout the site to educate the user on the product offerings, along with an interactive demo.
Overall a superb user interface execution and straightforward user experience.
Platform functionality
Paymob offers a wide range of payment solutions, making it a one-stop shop for small to enterprise-level businesses. It simplifies and facilitates the financial processes for businesses wanting to expand into the online market.
Xend allows you to make and receive payments online and offline at zero fees; send money, pay bills, crypto currencies, make transfer even without internet. Available as Android, IOS and Web App
Expert UI/UX
Financial inclusion, according to Xend Finance, is about more than just having access to goods and services. Additionally, it aims to develop a user interface that is simple to use and adapts to the individual demands of its users.
Platform functionality
Xend Finance is aware that financial inclusion entails more than simply having access to goods and services. Additionally, it aims to develop a user interface that is simple to use and adapts to the individual demands of its users.
Aerobotics is an insurance company that offers high-resolution plant data, better policies, with extraordinary precision about what really needs to be insured. Customers have a reduced claims process and only have to pay for optimised coverage.
Expert UI/UX
The Aerobotics platform's aesthetic is clean and minimal, which creates a seamless and easy to use platform. They achieve a minimal and clean look and feel because of their excellent use of white space. Their use of white space, combined with their clever placement of elements and the use of standard patterns, ensures that there is no confusion for the user when it comes to the value or purpose around each feature. The platform has a healthy balance of high-quality images and various forms of data visualisation like graphs, tables and charts, which provide users with more information about the business's agricultural operations and the services they provide, in an easily digestible way. The buttons used contain fantastic micro-interactions while hovering over them, which provides additional context and insight to the user. The usage of colour and typography has been thoughtfully used throughout the platform, which allows for a user to be able to easily read and understand the information available to them. Overall, the user experience of the Aerobotics platform is enjoyable and easy to use.
Platform functionality
The platform is available on both mobile and web, and is compatible with various browsers, like Safari, Chrome and Microsoft Edge. This creates versatility for users and allows them access to the platform irrespective of their device types and browser preferences. The application is fast and responsive, which allows a user to quickly perform and action tasks and information, which again adds to a great user experience.
Bamboo is an investment platform that gives Africans the tools to build wealth from the ground up through real-time access to the global markets
Expert UI/UX
Bamboo offers users a fun and exciting UI and UX experience with quirky 3D Elements that make users feel like they are using a modern investment tool. Baboo’s use of colours makes the application feel luxurious, the use of typography make for an easy reading experience, with users being directed to key points as they scroll.
Platform functionality
Bamboo’s clever UX helps users interact with bamboo’s awesome software that gives Africans the ability to engage with what was once considered a complicated task in the investing world. Bamboo’s ability to simplify the UX process and encourage investments is stunning to say the least.
BankServ Africa is a regional clearing house and authorised Payment Service Organisation (PSO) in South Africa, providing payment processing, settlement and risk management services to banks, retailers and financial institutions. Their FinTech platform provides services such as card processing, payment gateway solutions, mobile payments, and remittances, among others. BankServ Africa aims to make financial transactions simple, fast, and secure for its clients, enabling them to manage their finances with ease and convenience.
Expert UI/UX
The Bankserv platform is designed to facilitate secure and efficient transactions, enabling users to move funds between accounts in real-time. The platform is has a brilliant design, making use of demure animations to intrigue the user, without being overwhelming. The platform is clean and simple, which enhances the overall interaction with the platform.
Platform functionality
Bankserv enables real-time payments, allowing users to move funds between accounts quickly and easily. This reduces the time required for transactions to be processed and makes it easier for users to manage their finances. It places a strong emphasis on security, with measures in place to protect user information and transactions. The platform uses encryption and secure payment processes to ensure that transactions are safe and secure. Furthermore, the platform is designed to integrate with other systems, including core banking systems, card payment systems, and mobile banking applications. This enables users to access and manage their finances in a variety of different ways, making it a flexible and versatile platform.
Major retailers, banks, telcos, and insurers rely on our transaction platform to process consumer payments, including the purchasing of digital goods and services. Cloud-based, enterprise technology allows our customers to easily integrate multiple providers for the most popular value-added services, and provide modern payment solutions to consumers.
Expert UI/UX
The payments platform has been designed with user experience in mind. The user interface is easy to use and navigate, making it simple for users to find the features and functions they need. Electums platform is also responsive, meaning that it can adapt to different screen sizes and devices. This makes it accessible for everyone, regardless of their device or screen size. Finally, the platform is reliable, ensuring that transactions are processed quickly and smoothly.
Platform functionality
Electrum offers a cloud-based solution to help banks, retailers, and MNOs expand their digital goods and services marketplace and process payments for today's needs. The BackOffice and Monitoring tools provide a view on the operational and financial aspects of your transactions through real-time dashboards, powerful troubleshooting, reconciliation and settlement, and flexible reporting.
Finch Technologies is a leading financial technologies business that builds solutions for companies operating in developing countries. Together with their partners, they have built a slick digital onboarding product called Gathr. Gathr is used for identity verification, transaction verification and proof of address through document reading and verification.
Expert UI/UX
The UI and UX of the Gathr platform is very clean and modern. The design is simple and well-thought-out. The platform looks good and functions well. The platform logic easily allows the user to complete the steps and features. The icons are clean and add a good design element to the page.
Platform functionality
The Gathr platform by Finch Technologies functions very well. The digital onboarding product offers many key features that work well for the user. The Identity verification and home affairs check is simple to use. The banking transaction verification through Online Access, PDF Access and Photo offers excellent functionality. The proof of address through document reading and verification features is a great value-add for users. It is easy to upload info and use the platform. The platform is also 100% secure.
Investec is a South African financial services group that offers a comprehensive range of banking, wealth, and investment services. Its fintech platform provides a user-friendly experience for customers, allowing them to access and manage their finances, investments, and savings in one place. The platform offers access to a range of services including payments, investments, insurance, budgeting tools, and banking services, as well as the ability to track progress, making financial management simple, convenient and accessible.
Expert UI/UX
The Investec platform has a very sleek and user-friendly design. It suits the brand and company very well. The user of brand colours is very striking. The font choices really suit the platform well. The UI and UX work well to guide the user and make transactional banking easy. The tools on the platform are well-designed with key elements making the whole process very easy for the users.
Platform functionality
The Investec platform makes daily transactional banking easy. The platform offers a range of budgeting and spending tracking tools, including budget tracking and alerts, a savings tracker, and a debt repayment calculator. These tools help customers to stay on top of their finances and manage their money more effectively. It implements robust security measures to protect customers' financial information and transactions, including secure login, two-factor authentication, and encryption.
Nedbank is a leading South African financial services provider, offering a comprehensive range of financial services including personal and business banking, investment banking, insurance, and asset management. Through its fintech platform, the bank simplifies the way customers interact with their finances by providing access to a suite of digital solutions, such as online and mobile banking, payments, investments, insurance, and budgeting tools. With a strong focus on innovation and technology, Nedbank is dedicated to making financial services accessible, convenient, and secure for its customers.
Expert UI/UX
The Nedbank app is well designed, with a crisp, clean layout, which pays homage to the recognisable brand. The app works well and loads quickly, making it a pleasurable experience for the user. The user interface is professional, yet makes the user feel comfortable enough to interact with the platform easily.
Platform functionality
The Nedbank app is the official mobile banking app of Nedbank, it provides customers with a centralized platform to manage their debit and credit cards, including the ability to block or unblock their cards, view recent transactions, and receive notifications for transactions. The app offers a range of budgeting and spending tracking tools, including budget tracking and alerts, a savings tracker, and a debt repayment calculator. These tools help customers to stay on top of their finances and manage their money more effectively.
Okra, Inc. of Nigeria designs and develops software. The Company offered a platform that allows users to connect bank accounts and financial data directly to third party applications. Okra serves customers in Nigeria.
Expert UI/UX
Just like its competitors, Okra did not play around when it decided to have a platform. The company's platform is a true definition of clean. It is beautiful, minimalistic, and of a very high standard. All elements used on the platform, ranging from texts, buttons, icons, patterns, and colors, harmonize perfectly and have brought about a clean and outstanding platform. The use of white space also adds to the simplicity of the platform and enhances the user experience.
Platform functionality
Okra features a large library that works well with a variety of frameworks and languages. The platform offers products with open finance tools that aid in the digitization and launch of financial services by businesses. Users can acquire thorough transaction data and have their financial account credentials verified thanks to this. It leverages the webhooks API to interface with many services or platforms, and the loading speed is really fast.
SureSwipe is a South African-based fintech company that provides payment solutions to businesses and consumers. The platform offers digital banking, payment, and lending services for customers, allowing them to access and manage their finances, make payments, and track their progress. For merchants, the platform provides a solution to accept payments, manage customer relationships, and issue loyalty rewards, all while ensuring the security of transactions. SureSwipe's goal is to simplify and streamline payment processes, making it easier and more convenient for businesses and consumers to accept and make payments.
Expert UI/UX
The SureSwipe design and brand are bold and striking. It really stands out. There are clever design elements throughout the platform which really enhance the design and user experience. The icons add a nice touch to the platform and allow the user to easily understand the platform. The platform has really great UI and UX and is clearly designed around the user and their needs.
Platform functionality
The SureSwipe platform has exceptional functionality that easily allows the user to take their business online. They have partnered with the leading online payment gateway Peach Payments to ensure the platform functions with the highest level of security. The product offering o the platform is wide and all function really well. The platform really functions well to bring. their vision to life - Whether you’re big or small, they’ve got a solution to meet your specific business needs.
Sygnia is a FinTech company that provides asset management, stockbroking, and administration services. Based out of Cape Town, South Africa
Expert UI/UX
When coming up with their platform, it is obvious that Sygnia had the experience of their users in mind. On the first access to the platform, the first page presented to users is one that contains a list of their different user types and it is beautiful that all the information and details found on each of them is tailored to specific users. Amongst all user types, the efforts put into the "for my children" category is worth noting. They did amazingly well by tweaking the user interface to feel more playful and relatable by children. This can be seen by how they changed the texts, used hand drawn illustrations and how they used subtle colours on cards.
Platform functionality
Overall its a very responsive and modern app displays a lot of numeric data in clear table structures and uses colour only to highlight key information. Has a very structured and ridged layout, and requires training for most users to before familiar with the different services available. It's a fairly intimidating platform to navigate around initially, but has a lot of powerful functionality. The user has full control of their portfolio from the dashboard.
Cryptocurrency exchange. VALR.com is a digital asset trading platform where you can buy, sell, store and transfer cryptocurrencies seamlessly and securely. We offer one of the widest selections of digital assets. We‘re helping to build a financial system that recognises the oneness of humanity.
Expert UI/UX
Valr's platform's aesthetic is clean and modern. It is difficult not to appreciate the use of big and bold images and mockups which adds to the beauty of the platform. The use of white as a background and the spacing of elements also has done well to further improve the user experience as well as the site's aesthetics. When it comes to colours, they have done well to make use of colours that complement each other, have good contrast and visually appealing. One way in which they have used this that is appreciation worthy, is icons. It adds a playful feel to the icons as well as improves the visual appreance.
Platform functionality
VALR provides a powerful API consisting of REST endpoints for transactional operations and a complementary Websocket service providing streaming market, order, and balance updates. This API helps users access current and historic market data, submit trade orders, buy, sell and withdraw cryptocurrencies.
Yoyo is a fintech platform that provides a digital wallet and rewards program for users. The platform allows users to pay for goods and services, earn rewards, and manage their finances all in one place. Yoyo aims to make payments and rewards simple, convenient, and accessible for everyone.
Expert UI/UX
Yoyo offers a user-friendly interface that makes it easy for customers to manage their finances and access the features they need. The platform is accessible and intuitive, with a clear and straightforward design that makes it easy for customers to navigate and complete transactions.
Platform functionality
Yoyo allows customers to make purchases using their mobile devices, reducing the need for cash or physical credit cards. The platform integrates with point-of-sale (POS) systems, allowing customers to pay for their purchases directly from their mobile devices. Yoyo integrates with loyalty programs, allowing customers to earn rewards and incentives for their purchases. The platform tracks customer spending and automatically applies the relevant rewards, making it easy for customers to manage their loyalty programs and redeem their rewards. It uses customer data to provide personalized offers and recommendations, helping to improve the shopping experience and increase customer engagement. The platform uses machine learning algorithms to analyze customer spending patterns and preferences, allowing it to make tailored recommendations based on the customer's interests and preferences.
The Nigerian fintech app helps you to save, and it is doing a pretty good job at this. Little wonder usage is skyrocketing, with over 1 million downloads on Google Play Store alone. Interestingly, PiggyVest paid about 3.5 stars million users who saved on the platform some $480 million in 2021 alone. That's just to give you an idea of how much money people are saving with that app. The momentum is expected to continue in the new year as more people try to save up.
Expert UI/UX
PiggyVest's has succeeded at creating a fun and engaging brand through its use of bold heading, youthful images, and colours. This overall brand identity is encouraging to younger users who may unsure about how to start saving.
The app's bold colours and sleek card designs create a clear visual hierarchy of information. The Stories feature is a great addition that creates a sense of community and empathy between users.
Platform functionality
Creating a new account and learning about the different saving options was effortless. The language used throughout the site and app is colloquial and simple to understand, making the initial onboarding less intimidating. It takes no time at all to start saving toward goals and become familiar with the product.
Baobab provides financial services to half a million micro entrepreneurs and small businesses, fulfilling its mission of broadening access to finance among those underserved by traditional banks. Our global range of products includes micro-loans, savings solutions, transaction and daily banking services as well as innovative banking products like mobile payments, buy-now-pay later plans and digital nano loans.
Expert UI/UX
Baobab understands that financial inclusion is about more than just access to products and services. It's also about creating an intuitive and seamless user experience that meets the specific needs of its customers. Baobab’s heavy investment into user experience (UX) and user interface (UI) design, speaks volumes
Platform functionality
Baobab knows that when it comes to financial services, one size does not fit all. This is why they offer a range of products and services tailored to the specific needs of micro-entrepreneur and small business customers. From mobile payments and buy-now-pay-later plans to digital nano loans, we have a solution for everyone.
Bright On Capital is a peer-to-peer online enterprise-lending platform for SMEs to raise working capital funding from lenders. Based out of Johannesburg, South Africa
Expert UI/UX
Bright On Capital offers a user experience and interface that is modern, fresh, and effective, making it easy for businesses to access the working capital they need to pursue more significant opportunities and grow their business. Making Bright On Capitals Pledge is committed to providing affordable financing solutions that help small businesses thrive. In addition, bright On Capital goes to great lengths to refine each process to make it as user-friendly as possible, easing the burden on users who would like nothing more than to focus on business, not other cumbersome tasks.
Platform functionality
Small businesses are the backbone of all economies, and we believe Bright On Capital understands that. Bright On Capital offers a wide range of innovative online lending platforms to help small businesses grow and succeed.
Chaka is committed to powering digital borderless investing for African businesses and individuals. Chaka is licensed by SEC to operate in the capital markets. We provide global wealth solutions that enable Africans to invest and trade Nigerian, US, UK, and International Stock Markets, and support foreign investment in the Nigerian stock market.
Expert UI/UX
Chaka is committed to providing modern and user-friendly solutions that make it easy for African businesses and individuals to access global investment opportunities. Their easy-to-use platform offers a reliable and convenient way to trade Nigerian, US, UK, and international stock markets and foreign support investment in the Nigerian stock market. Chaka’s dedication to creating a great user experience that makes it easy for our users to navigate our platform and take advantage of our wealth management solutions is evident with positive global adoption.
Platform functionality
Chaka is committed to powering digital borderless investing for African businesses and individuals. Their team combines investment expertise and best-in-class technology to provide reliable digital Investing, trading and wealth management solutions that are easy to use and easy-to-integrate. Chaka is dedicated to catering to our users and providing a great user experience. Their modern User Interface is focused on creating a great user experience.
Buy shares on SA’s cheapest platform! Minimums and platform fees, we don’t got ‘em. Intimidating jargon, not welcome. Tricky tech, fat chance. EasyEquities, First World Trader product, an authorized FSP Own shares in the brands you love from as little as R5 stars! Any material shared or displayed does not constitute financial advice.
Expert UI/UX
The user interface of Easy Equities is very friendly and simple. The use of colour is quite impressive as they give a playful feel to the platform in entirety. It is note worthy to mention that the patterns used in the design also, are beautiful and they reduce the feeling of professionally that the whole platform gives.
Platform functionality
The platform serves as a means to link other parts of the company's services. The loading rate for web screens is impressive. There is also a minimal error rate, and buttons are linked to their correct pages. Currently, the platform is compatible with several browsers and safe. This enables the company to further assist users in achieving their goal, which is to help them invest in securities.
Ankerpay is a South African fintech platform delivering digital financial services to individuals and small businesses. With a focus on convenience, it offers a range of services including airtime top-ups, bill payments, money transfers, and short-term loans. Boasting real-time accounting, instant payments, and encryption, Ankerpay prioritises the security of its customers' financial transactions, while helping to bridge the gap in access to financial services for underbanked populations.
Expert UI/UX
The design and colours are bold and true to the brand. The blue feels very tech-forward with good icons and design. The UI and UX function really helps to allow the users to enjoy the platform with ease. The platform is well-designed with very clever UI and UX features. The design suits the brand and platform really well.
Platform functionality
AnkerPOS APIs allow for simple integration into current and existing payment providers. The functionality easily allows users to use the platform's key features. The platform lets you add invoices to your website or application to allow users to pay with bitcoin or other cryptocurrencies. The Anker Plugin works really well with most websites to provide a cryptocurrency e-commerce solution that gives online stores flexibility when accepting payments. The platform functions really well.
We deliver innovation that matters. We make our customer’s business outcomes stick by implementing and orchestrating technology and the services needed to manage it across both the front and back-office in an effective, efficient and economical manner.Our creditors management software can be used in any size of micro lending business, from small, single offices to big groups and even in banks. Our microfinance management software caters for any micro lending setup, from running your business centrally over the Internet or just managing your business locally in your office.
Expert UI/UX
Across its platforms, Fedgroup uses strong visual imagery to evoke a feeling of togetherness. This helps build brand trust and confidence that the Fedgroup services will meet the individual needs of the customer. The Fedgroup mobile app is delivering well-structured educational content on farming investments and purchase options to its users. The product sections display the essential information in easy-to-digest key points. While keeping the overall design of the screens clean and easy to navigate.
Platform functionality
Traditional obstacles have been removed to streamline the user journey. This helps new users get started with investments and creates security for their future. This inclusive approach to product strategy will marry well with Africa's emerging markets. The site and app's interface and copy are structured with mobile responsiveness in mind, and the overall user flow is seamless and straightforward, reducing the time to conversion.
At a Flash Shop you can safely, easily, and conveniently sell, buy and top up your favourite digital products right in your community, saving you time and money. Flash provides small businesses and spaza shops with the means to sell value-added services to their customers. With hundreds of thousands of physical locations, Flash’s network is now the largest of its kind in Africa.
Expert UI/UX
Good mobile app design and UI/UX involves creating an intuitive and visually appealing interface that allows users to easily navigate and understand the app's functionality which is exactly what Flash achieves. The platform is consistent with the brand's identity and provides a seamless experience across different devices and platforms. The platform prioritises the user's needs and preferences, making their interactions with the app as simple and enjoyable as possible. The bright brand is delightful and bold with great use of colour.
Platform functionality
At a Flash Shop, you can safely, easily, and conveniently sell, buy and top up your favourite digital products right in your community, saving you time and money. An individual can buy or sell the products they need. The products range from virtual essentials to gift vouchers. Some include airtime, data, electricity, and water. Payments, entertainment, gaming, and the national lottery. Flash Business provides the consumer with three major conveniences. Such as Flash machines (where you purchase the machine at any flash kiosk, PEP, PEPEcell store, or Flash SupaTrader to remotely buy airtime, electricity, money transfers and data, from the nearest provider). The platform's functionality involves providing users with a seamless and intuitive experience that allows them to accomplish their goals efficiently and effectively. Flash also offer useful features that enhance the user's experience and provide value to them.
Momint is a decentralised platform for capturing and tokenising special moments in the form of Non-Fungible Tokens (NFTs). The platform provides users with the tools to create, collect, and trade these tokens, allowing them to represent a wide range of items, including digital art, music, and sports moments. Additionally, Momint enables creators to monetise their content, bringing a new revenue stream to the creative industry.
Expert UI/UX
While the Momint brand is international, there is a foot in South Africa. The Momint platform makes capturing and tokenising special moments in the form of NFTs. The platform is very futuristic and Web3 based. The bold use of colour and designs really make the platform stand out. The platform is easy to use and the UI and UX guide the user. They really live up to their mission to make it easy to trust what you're investing in.
Platform functionality
Momint's functionality and assets have been extensively vetted by 3rd party auditors, with real legal contracts embedded into the Digital Asset, kept secure on the blockchain. The functionality is a huge plus for users. This provides Legally Binding mechanisms for ownership and dispute resolution, enforceable in over 160 jurisdictions around the world. This level of functionality really stands out for those who are new to the world of Web3 and those who are already familiar.
Netcash specialises in providing secure, online transaction processing services for SMEs in South Africa. With more than 18 years of experience in the payments industry, Netcash is a leading payments provider to businesses of all sizes throughout South Africa. We provide quality accounting, payroll and payments services and are passionate about giving you the best possible suite of services to make your business succeed.
Expert UI/UX
Netcash's platform is simple to use. It has a clean and simple design. The colors used work well together, and they did a good job of keeping the platform simple. The platforms' use of icons for representative purposes is also noteworthy, as they have done well to incorporate blobs behind icons. This adds a playful element to the platform interface, which improves the user experience.
Platform functionality
Netcash has partnered with more than 20 software integrators. It offers multiple services and solutions available on one account at competitive prices. The platform also provides dedicated Payment Advisors that will assist users in getting the most out of their accounts.
A financial services platform - programmable banking and insurance Based out of Cape Town, South Africa
Expert UI/UX
Root's platform is very neat, and this can be attributed to how well they have managed to put out so much information about their company and services in a very minimalistic way. The interface isn't clustered with too many or unnecessary elements, and users do not find it difficult to understand the purpose behind the creation of the platform. One notable feature this platform has that stands out is the interaction added to the testimonial card on the home page. It is beautiful how the testimonies of customers rise like bubbles, moving at a speed that is just fast enough for users to read their contents.
Platform functionality
Root's system, as a low-code, API-first, end-to-end insurance platform powering universally programmable insurance products, allows users to autonomously prototype and launch universally programmable, API-ready insurance products; open up an infinite number of sales and engagement channels, from embedded to chatbots; integrate into other systems and the broader ecosystem; and finally, manage the full policy lifecycle, optimize data enrichment, and solve for regulatory compliance. The inclusion of a demo version is fantastic, as it allows users to gain an understanding of what Root has to offer.
The Sun Exchange is a South African-based fintech platform that enables individuals to invest in solar projects and earn income from the generation of solar energy. It aims to provide clean, affordable energy to communities while allowing investors to earn a return on their investment. The Sun Exchange operates by connecting investors to solar projects in need of funding, providing the financing to build and install the systems, and managing the operations of the projects.
Expert UI/UX
The Sun Exchange is a truly delightful experience. The bright designs are fun and really bring the sunshine! The use of colour emphasizes the brand with clever designs throughout. The platform really allows the user to understand the brand, how it all works and really gives the user incentive to sign up. The platform's UX and UI really brand the brand to life in a warm and welcoming way.
Platform functionality
The Sun Exchange's platform is very easy to use and functions very well. The platform allows the user to browse and discover solar projects, earn and get paid for clean energy and help create a sustainable energy future for the planet. The platform has smart built-in features that really help the user.
Transaction Capital is an active investor in and operator of credit-orientated alternative assets managed by experienced entrepreneurial management teams employing a rigorous value-led investment approach to generate risk-adjusted interest returns & capital appreciation whilst delivering social value.
Expert UI/UX
Transactional capital's platform did not waste time and went straight to providing users with facts and track records of achievements in a bid to build familiarity and trust with users. It isn't every platform that will take such a bold approach but the fact that Transactional Capital has decided to do this is really applaudable and worth acknowledging.
Platform functionality
The platform provides a full report that is accessible to users in a PDF format that helps them gain context on the company's full year results. Also, a presentation is available on the platform that gives users insights about these results.
Zoona is a mobile technology company developing products such as money transfers, electronic voucher payments, and agent payments. interoperable financial services distribution network, making a Zoona Outlet a one stop shop for all consumer needs.
Expert UI/UX
Zoona's platform's interface is extremely user-friendly. The platform makes use of cards with subtle shadows, which results in a really good experience. The subtle shadows on these cards are not harsh on the eyes and appear to be laying softly on the platform's white background, appearing slightly raised and expanded when hovered over. Because of the contrast between the colors and the background, the use of colors is commendable. In general, the Zoona platform has a good interface and an excellent user experience.
Platform functionality
Zoona's platform offers a variety of services to users, including deposit and withdrawal, international money transfers, Z Code, bill payments, bulk disbursements, bulk collections, and stock payments. Users can easily create an account on the Zoona platform because the company has made it simple for them to become agents by providing them with every information they need to get started.
Awamo empowers customers to take their business to the next level, through Microfinancing, where financial services become available to anyone with less effort and risk for lenders. This generates significant social impact by driving financial inclusion and supporting the development of local micro-economies.
Expert UI/UX
Awamo uses a well-designed UI system with an elegant use of colour that makes your small business feel premium. Operating both on Mobile and Web, Awamo creates a seamless experience for users regardless of platform. Moving around Awamo’s Interface feels as if we are being guided on a well-guided tour, effortlessly informing and helping one grow their small business.
Platform functionality
Awamo’s goal is to give users access to better tools to help them improve their businesses. Awamo archives this by using stunning and intuitive designs that allow users to focus on their business without worrying about unwanted cumbersome distractions when trying to incorporate essential Services into their day-to-day business.
JUMO is the market leading banking as a service platform, enabling real-time access to funds at the lowest possible operating cost
Expert UI/UX
In recent years, there has been a lot of growth among fintechs in the African technology ecosystem, and it is beautiful to see that Jumo is doing excellently well in keeping up with and thriving against its competitors. A great way to know this is by acknowledging how well they have put forth effort in designing their platform. The Jumo platform makes great use of cards and large texts, which makes it easy for its users to read through and understand data. Also notable are the use of visuals to illustrate data and the microinteractions present on the testimonial aspect of the home page. In general, the platform provides a great user experience for its users.
Platform functionality
Being aware of the fact that users do not like waiting around, the Jumo platform has a fast loading rate for pages. Its contents are free of unnecessary information that is irrelevant to the needs of users. However, most importantly, the platform is easy to navigate.
We're here to make your payment experience rewarding and convenient. Transfer money, pay for your bills and shopping and earn cashback.
Expert UI/UX
One thing that is lovable about palm pay is how they have used a white background on their platform, and how all elements have a healthy contrast with it. The Palm Pay platform is simple, yet makes a statement that scales the company's business. Being a simple platform, it does very well to give users an understanding of the company and its services in the easiest way possible. It also sheds a lot of light on the company's mobile app, which is great because it draws users' attention to the platform where they offer the most services.
Platform functionality
The Palmpay’s platform functions as a landing page that gives users knowledge about their mobile apps in a bid to give them a deeper understanding of what they, as users, can really benefit from. The platform is responsive across both mobile and web platforms. It is also very fast in regards to loading rate, and the time to interaction is short.
Patricia is an alternative payment solutions company that facilitates the easy use of cryptocurrencies for everyday transactions. By harnessing the intrinsic power of Blockchain technology, Patricia is set to make Crypto easy for mankind, hereby creating a new and sustainable path for present and future generations.
Expert UI/UX
As a user, the first time you visit the Patricia platform, you might find yourself wowed! A lot of things make this platform standout, and the fact that it looks this way shows that a lot of hard work and intentionality was put in before they could come up with a world-class platform such as this. On a visit to the home page, I believe they sent a message with their header, which clearly reads that they are out of this world. The use of patterns on the backgrounds of cards and the quality of these patterns are laudable. The illustrations used also add to the look and feel of the platform. Everything from colors to text and buttons combines to create a beautiful interface.
Platform functionality
Patricia's platform is easy to access, and all needed information is presented in a manner that users can easily understand. They have products ranging from refill, OTC, and Hank, which are provided to meet the different needs of their varying users. They have also done well to integrate a learning feature into their platform that provides users with a wide range of knowledge regarding crypto currencies.
Vollar is a digital currency earned by doing good alongside local nonprofit organisations. Based out of Stellenbosch, South Africa
Expert UI/UX
Vollar's platform is what can be called "a mini platform." It only has one page and one section, similar to the headers of conventional platforms with a footer below. However, despite its simplicity, the interface is still user-friendly and points users in the direction intended by the company, which is for them to become volunteers.
Platform functionality
The primary function of the platform is to prompt people into becoming volunteers. To learn more about the platform, users have to sign up and become volunteers before they can do so. The process of registering as a volunteer is super easy, fast, and takes only about 3 steps.
BitFund is an online cryptocurrency investment platform. We provide safe, easy, and compliant access to a wide range of cryptocurrency investments, through an offering of pre-specified and customizable investment portfolios. BitFund manages every aspect of these portfolios including buying and selling, rebalancing (weekly), and safe storage of the underlying cryptocurrencies (through our deep cold storage solutions) on behalf of our investors and institutional partners.
Expert UI/UX
The user interface is sleek and easy to use, making the experience of investing in Bitfund straightforward and enjoyable. The team behind Bitfund have years of experience in both the traditional financial world and the crypto world, meaning they can provide a unique perspective and service.
Platform functionality
BitFunds approach to making a user-centric product starts with BitFund designing a platform with the user experience and interface in mind. BitFunds’ clear goal is for everyone to be able to use Bitfund’s platform easily and confidently, regardless of their prior experience with cryptocurrency, which has definitely been achieved, giving millions of people access to investing in cryptocurrency.
This Africa-focused fintech startup raised nearly half a billion dollars ($400 precisely) in 2021. All that money would be used for expansion purposes and technology upgrades. The super app does everything from enabling users across Africa to send and receive money, order groceries, pay bills and much more. Apparently, with all that money in its possession to do many things, Opay is all set for a fantastic 2022.
Expert UI/UX
Opay's platform is beautiful and has a healthy amount of white space between elements. What is lovable about this platform is how they have gone ahead to provide a modern platform that still retains its simplicity. The texts are readable and understandable, and they maintain a healthy contrast with the background. In regards to the icons used, it is beautiful how colorful and blurred shadows were added to them, giving them a glass-like effect. In general, the experience gained from this platform is positive, and that is a good thing.
Platform functionality
OPay provides a wide range of easily accessible integration choices because they are aware of the various needs of their users as they relate to the various business kinds. Their integrations include OPay Cashier, which provides the best checkout experience for customers and offers the most frictionless and seamless integration with other platforms; extensive APIs that enable customers to customize their own UI for each payment method; and, finally, OPay Plugins, which are easily accessible to the majority of well-known e-commerce frameworks.
Planet42 is democratising mobility by enabling people ignored by banks to get access to a personal vehicle through car subscription service. Based out of Gauteng, Rent-to-buy car subscriptions
Expert UI/UX
Positioning itself as a people-first company, Plant42 succeeds at fostering trust with its users. The emotive language used, creates a sense that the company really empathizes with its target market and wants to create a fairer future for everyone. The interface is bold and rich with descriptive illustrations that support the copy.
Platform functionality
There is a single form required to get a preliminary decision, with the deciding factor being the user's monthly income. This streamlined approach removes obstacles for new users and is encouraging for skeptical users.
The application process is straightforward and transparent, with no hidden costs or agendas.
Cassava Fintech is a specialised Pan-African Technology company. Based out of Bryanston, South Africa
Expert UI/UX
SasiFintech goal is to provide a digitally connected future that leaves no African behind. SasiFintech uses technology to improve lives and offer multiple integrated platforms, including Mobile wallets, Cross border payments, Insuretech, and Payment processing. All are developed with a precise understanding of User Experience and User Interface best practices to ensure maximum effective use of each SasiFintech product.Their overall UI/UX experience is dynamic in its cross-functionality, intuitive and instrumental in catching Africans into the modern world. SasiFintech’s innovative approach is what sets us apart from the competition.
Platform functionality
SasaiFintech has a complete focus on delivering digital financial services to Africa’s mobile consumers. Their strategic approach focuses on mass market disruptive innovations covering Mobile Wallets, Cross-border Payments, Payments Processing and Insurtech. All of their services are delivered through the Sasai Super App, a one-stop shop that is deeply integrated into consumers’ lives.
Startupbootcamp Cape Town is a leading accelerator focused on scouting for startups in blockchain, connected devices. Based out of Cape Town, South Africa
Expert UI/UX
Stashaway's platform is an exceptional beauty. The platform's interface is very clean and uses a lot of modern patterns. The way videos are attached to cards and how these videos revolve and replace each other after playing is noteworthy. The illustrations masked with cards also add to the beauty of the platform in general. Another point worth noting is how they have done well to use subtle colors on different parts of the platform, which further improves its aesthetic and gives users a soothing feeling.
Platform functionality
On Stashaway's platform, users can check their performance details based on their portfolio types and also pick a risk level so that they have an idea of what needs to be done. They also provide users with the option to customize their own portfolios by picking their assets and adjusting allocations.
Tala is a financial technology company on a mission to build a financial system that works for everyone. Our first product is a lending app that instantly underwrites and delivers credit to customers who have little or no formal borrowing history. Tala has disbursed over $1B to more than 4 million customers across East Africa, the Philippines, Mexico, and India who use Tala loans to start and expand small businesses, pay school fees and bills, and build more stable financial lives.
Expert UI/UX
As a company that provides digital financial services for the next billion users, Tala has done well by creating an easy to understand platform that is primarily centered on helping users access their financial tools to help them borrow, save and grow, right from their comfort zone. The platforms interface has a playful yet professional feel to it and what makes it so, is how they have used dotted patterns, irregular shapes, non-conventional illustratons and most importantly the colours.
Platform functionality
Tala helps users get loans on their platform, deposit and withdraw cash easily and conviniently, track their spending, set savings goals and view tips and courses on how they can grow their businesses, savings, credit and more. When viewed on mobile, the platform is still very responsive and it functions effectively with a very low error and loading rate.
Zeepay is a Ghananian owned fin-tech focusing on digital rails to connect digital assets to international money transfer operators, payments, subscriptions, international airtime, and refugee payments.
Expert UI/UX
Zeepay's platform is simple, and they have gone the extra mile by adding a cartoon-like feel to the images they use to further engage the attention of users. The platform is very easy to use and does not go beyond the boundaries of conventional platforms, which makes it easy for users to relate to and understand. Also, the way they masked some of the world's important statues and buildings to the card on their home page does well to pass the message about their efforts to improve financial inclusion and make the world a better place to live.
Platform functionality
Zeepay provides a wide range of products to meet users' daily financial needs. APIs power these products, which include cash payout, cash termination, visa direct termination, remit insurance, and mobile money, among others. Despite these features, accessing the platform is quick and simple, owing to how quickly things load on the platform.
M-KOPA is a connected asset financing platform that offers millions of underbanked customers access to life-enhancing products and services.
Expert UI/UX
Having understood that their target market is everyday people, M-Kopa Global has gone ahead to create a platform that is simple and easy for users to understand. They have done well by ensuring that the copy texts are straight forward, easy to understand, and readable. Also, the images used depict the user type at which the business is targeted, which adds to the user experience. Generally, the platform is simple and beautiful.
Platform functionality
Being a company that is aimed at providing financing solutions to underbanked customers, it is very important for their platforms to meet certain requirements, such as short loading times, low error rates, and compatibility across platforms and browsers, and their platform meets these standards.
Simple and relevant mobile financial services. Africa's largest mobile money aggregator. Onafriq is a digital payment company that offers mobile financial solutions for senders, money users, and service providers.
Expert UI/UX
We all know that no one tells a story better than someone with the experience, and that is a mine Onafriq is fully extracting from. They have used their platform wisely to tell their story as a company and gain the trust of users. Also, understanding the psychology of color is really important, and they have done pretty well to prove that they do. Black and yellow, being their primary and secondary colors, were used cautiously all through the platform, and this further gave users a more enjoyable experience. Other things worth appreciating are the quality of images and patterns used, as well as their consistency all through the platform's pages.
Platform functionality
As a company that offers mobile financial solutions to users for money transactions, Onafriq's platform has been designed in a way that all users can have easy access to their solutions. Their platform is accessible, and navigating through and across pages is quite easy.
ooba pioneered mortgage origination in South Africa and now offers a range of solutions to homebuyers. As South Africa's leading home loan originator, we can help you to not only finance your home with ease, but also see that you're well insured.
Expert UI/UX
Being in the business of giving home loans, the Ooba platform gives users knowledge in regards to what the company is all about right from their very first interaction with it. The company has done well by providing a platform on which users can not only get information but also calculate their loans easily.
Platform functionality
Having become South Africa's top authority on home loans after helping hundreds of thousands of homeowners buy their dream homes, they have properly understood how the ecosystem in which they operate functions. On their platform, customers can check their credit score, determine the size of the house loan they qualify for, and get quotations from several banks to help them find the best prices.
Paga is a mobile payment company. We are building an ecosystem to enable people to digitally send and receive money, and creating simple financial access for everyone.
Expert UI/UX
As a mobile payment company that is building an ecosystem to enable people to digitally send and receive money, Paga has a platform with an interface that is simple and minimalistic. The use of high-quality images on the platform is applaudable, and the texts are also readable.
Platform functionality
The Paga system has different APIs that help it integrate effectively with other platforms. Its error rate is very low, and it is compactible on different platforms such as web and mobile. The platform makes it easy for users to create accounts and carry out transactions in a short time.
Paymenow Group is an employee benefits platform that offers users early access to earned wages at affordable rates. a financial wellness and inclusion platform that allows employees early access to already earned wages
Expert UI/UX
Paymenow's platform is one that has gone ahead to try out different patterns in order to provide a unique platform. The interface is so simple that it does not take users much time to understand the values that drive the company. The use of mockups and images to further give users a visual of how their mobile app and dashboard look is a big plus for the user experience.
Platform functionality
On PayMenow, users can request demos so they can try out functionalities and understand the platform before going ahead to make purchases or subscriptions for their company. The demo provides users with most of the major features they need to get their business running. The platform's loading rate is also fast, and it has a low error rate.
Simply is a #fintech #insurtech company, providing mass market life insurance combos (life + disability + funeral) for South Africans. Based out of Cape Town, South Africa
Expert UI/UX
Simply, just as the name signifies, is a simple platform that is aimed at helping users keep life simple. The platform interface is user-friendly and uses illustrations to tell their story. One outstanding feature they have is how easy it is for users to fill in information on their home page that helps them calculate the cost of coverage or insurance per person. The platform's elements have a good contrast with its background, and that increases the user experience.
Platform functionality
The Simply platform has a low error rate and is highly responsive on different browsers and platforms.
SmartAdvance is a financial wellness provider that empowers employers to uplift and enable employees with safe and affordable financial products and services. By adopting the SmartAdvance wellness programme, employers can facilitate financial stability, reduce bad debt, improve employee credit scores and reduce personal stress – resulting in more productive employees.
Expert UI/UX
The Smart Advance platform is beautiful and of a high standard. It is simple and functional, and it is easy for users to access. The use of illustrations and texts to explain their services is really amazing, as they give the platform a feeling of friendliness. The use of purple on some of the texts, icons, and illustrations just adds to their beauty, and the way they all have a healthy contrast with the platform's background is praise-worthy.
Platform functionality
SmartAdvance which helps employees on the journey to financial freedom, provides its users with services such as Wage streaming, credit and insurance. The platform, analyse and generate an in-depth report on the financial status employees based off their credit scores to give them an overview of their financial situation. It also, gives access to a personalised dashboard that gives an oversight on which staff has active accounts with them, the outstanding amount, as well as control over the staff application on the products and services.
we discovered our niche in systems integration. We know who we are and we know who we are not - we don’t build platforms, we don’t sell accounting software; we’re specialists in systems integrations.
Expert UI/UX
Stock2shop, a company that connects ERP or accounting systems to e-commerce platforms, automatically balancing inventory, managing pricing, and generating sales documents, has done exceptionally well by developing a platform that shows users how ERPs can be integrated with their platforms. The user interface has a serious and professional feel, and the way they have used a dark background on most parts of the platform makes it stand out.
Platform functionality
Stock2Shop assists users in entering online orders into their accounting system and automates the sending of fulfillment notifications to their third-party logistics service provider. The platform integrates with many ERPs or accounting systems, including Sage, SQL, Dolfin, and IQ Retail, among others, and caters to businesses such as dropshippers, marketplaces, B2B, and e-commerce.
Arcus Capital has created a robo advisor with advanced investment algorithms that trawl the market and analyse them using big data.Our investing solution integrates investment management with goal planning directly. Performance can be viewed as progress against a set goal rather than solely against a performance benchmark.
Expert UI/UX
Arcus Capital is cutting the edge of making investments accessible to South Africans.Using clear and precise explanations accompanied by world-class UX and UI design to convey what's typically treated as a complex message in a user-friendly way that captivates and encourages users to invest in their future without having to go through the hoops of having to learn to trade themself.
Platform functionality
Investing should be simple; Arcus Capital makes this possible by making investing open to the general public with a simple sign-up process to access their industry-leading Investment software. In addition, acres Capital Software is easy to use with dashboards that give you the feeling of being in total control of your finances once and for all.
Cenfri is one of Africa’s leading economic impact agencies, seeking to boost economic growth and increase the benefits from sustainable development to low-income households and businesses in emerging markets. In collaboration with our partners, we undertake research and offer capacity building, convening and innovation support to businesses, governments, regulators and donors in Africa and beyond.
Expert UI/UX
User experience (UX) and user interface (UI) design are essential components of Cenfri’s work in inclusive digital transformation. Cenfri recognises that creating great UX/UI is crucial to engaging users and driving the adoption of new technologies. Their team of experts focus on designing modern user experiences that are both user-friendly and visually appealing. Cenfri also provides technical assistance and skills-building programmes to help organisations keep up with the latest UX/UI design changes. By supporting the development of solid UX/UI capabilities, Helping Africa realise its full potential in the digital age.
Platform functionality
Cenfri is focused on four key areas to deliver economic impact and boost sustainable development in emerging markets: financial sector innovation, integrity; resilience; and inclusive digital transformation. Cenfri collaborates with partners to provide this impact through research, capacity building, convening and innovation support. Cenfri's primary goal is to support the attainment of the Sustainable Development Goals (SDGs); Cenfri believes that by focusing on these critical areas, they can help build a world of opportunity and greater equality.One of the ways they achieve this impact is through consumer insights and market assessments. Cenfri uses behavioural science to understand how people make decisions and data and analytics to identify market trends—allowing Cenfri to provide private sector advice on best serving their customers and growing their businesses.
We deliver innovation that matters. We make our customer’s business outcomes stick by implementing and orchestrating technology and the services needed to manage it across both the front and back-office in an effective, efficient and economical manner.Our creditors management software can be used in any size of micro lending business, from small, single offices to big groups and even in banks. Our microfinance management software caters for any micro lending setup, from running your business centrally over the Internet or just managing your business locally in your office.
Expert UI/UX
Delter's platform has a super-simple interface, which is a plus for the experience of users. All the information present on the platform is very easy for users to read and understand because the texts are of a reasonable size and suitable for reading. They also stuck with their primary color (blue) and only applied some tints and shades of it where necessary.
Platform functionality
The platform provides access to various systems for users, such as DELFIN, WEBFIN, and WEBLOANS. They also provide plugins that make user processes easier; examples include biometrics, electronic signature pads, document scanning, backup solutions, SMS solutions, central reporting, and SACRRA membership. Apart from all these already mentioned, Delter also provides integrated services such as credit protection insurance, debt collection, and credit checks, amongst others.
We conversational AI solutions to help financial service providers acquire & retain customers. FCB.ai is the conductor of a conversational AIecosystem to produce impactful onboarding and servicing customer experiences.
Expert UI/UX
FinChatBot is an API-integrated service that personifies itself through relatable caricatures and engaging branding. These design decisions help create familiarity and increase the likelihood that users will engage with the chatbot. The landing pages address the key services offered with descriptive visuals and clear copy, all while keeping the call-to-action accessible. The blog section adds educational value to the user and makes use of good visual hierarchy to improve readability."
Platform functionality
Once integrated, the product delivers customer engagement and gathers behavioral analytics that can be used to further enhance the UX of the customer's product. FinChatBot currently offers a tailored approach to each customer's needs by personally engaging with new user requests.
Lulalend is an online lending company that provides fast and easy working capital funding to small businesses in South Africa. Based out of Cape Town, South Africa
Expert UI/UX
Being a business that focuses on providing services to other businesses, LulaLend is doing incredibly well at ensuring that their users' needs are met by providing a platform that is simple and easy to understand.
Platform functionality
Lulalend delivers business funding using their cutting-edge Lulalend scoring technology. A highly commendable feature of the platform is the provision of a means by which users can pick lending plans, the number of months they intend to use in repayment, and the total they need to pay at the end of the said period. Why this is worth noting is because all these things can be done by making use of sliders instead of having to make calculations manually, which improves the user experience.
Merchant Capital is an alternative provider of working capital for small and medium entrepreneurs. Based out of Johannesburg, South Africa
Expert UI/UX
These days, we have come to understand that it takes a lot of intentionality to be different and in the financial sector, the Merchant capital platform is breaking all grounds. The platform is modern, simple yet makes a statement and it also contains a healthy blend of patterns which can be seen all through the platform. Merchant capital platform's colours complement each other nicely. Also, on some parts of the platform, it can be observed that some texts were stacked upon eachother. It is important to appreciate how they were intentional to put the experience needs of users first by ensuring there is enough contrast between these texts.
Platform functionality
Merchant Capital is committed to providing working capital to small and medium-sized entrepreneurs. The company's platform is currently making use of different technologies, such as Viewport Meta and SPF, to help provide these services. The platform is responsive across different platforms and provides users with flexibility to access the platform without any limitations.
Niftycover provides you with the insurance cover you need to be able to financially protect yourself and your loved ones for the future. NiftyPay supports and grows local businesses by giving people access to the things they want and need. Small, medium and micro-enterprises (SMMEs) are the lifeblood of our economy. When you support local, you’re turning a dream into reality.
Expert UI/UX
The user interface of Nifty Credit's platform is very simple and easy for users to understand. All through the platform, it is not difficult to see how the primary and secondary colors were used judiciously, both in the texts and buttons. By listing all the different types of loans users can apply for in the header section of the home page, they have done excellently well and eased the amount of time it will take users to get such information, which improves the user experience.
Platform functionality
Nifty Credit's platform functions not just as a company's platform but as a platform that provides services. It is highly optimizable and compatible for both mobile and desktop devices. The processes of creating accounts and applying for loans are easy and fast.
The mobile banking platform for the decentralized economy Based out of Gauteng, South Africa
Expert UI/UX
Before it was dissolved, the Octobase platform had a simple user interface and excels at providing users with information about the business. The use of icons is one aspect of the platform that is constant throughout. The platform's content is readable, and the way they only used two colours, further adds to the simplicity of the design.
Platform functionality
Octobase allowed users to store their Ether and ERC20 tokens all in one place via an Octo Vault smart contract. They provided services such as Smart contract development, Blockchain analysis, Crypto security, token Offerings and Fundraising. Their platform also met the compatibility standards across different browsers and platforms.
Riskflow is a fintech company founded in 1988, focussing on the creation of enterprise software solutions. Based out of Randburg, South Africa
Expert UI/UX
Following simple and traditional web design practices, Riskflow is using bespoke video and captivating imagery to engage with the viewer.
The UI of their app is bold and well-structured to match the mental models of their users. The font and button sizes are large which aids accessibility. The primary colours are used strategically throughout to guide the user journey.
Platform functionality
Navigating around the site and app is simple, with well-thought-out system architecture. The app has a high degree of discoverability for new users, as each section is clearly labeled. Being a fintech software, new users should complete the Riskflow courses available to learn how to make the most out of the platform.
Airbuy is an alternative payment that allows e-commerce sites to accept payments without their customers exposing their banking details.
Expert UI/UX
Airbuy minimalist approach is refreshing it creates an easy-to-navigate and stunning User Interface that’s gentle on the eyes and appealing to users and sellers. Airbuy’s has utilised hyper-modern industry standards for its core user interaction flows, making it an incredibly intuitive application to navigate. Overall, Airbuy has created a product that solves many industry problems; this is highlighted Airbuy’s creative UI and UX experience that enhances its excellent product offering.
Platform functionality
Airbuy is available and easily deployed on many platforms ( WooCommerce - Airbudy’s API), Offering a great deal of flexibility for users, granting them access to the power of AirBudy on a platform they can scale and adapt to their specific use case. Airbus Functionality goes beyond just the integration of its core solution and solves for multiple solutions across the Ecommerce world.
JemHR (formally Smart Wage), helps employers send payslips, process leave requests and communicate with frontline employees in just a few clicks. Jem builds HR Software for companies with frontline workers. Using WhatsApp, we make it easy for HR and Payroll Managers to send payslips, process leave requests and communicate with thousands of frontline workers in just a few clicks.Jem is system-agnostic and easily plugs into your existing payroll system, whether it's Sage or SAP. That means we can get you up and running in a day.HR and Payroll managers use the Jem Dashboard, a simple web-based application to communicate with their entire workforce. Frontline employees use the Jem WhatsApp channel to request payslips, apply for leave or take a salary advance without the need for an email address or an employee self-service app.
Expert UI/UX
Jem (formally Smart Wage), helps employers send payslips, process leave requests, and communicate with frontline employees in just a few clicks.
The SmartWage platform is clean and very user-friendly. They have really tried to give users insights about what they offer by presenting snapshots of their products on mockups, which helps give them an idea of the look and feel and what they stand to achieve by purchasing the products. The fact that they also offer users a demo is a big plus, as this helps users see and trust their products before making an actual purchase.
Platform functionality
Jem (formally Smart Wage) understands that implementing new software is a big decision, so they provide their users with a risk-free opportunity to try out their product, which is why they have provided demo versions that users can easily access and try out.
MortgageMarket is Africa's first independent online marketplace for home loans. They provide the best home buying experience through convenience, transparency and choice. Allowing potential home owners to easily and quickly find the best home loans tailored for them.
Expert UI/UX
Even without knowing what the mortgage market company does, one scroll through their platform gives you an insight that they are all about homes, and this is a big plus for them. They have done well in using house-like illustrations to pass an impressive message, and this does not just add to the look of the platform but also to the experience of users.
Platform functionality
The mortgage market has provided a means by which users can calculate the home loan they qualify for and how much they can expect to pay back monthly as a part of their platform features. This is really nice because it saves users the time it takes for them to manually calculate this.
PayGate offers leading payment services to enterprise companies worldwide. We enable businesses and individuals across the continent to accept payments online with all currencies and payment methods, including all major cards, mobile money, and e-wallets.
Expert UI/UX
Being a company that provides payment infrastructure solutions to companies at every stage of their growth, PayGate’s platform is aimed at providing users with knowledge on the services they render. They have banked mainly on the use of texts and icons to do this effectively. The platform is not complex and generally meets up to the need for which it was created.
Platform functionality
Using a PayGate ID and an encryption key in combination for authentication is crucial for the majority of DPO PayGate products. The platform has APIs that make integrating it with other platforms simple. They additionally offer plugins for well-known e-commerce systems like WooCommerce, Shopify, Magento, and ZOHO Books, among others. The fact that their functionalities can be altered to fit the style and feel of users' platforms is another significant consideration.
Pula is an agriculture insurance and technology company that designs and delivers innovative agriculture insurance and digital products to help smallholder farmers endure yield risks, improve farming practices and bolster their income.
Expert UI/UX
Pula's interface tastefully incorporates organic lines and shapes, that support the nature and farming images used throughout the site. The strategic use of white space, helps the user read through the information on the site. While the language used in the copy appeals to both the customers and potential investors.
Platform functionality
Each request is handled by a support agent at Pula. This is a necessary service for their target market, as most smallholder farmers have never had insurance or access to advance technology. The company utilizes satellite imaging and machine learning to predict risk, and provide suitable coverage.
Stock Shop provides a toolbox of platforms that financial institutions can white-label to provide financial education. Based out of Johannesburg, South Africa
Expert UI/UX
Stridertech is doing an excellent job of transforming businesses through the use of outsourced digital talent, and they have done well in communicating their strengths through their platform. The platform has a simple yet playful feel to it, as evidenced by the interaction in which cards pop out when scrolled over. The font used complements the platform's style, and the shape-like patterns add to the aesthetics.
Platform functionality
Stridertech's platform is highly responsive on both web and mobile devices, which is an added benefit to the company because their primary use of the platform is to create an opportunity for users to source for talents without leaving their comfort zones. The platform has a referral system where users can earn rewards simply by spreading the word about the company.
walletdoc is the smart, secure & free way to pay bills - with no admin. Based out of Johannesburg, South Africa
Expert UI/UX
From in-store card payments to online sales, WallectDoc offers users seamless payment solutions. They have an interface that gives users all the information they need to make the most of the platform. The platform's simplicity is impressive, and users can easily retrieve important information due to the good contrast between the texts and the white background.
Platform functionality
Setting up a user account on walletdoc is a very easy process. The platform provides users with a wide range of perks, such as real-time transaction visibility, developer-centric APIs, bank-level security, automated settlement and reconciliation, and exquisite customer service. Users can also have access to these services via various means, such as card machines, online payments and payment links, recurring payments, QR codes, and bank-to-bank payments.
SASA is a digital FinTech company that leverage data and tech to take friction out of finance. Based out of Cape Town, South Africa
Expert UI/UX
SASA, a company that enables organizations to leverage mobile devices in a bid to engage and transact with customers, has done well by providing a platform that aims to help users understand their goals and how they go about achieving them. Their platform isn't complex, and it is lovely how they have stuck to blue and yellow, which are their primary and secondary colors, all through the platform.
Platform functionality
SASA's financial platform connects businesses to their customers via USSD, SMS, WhatsApp, and online and offline apps as a company that enables organizations to create scalable mobile-based ecosystems. They have also provided a demo version for their users, which aids in building trust, and the platform is mobile-friendly.
Most organizations want to easily acquire and service a lot of customers digitally but struggle with complex processes. We help by seamlessly automating these processes so that they can be more productive, make customers happy and boost revenues.
Expert UI/UX
Seamfix which are technology partners of choice for thousands of global organizations on their journey of Digital Transformation, have provided a platform that is not just straightforward, but a good source of information to users that need to understand the company and their goals. The interface of the platform is neat and professional. A nice understanding of text and colours hierarchy were also exhibited, providing users with a wonderful experience.
Platform functionality
The Seamfix platform provides different functionalities for users, such as SmartMDM, which helps users manage multiple mobile devices on one platform to help them monitor, track, and secure their funds. Users have the option of requesting a demo, creating an account, and trying out a free trial. Through this, users get access to the SmartMDM portal as well as their Android and web applications.
StashAway is the digital wealth manager that intelligently navigates macroeconomic data, not the market ups and downs. Our clients get similar returns to benchmarks with just a fraction of the risk. It's not magic, it's intelligent investing.
Expert UI/UX
On accessing the Startupbootcamp platform, the first thing that catches a user's attention is the image used in the header, which tells a big story about the company, how well they are doing, and how far they have come. The platform's interface is simple, and it is lovely how they have kept scrolls minimal and focused only on the important details.
Platform functionality
Startupbootcamp is highly responsive and compatible with different browsers and devices. The rate at which the platform's contents load is quite fast. The platform is also supported globally by AWS.
Token Capital delivers Software Development solutions that enables our clients to meet the rapidly changing demands of their businesses and stay competitive. With a team of over 15 software engineers, we have for the last 2 years been delivering and solving the most demanding software problems, across all industry sectors. Our software engineers use a combination of best of breed development technologies, platforms and methodologies, internally developed re-usable system building blocks and a suite of software products to deliver customised software solutions to our clients.
Expert UI/UX
Token Capital's platform is a very easy to use and simple platform. Its features are not complex and they have done well in providing users with the basic information they need while keeping in mind their experience. On the primary buttons, a little micro interaction was added and this help add a little sophistication to the platform's simplicity. Also, how there is a healthy contrast between elements and texts with the platform's backgrounds is worth appreciating.
Platform functionality
Being on a mission to create value to users in every direction,Token Capital platform functions as a go to resource for users to be able to get information about the different services that the company offers. Navigating the platform is also quite easy and straightforward for users.
Zenka Finance is an international Fintech focused on mobile lending. Zenka provides a AI powered, high-end, and customer-friendly smartphone application for small business owners, entrepreneurs and tech-savvy customers that can receive their loans seamleslly to their mobile wallet.
Expert UI/UX
Zenka Finance, an international Fintech, has created a user-friendly, easy-to-navigate, and simple-to-use platform for its users. The interface has a mostly white background that contrasts well with the other elements, including the platform texts. In general, the user experience is positive, and users find it easy to understand and navigate the platform's information.
Platform functionality
Zenka's platform is one page and does everything. Users can find all of the information they need about the company on this page. If users are interested in changing the world, they can join the company's team through the platform. Users have no trouble accessing the platform from different browsers and at a fast loading rate because the platform contains less complex data.
AFEX harnesses Africa’s commodities and talent to build shared wealth and prosperity. Their infrastructure and platform investments work to unlock capital to power a trust economy in Africa’s commodities markets. They have since developed and deployed a viable commodities exchange model for the African market, and are on track to impact one million producers; providing services in productivity and value capture and access to finance and markets. They endeavour to facilitate trade with Africa worth over USD500 million in the next five years.
Expert UI/UX
The AFEX platform is a very user-friendly platform with a visually appealing user interface. The platform uses a variety of interactions, which makes scrolling through pages enjoyable. It is clear that AFEX understands the priorities of its users because they make it simple for them to access stock prices without difficulty by offering live data that slides across the top of the home screen. This is an important distinction to make. AFEX platform shows an intelligent use of red as its primary colour because we know how tricky it can get using red when designing. Overall, the platform's main goal was to inform users about commodity exchange rates, and this solution succeeds in that endeavour.
Platform functionality
The platform is mobile-friendly and well optimised, making it simple for users to access crucial information while on the go. The AFEX platform functions really well on a variety of operating systems, including Windows, Mac OS, and Android, which is a bonus for users because there are no restrictions on accessibility.
Akiba Digital enables the extension of lending credit to the underserved SMME and Individual market that cannot be scored with credit bureau scores by leveraging our alternative credit scoring to better assess risk and affordability of this population close to realtime.
Expert UI/UX
Akiba Digital has a simple yet friendly user interface that is easy for users to navigate. The platform makes subtle use of drop-shadows on cards, which improves the user experience due to their soothing appearance. In order to help potential customers better understand what they are offering, Akiba Digital, which is a platform that specialises in giving businesses credit scoring solutions, has done well by making screenshots of their dashboard available to users.
Platform functionality
In addition to offering a platform for users to check their credit scores, Akiba Digital also offers a Selfie Verification API and Bank Statement OCR, which give users the option of automating lending decisions. The platform is very user-friendly and accessible due to its responsiveness and compactibility across various devices and browsers.
Creating long-term value by investing time and capital in high impact industries of the future
Expert UI/UX
Alternative Circle has been around long enough to know what users like; with the use of classic white and blue, creating a familiar experience for users when interacting on either of Alternative Circles Applications ''Pesaswap'' or ''Oye'' Users feel at home with a familiar feeling and navigate easily between these applications.
Platform functionality
Online and on-the-go solutions for your business have never been so easy - with Alternative circle creating and producing digital products to solve users' problems. While keeping up-to-date with current trends and predicting the future of suspected user needs and trends, Alternative circles are perfectly placed itself in the technology market.
We design, build and operate digital insurance businesses in emerging markets. supported by Open APIs to enable insurers and distribution partners to get to market fast. This is supported by our consumer, analytics and actuarial specialist services to create and deliver ‘best-fit’ insurance products for our partners
Expert UI/UX
Inclusivity Solutions is not just a company that focuses on insurance alone, but certainly one that understands the importance of a good user interface and experience. This is evident when you take a look at the home page, where they have highlighted human-centered design and customer experience design as a part of their partner's core system. The platform takes a modernized approach to design, as it contains the use of irregular yet visually appealing patterns, dots, and iconography. The user experience and interface in generally appealing.
Platform functionality
The platform is supported by open APIs to enable insurers and distribution partners to get to their market faster. This is supported by their consumer, analytics, and actuarial specialist services, which are aimed at creating and delivering the "best-fit" insurance products for their partners. Its compatibility across different browsers breaks necessary barriers and ensures that their services are available to all users.
Pesazone are an online lender providing instant unsecured loans to trustworthy individuals
Expert UI/UX
While the UI may be rudimental, the PesaZone app is easy to use. The responsive app interface performs well across a wide range of device sizes and network speeds. Allowing the service to be accessible to more users across Africa.
Platform functionality
PesaZone offers a consistent and reliable service to hundreds of thousands of users in Kenya. The user's credit score and history are integrated into their new PesaZone account instantly, and the loan limit is displayed clearly on the home screen.
All-in-one finance for your everyday needs. Receive, hold, and make payments in multiple currencies, create virtual and physical cards, and pay bills seamlessly
Expert UI/UX
If users are in need of an effective yet beautiful platform that receives, holds, exchanges, and makes payments in multiple currencies, then sendwirepay’s platform is their go-to. Their platform is beautiful and looks sophisticated due to the gradients they used on texts, cards, and effects. The platform’s interface is beautiful and makes good use of spacing between elements, as well as having a very good understanding of text hierarchy.
Platform functionality
The Sendwirepay platform is an access point for users who want to understand the company as well as if they need services that are of high standards. Their mobile platform provides different features, including a multi-currency e-wallet that allows users to exchange, spend, and send money. These features include currency exchange, multi-currency wallets, virtual cards, bill payments, and, most importantly, access to fast payment options.
Zonotho is a social platform that connects people and financial experts. Zonotho is democratising access to high-quality personal finance information
Expert UI/UX
Zonotho's platform has a blog-like feel to it and many articles about making wise financial decisions. The arrangement of these articles subconsciously alerts readers' minds and sets the tone for reading. Users can properly focus and read about these financial details that are beneficial to them because the interface has very few distractions.
Platform functionality
The platform has good compatibility with different browsers and is highly accessible across multiple platforms. This provides users with a variety of options from which they can choose to access the platform.
Meerkat is a financial wellness business committed to making a real difference in the financial lives of its customers. Based out of Cape Town, South Africa.
Expert UI/UX
Meerkat's platform is simple and easy for users to use and access. Its great blend of illustrations, icons, and blobs is highly commendable and gives the platform a unique theme. Across all screens of the platform, there is consistency in the use patterns, and this helps users resonate with the platform by understanding its uniqueness. In general, the platform provides a great user experience, but I believe there can always be room for improvements because the needs of users are ever-evolving.
Platform functionality
The platform is easy to navigate, responsive, fast, and allows users to easily get access to the services offered by Meerkhart. Currently, about 26 technologies have been integrated into the platform to help users, and they include Viewport Meta, iPhone/Mobile Compatible, and Google Font API, which makes the platform more compatible across platforms.
We are building an ecosystem that simplifies how businesses accept payments, make payments and manage operations.
Expert UI/UX
Nomba has an interface that is beautiful and simple. The platform shows a great use of modern patterns all through the platform and an excellent use of color. They have really done well to ensure that their platform is of very high quality and that the experience of their users is top-notch.
Platform functionality
Nomba’s platform offers services to different types of businesses, such as mobile money agents, small businesses, and large businesses. Users can also have access to different payment and banking products. Most importantly, the platform draws users' attention towards the company's mobile app and provides a link through which they can download it from Google Play.
Scrums.com ships fintech-grade software with vetted engineering teams. From banking integrations to consumer apps. Tell us the problem; we reply within a business day.
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