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These are the Top Fintech (Financial Technology) Companies in Ghana (2021)

This article showcases our top picks for the best Ghana based Fintech (Financial Technology) companies. These startups and companies are taking a variety of approaches to innovating the Fintech (Financial Technology) industry, but are all exceptional companies well worth a follow.

We tried to pick companies across the size spectrum from cutting edge startups to established brands.

We selected these startups and companies for exceptional performance in one of these categories:

  • Innovation
    • Innovative ideas
    • Innovative route to market
    • Innovative product
  • Growth
    • Exceptional growth
    • Exceptional growth strategy
  • Management
  • Societal impact

Top Ghana Fintech (Financial Technology) Companies

Data sourced from Crunchbase and SemRush.

OZÉ

OZÉ

Crunchbase Website Twitter Facebook Linkedin

OZÉ brings African small businesses into the digital era. It is an app that makes it easy for businesses to track sales, expenses, and customer information.

The data is analyzed to provide tailored recommendations, reports, and business education. If the entrepreneur needs a little extra support, an OZÉ Coach is just a click away.

As they are using OZÉ to manage their business and learn how to run it better, we are learning about them. Using this data and machine learning, we can predict their credit risk and provide them with affordable capital from our banking partners.

With over 20,000 registered users, OZÉ is the largest online community of SMEs in Ghana. The most exciting thing is that OZÉ works; 97% of businesses that have used OZE for at least 9 months are growing or profitable or both!.

KudiGo

KudiGo

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KudiGo offers a mobile based integrated retail, accounting, payments and analytics engine for informal consumer retailers in Africa. Our solution enables users to leverage on innovative technology in gaining oversight of their business, adopt efficient book-keeping practices and become financial inclusive.

We also leverages on big data and blockchain to enable transparency and allow for real-time oversight my manufacturers and distributors within our niche market.. .

Zuberi Technologies Limited

Zuberi Technologies Limited

Crunchbase Website Twitter Facebook Linkedin

Zuberi Pay is an on-demand mobile employee benefits app in Africa. As an interest free mobile alternative to digital loans for employees, salaried workers have the opportunity to access their salary on a daily basis rather than wait for the month end.

The platform is available to African companies via partnerships who value their employees and want to increase financial wellbeing within the workplace.. .

BezoMoney

BezoMoney

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Bezomoney is a social saving platform for low-income earners that helps them save effectively, access bulk capital through group savings and boost their creditworthiness. The platform features a personal wallet with a lock feature allowing users to save over a period of time.

It features a machine learning model allowing users to accumulate points based on the consistency of their savings which translates into benefits on the platform such as discounts on purchase, acquisition of property and investment options. There is also a group wallet which allows users to participate in rotational group savings with people inside their network..

Bace Group

Bace Group

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BACE is a platform helping financial institutions increase customer experience with facial recognition technology.

Inclusive Financial Technologies

Inclusive Financial Technologies

Crunchbase Website Twitter Facebook Linkedin

Inclusive is a pan-African financial data API that helps financial services onboard.

Pennysmart

Pennysmart

Crunchbase Website Twitter Facebook Linkedin

Pennysmart is a FinTech company.

Nvoicia

Nvoicia

Crunchbase Website Twitter Facebook Linkedin

Nvoicia is a invoice discounting startup compnay.

Pavelon (Afford)

Pavelon (Afford)

Crunchbase Website Twitter Facebook Linkedin

Our buy-now-pay-later (BNPL) platform lets users obtain a credit limit and spend anywhere Mobile Money, Visa, or MasterCard is accepted – in-store or online. Merchants don’t have to integrate any new API’s, install checkout plugins, or acquire any new POS machines.

Our solution works with already existing checkout systems and POS’s. We are building a proprietary AI software and lending backend that performs underwriting tasks on behalf of the credit providers and approves or declines customer credit requests in real-time.

Credit is provided by financial institutions who we connect to with APIs and send approved customer applications and invoices to in real-time. We are building a full technology stack for building and running consumer finance programs..

DreamOval

DreamOval

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Dreamoval is a technology company created in 2007 that specialises in financial transactions in Africa and processes more than 1 million transactions per year. We work with major financial institutions, government agencies and merchants to simplify transactions and streamline your collection process.

From small boutique stores to the most sophisticated banks and retailers, we partner with innovative companies in the implementation of cashless solutions all across Africa. Our solutions help them reduce cash related issues, and process payment from more sources.

They are powering the Slydepay app available in several countries.. .

Triva

Triva

Crunchbase Website Twitter Facebook Linkedin

Triva is a robo-financial services platform that leverages artificial intelligence to advance financial services to millennials. Triva’s goal-based web platform allows users to create financial goals and save smaller amounts towards them.

Users can create one or multiple savings, investment, insurance and Pensions goals and automatically save towards them till the goal is achieved. Our goal is to provide a simple financial tool that makes it easier and fun for people to organise and manage their finances in order to achieve things that matters to them..

Growth Factor

Growth Factor

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Growth Factor is a Fintech startup focused on unlocking the working capital of SMEs in the Agricultural Sector in Africa by streamlining the process of invoice discounting through the use of smart contracts. Our System connects Buyers of Agricultural produce, SME Suppliers and Financiers to ensure transparency of transactions to enable early payment by Financiers to these SMEs.

A large percentage of SMEs are paid for goods at least 30 days after delivery. This leads to stagnation of these SMEs as their working capital is locked up.

Through our system, the acknowledgement of receipts of goods is confirmed by the buyer and communicated to the financier for advance payment to be disbursed immediately at a discounted rate to the supplier. The financier then receives payment at maturity date..

Kitiwa

Kitiwa

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Kitiwa is a site that provides a tool to exchange Ghana Cedis into Bitcoins.

SliceBiz

SliceBiz

Crunchbase Website Twitter Facebook Linkedin

SliceBiz is an investment platform that provides alternative financing for startups in Africa and emerging markets. It provides a web-based investment platform that can be used by anyone to make micro investment transactions.

SliceBiz ensures security and protects both parties of a transaction against fraudulent transactions. SliceBiz is using investors in angel networks to validate companies by allowing angel investors to first provide part of the startup’s funding before turning to the larger middle class group to ask for smaller investments.

It is an approach that leverages investments of business professionals whilst at the same time keeping the threshold of investments low enough to encourage a wider public participation and spreading the risks. SliceBiz was launched in 2012 by [Heather Cochran](https://www.crunchbase.com/person/heather-cochran) and is based in Accra, Ghana..

PayLock

PayLock

Crunchbase Website Twitter Facebook Linkedin

Payment, Escrow, Fintech

Nsano

Nsano

Crunchbase Website Twitter Facebook Linkedin

Nsano Ltd is one of Africa’s pioneering fintech companies with a specialty in mobile financial services, mobile money aggregation, etc.

Xpendly

Xpendly

Crunchbase Website Twitter Facebook Linkedin

Xpendly is a personal finance management app that enables users to manage their finances in one place.

easyfin

easyfin

Crunchbase Website Twitter Facebook Linkedin

easyfin is a relatively new company with the mandate to build and deliver technology products that make life more enjoyable – on a global basis. The first product launched by easyfin is easyfin.tk (on www.easyfin.tk) which is a platform for value adding financial products.

Only one product has been launched on easyfin.tk, called FRay, which helps users evaluate the financial performance and position of companies (web based). More products will follow.

The company is presently working on building a mobile web based news related product, and also looking into an enterprise related project management related product. One of these will most likely be released before the next easyfin.tk hosted financial product will be developed.

Though most of the projects in consideration presently are internet based, easyfin does desire in the medium to long term to enter into hardware and the limitless ‘technological everything’ that will be our future.. .

GhanaCompares.com

GhanaCompares.com

Crunchbase Website Twitter Facebook Linkedin

GhanaCompares.com is Ghana’s first comparison website for insurance and financial products

Kyrios Dougan

Kyrios Dougan

Crunchbase Website Twitter Facebook Linkedin

Kyrios Dougan is a management consulting, FinTech and advisory company.

flippify

flippify

Crunchbase Website Twitter Facebook Linkedin

Digital financial services platform for millennials.

JimahTech Limited

JimahTech Limited

Crunchbase Website Twitter Facebook Linkedin

Saas- digital banking platform, mobile app development,

GP Business Associates - Ghana

GP Business Associates – Ghana

Crunchbase Website Twitter Facebook Linkedin

Business and Investment advisory services in Ghana

PulsePay

PulsePay

Crunchbase Website Twitter Facebook Linkedin

A peer-to-peer money transfer and exchange platform

You may write to us at: Daily Finance Media/Fupping Ltd, First Floor, 61-63 Rochester Pl, London NW1 9JU.

Written by Tenner Smith

Tenner Smith - I have experience in financial intelligence and automated intelligence. In industry I have worked on artificial intelligence and machine learning. Tenner Smith is a reporter at DF media.

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