JUMO is a financial technology startup that aims to democratize access to financial services through its innovative platform. The company operates in the financial technology market, serving a wide range of clients, including eMoney and banking partners, mobile network operators, and loan book funders. It also targets individuals and small businesses, particularly those without a formal financial identity or credit record.

JUMO's business model revolves around its banking as a service platform, which offers real-time access to funds at a minimal operating cost. The platform has two main features: a next-generation banking infrastructure that provides end-to-end digital banking services, and a machine learning system that analyzes data to reduce the cost and risk of lending.

The company generates revenue by enabling its partners to offer loans, savings, and a variety of financial options to a new customer base. It uses artificial intelligence and machine learning to create accurate credit scores and tailor financial products for its users. Additionally, JUMO provides its partners with reporting, analytics, and insights to offer personalized financial services that are valuable and useful to customers.

JUMO places a high emphasis on data privacy and responsible banking. It uses automated algorithms to prevent customers from overextending themselves financially and has integrated protective safeguards into its technology. Since its inception in 2015, the company measures its success by the number of people it has helped become active users of financial services.

Keywords: Financial Technology, Banking as a Service, Artificial Intelligence, Machine Learning, Credit Scoring, Personalized Financial Services, Data Privacy, Responsible Banking, Digital Banking Infrastructure, Financial Inclusion.