
Credit for underbanked earners across Africa
m-kopa.com (opens in a new tab)M-KOPA provides credit to everyday earners across Africa who were previously shut out of financial services. More than 10 million customers have used it, drawing on over $2 billion in credit in total, and it has separately financed more than 10,000 e-bikes in Kenya. In Ghana, M-KOPA's own retail shops are the last-mile point where customers deal with the company. The Financial Times has listed M-KOPA among Africa's fastest-growing companies each year from 2022 to 2026, CNBC named it one of the world's top fintechs in 2025 and 2026, and TIME put it on the TIME100 most influential companies list in 2023 and 2024.