After several incubation programs, including Plug and Play and 212 Founders, the Moroccan fintech is now growing rapidly and wants to invest in other African countries.
Hsabati is a fintech solution developed by a Moroccan start-up. Among other things, it enables the owners of very small, small, and medium-sized enterprises (VSMMEs) to track prospecting performance, stocks, invoicing, and finances.
"I've managed several SMEs, I've done consulting and freelance work with SMEs, and they all had the same problem (we didn't have the right tools). Either they were easy to use but too simple and not at all extensible, or they were very complex tools and you had to have a developer on hand. So, after a few months, we had to go back to Excel," founder Saad Kemou told We Are Tech Africa while expanding on the reasons that prompted the creation of Hsabati.
The solution has a mobile application accessible on Android and iOS. Once registered, a user can access the various functionalities that facilitate day-to-day business management. Hsabati is a turn-key solution with functionalities like "CRM", which lets users manage and organize customers and their contacts with all the necessary information, as well as the history of interactions, and "Finance", which lets them keep track of cash flow.
What's more, users can use it without even installing any software and they also need no tech skills. Nevertheless, a premium subscription is required. Its basic package costs MAD149 ($14.62) monthly against MAD249 for the premium package.
Currently, Hsabati operates in Morocco but, it plans to conquer international markets, starting from West Africa. "The simplest and most historic connections are Côte d'Ivoire and Senegal, and then we can expand to the other countries of the West African Economic and Monetary Union," Saad Kemmou said.
Since its launch in 2019, the solution has attracted $600,000 in funding to support its growth.
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Africa suffers from inadequate access to education despite the governments’ efforts. To address the challenges preventing access in some regions, tech entrepreneurs create edtech tools but, they are sometimes inadequate to ground realities.
Genoskul is an edtech solution developed by a Chadian start-up. It allows access to online training courses, and tutors. It also allows users to get relevant answers to their questions, thanks to its smart assistant.
Through its Android app, users can register with an email or phone number to access services like virtual classrooms, where they can discuss with other learners.
"The virtual rooms interconnect learners from different backgrounds for an intellectual exchange. They are supervised by qualified teachers for effective preparation for national and international secondary and higher education exams and competitions,” the startup explains.
Genoskul offers courses in a diverse range of professions such as loincloth shoe making, shea butter processing, and rabbit breeding, as well as in public management and sustainable development, and civic action. According to Valery Kagro, founder of Genoskul, everyone should have access to the education and training of their choice, whatever their age or the type of training they aspire to.
To support its growth, Genoskul has raised CFAF5 million (around $8,149). It is also supported by Chad Innovation, an incubator that gave the start-up a stand at the Gitex Africa 2023 in Marrakech, Morocco.
Recently, it told We Are Tech Africa it has over 17,000 users in French-speaking African countries. It also indicated it was planning to create an English and Arabic version of its platform to expand to African countries where these languages are spoken.
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The solution was developed by a Cameroonian doctor to offer a customized solution tailored to local realities for affordable access to home healthcare.
Clinic Home is an e-health solution developed by E-santé Cameroun. It enables users to book appointments for home or remote consultations with doctors, general practitioners, or specialists. It also offers home laboratory and online pharmacy services.
Based in Douala, E-santé Cameroun was founded in 2021 by Philippe Ohandja, a trained doctor. Its solution aims to smooth the care pathway. For that purpose, it developed a mobile app -available for Android and iOS users- through which users can register and start booking services. To book the services of a practitioner, they just have to fill a form informing of the type of practitioner they need, when and the type of service they need as well as their conditions.
"Few minutes after payment is made, a teleoperator will call [the user] and forward the call to a doctor who will make an over-the-phone assessment before going to the patient’s home. After the consultation, if necessary, the doctor will ask a nurse to go to the patient for further tests or nursing care,” Philippe Ohandja told We Are Tech Africa at Gitex Africa (May 31-June 2) in Morocco.
If needed, the patient can also buy drugs and directly request for tests right from the mobile app.
A consultation with a general practitioner affiliated with Clinic Home costs CFAF10,000 (around $16.41). The fee rises to CFAF15,000 for consultations at night time or at weekends. Consultations with specialists cost CFAF15,000 at daytime and CFAF20,000 for night and weekend consultations. Teleconsultation, on the other hand, costs CFAF3,000.
The start-up claims around 25,000 users. In 2022, it joined an acceleration program in the Sahel through I&P (investors and partners). Although it has not yet completed a financing round, E-santé Cameroun plans to expand outside Cameroon, starting with Côte d’Ivoire.
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Common law is practiced in some 80 countries around the world. Lawyers can therefore refer to court decisions in these countries to defend their clients more effectively. However, accessing such information can sometimes be tedious. Hence the importance of Judy Legal.
Judy Legal is a digital solution developed by a Nigerian start-up. It gives lawyers easier access to case law from common law countries (around 80 countries), particularly Nigeria, Kenya, and Ghana, to help them defend their cases in court.
It aims to be the “most comprehensive, most utilized database of case judgments in the world.”
“Our mission is to support the legal profession and the administration of justice by providing a law reporting service in a convenient form and at a moderate price,” it says.
With its Android and iOS apps, users can access its services once they set up accounts and buy a premium subscription. The type of services they are given depends on their subscription type. The startup has three premium subscriptions. The basic subscription costs $25 monthly and allows services like choosing a database, refining cases by date, court, country, and subject matter, and also highlighting comments. There are also the standard ($50 monthly) and premium ($150 monthly) plans besides the basic plan.
Since its launch, the Android version of its mobile app has been downloaded more than 10,000 times. In 2018, Judy Legal was one of the winners of the Meltwater Entrepreneurial School of Technology (MEST) program, going home with a $100,000 check. Two years later, it was selected to take part in the fifth cohort of Google for Startups Accelerator Africa.
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After working for five years in American firms such as Yahoo, Bassem Bouguerra decided to return to his country, Tunisia, where he launched a start-up shortly before the Covid-19 pandemic.
IntiGo is an e-mobility solution developed by a Tunisian start-up. It allows users to book taxi scooters and vehicles for hire for their errands and package deliveries. The Tunis-based startup was founded in 2019 by Bassem Bouguerra and Nebil Jridet. Since its launch, it has raised $1.6 million to develop its technology, expand its offerings and accelerate its growth in Tunisia, among other things.
"We provide our customers with comfortable and [most modern] cars. We also offer coupons and do not increase prices during peak hours," explained Bassem Bouguerra.
Via its mobile application -available for Android and iOS devices, users can signup to access its services. For a lift, users enter their destination and get quotes for every transportation means available. Then, they can choose the means they want and even filter based on drivers’ ratings or the nearest ride.
In addition to urban transportation, the startup deals with package, grocery, and food delivery. It has seven warehouses where items can be stored. During the coronavirus pandemic, the startup recorded a boom in the number of weekly deliveries. But, after that period, it went from an average of 2,000 to 600 deliveries weekly.
By 2023, IntiGo was claiming more than 200,000 runs and 60,000 app downloads. According to Play Store statistics, its Android app has been downloaded more than 50,000 times, which corroborates the figures put forward by the start-up. IntiGo has expansion plans but, it wants to wait for the right timing, the right destination, and the right product that can compete in international markets.
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After going through an incubation program in 2022, the Kenyan agritech launched its pilot phase in February 2023. Then, with its partners, it decided to proceed to the official launch this month.
Tawi is an agritech marketplace developed by a Kenyan startup. It allows hotels, restaurants, caterers, schools, and hospitals, to directly access fresh produce from small-scale farmers via its web platform. The startup, founded by Cherotich Rutto, launched its platform in 2023 after incubating with SC Ventures, a subsidiary of British bank Standard Chartered.
“Tawi will connect our farmers to an estimated Sh200 billion (US$1.6 billion) market opportunity. Through this platform, farmers will earn more for their produce while also improving the supply-chain efficiency of high-quality products to commercial clients," said Cherotich Rutto, the founder and CEO of Tawi.
The solution does not have a mobile app yet. So, users need to visit its web platform to register either as buyers or sellers.
Between February 2023 when it started testing the platform and May 2023 when it officially launched, Tawi has registered more than 1,000 farmers, and 250 commercial kitchens and made more than 1,000 deliveries.
Deliveries are managed by the startup’s logistics teams, 12 to 18 hours after the orders (a minimum of Ksh2,000 or $14.71) are completed.
The agritech ensures that at least 25 percent of the farmers it partners with are women and youth and that 90 percent of the produce comes directly from farmers. It also plans to integrate financial services like loans and microinsurance, as well as agronomic assistance to spearhead the adoption of good agricultural practices. For the time being, the startup, launched on May 9, 2023, has no expansion plan.
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During the coronavirus pandemic, the African ecommerce industry grew quickly, affecting related sectors, including the delivery segment whose solutions have multiplied across the continent.
Wiikko is a digital marketplace developed by a Congolese start-up. It connects consumers to various businesses and provides parcel delivery for commercial transactions.
Through its mobile app -available on Playstore and Appstore, users can sign up for a Wiikko account and access the listed stores, including fast-foods, restaurants, and supermarkets.
When users complete their purchase, the startup also takes care of the last-mile delivery, thanks to its delivery drivers. Right from the app, users can provide every information required to ensure smooth deliveries. Wiikko is committed to ensuring that deliveries are made within the hour by trained professionals. "We have helped over 50 drivers provide better delivery service through training. Before Wiikko, most of them were unregistered motorcycle cab drivers," the platform says.
The startup claims more than a thousand merchants on its platform, more than 50,000 delivered orders, some 25,000 users, and more than 16,000 active customers. Play Store data corroborates the user numbers as the Android version of the app has already been downloaded more than 50,000 times.
Currently, Wiikko is active in Kinshasa, the largest city in DRC with 16 million residents. According to founder Eric Bemba, in DRC, the startup targets the 5 million and counting active social media users. It also plans to expand outside the country in a later phase.
“Our vision is to become the pan-African delivery service with one of the largest networks of merchants and delivery partners on the continent to promote sustained, shared, and sustainable economic growth, full and productive employment, and decent employment for all," Wiikko says.
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The solution is the result of one of its co-founders’ experiences. Indeed, when her grandmother got serious burns and was to be hospitalized, there was no one to assist her at the hospital since her parents also had chronic diseases. That is how she decided to create a solution to avoid such pain for others.
Mbombo Home Care is an e-health solution developed by a Cameroonian start-up, founded in 2019. It allows elderly and dependent persons to get home healthcare services.
"Mbombo Home Care assists elderly and dependent people in Cameroon every day. We have a personalized approach to home care and choose the best options to meet your expectations," it says on its web platform.
Currently, it has no mobile app. So, users need to visit its web platform to book its services. Once they click on the “Book an appointment” option on the web platform, users are redirected to a Whatsapp account where they can discuss their needs.
Among other things, Mbombo Home Care offers geriatric and general consultations, nursing and life support services, physical therapy, and even daycare services. The healthtech also rents or sells wheelchairs, anti-scarring mattresses, canes, walkers, and crutches.
In 2021, it had a team of about twenty people, of which 90% were women. They included doctors, nurses, and other healthcare workers in the cities of Douala and Yaoundé. Despite the negative impacts of the coronavirus pandemic on its activities, it has continued to grow.
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Before launching MyFeda, the Beninese startup behind the solution had developed a popular payment aggregator. This new technology aims to facilitate online transactions.
MyFeda is a fintech solution developed by Beninese startup FedaPay SAS. It allows users to send and receive funds and make online payments anywhere in the world without a bank account.
"MyFeda is a mobile solution that allows you to manage your money daily. Whether your money is on your mobile money account or a card, MyFeda allows you to control all your expenses whatever their nature (online, or in a brick-and-mortar store),” the solution indicates on its web platform.
To access its services, users need to first download its mobile app (Android or iOS version) and create their MyFeda accounts. The process can be completed in just a few minutes.
With MyFeda, users can send and receive funds via mobile money in Benin, Togo, Côte d'Ivoire, Mali, Niger, Senegal, and Guinea. They can also send funds via Western Union and MoneyGram or make bank transfers using MasterCard and Visa cards. The solution also provides access to a virtual Visa card.
Each MyFeda account is managed by the Lagos-based pan-African bank, United Bank of Africa (UBA), and linked to a card from the same bank.
A monthly subscription fee is required to use the services offered by MyFeda. Since its launch, the Android version of the app has been downloaded more than 5,000 times, according to PlayStore data.
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Senegal held the first edition of “The Digital Week - Senegal Connect” last week, from May 16 to 20. The event, held in Dakar, gave startups the opportunity to showcase themselves before politicians, potential investors, and the general public as a whole. Some of the most promising were celebrated with awards.
Earlier last week, Caytu Robotics won the presidential award for digital innovation during the first edition of The Digital Week-Senegal Connect. The robotics startup, founded in 2020, is thus the second startup to ever receive that award. It seduced the jury with its technology that allows users to remotely control robots from anywhere in the world. With that award, Caytu Robotics went home with a CFAF30 million ($50,000) grant to support its growth.
“Today, remote outsourcing is primarily concerned with non-tangible digital skills such as software and digital content development. CAYTU closes the gap between remote digital outsourcing and onsite physical experience, enabling the distribution of skills and hands-on expertise to distant geographic locations where they are needed. [...] CAYTU’s Robotics Platform is the world’s first crowdsourced Robotics as a Service solution. Our software is robot-agnostic and therefore can integrate any robotics hardware/application through our API,” the awardee explains on its web platform.
Caytu has a mobile app from which users can issue commands. Currently, it is carrying out its pilot phase at Brigham Young University (BYU) in the United States. During that phase, previously selected students and staff can order food at the university restaurant. Once the order is received, in Dakar, the Caytu team remotely controls the robots to deliver the ordered food.
“We implement an AI-Human Collaborative Shared Control approach to put the human touch at the center of robotics and therefore unlock the full potential of robots and create new opportunities for individuals and businesses. We have made teleoperation as intuitive and easy as it can be; simply using our Android & iOS app, anyone with a mobile phone can become a CAYTU Pilot,” Caytu explains.
Brigham Young University (BYU), a private research institution, was chosen to host the pilot phase of Caytu because of robotics professor Benjamin Terry, a BYU professor involved in the project. He joined the project to collect data to better understand human-robot interactions. In the long run, Caytu wants to create a global network of autonomous delivery robots. Still, for now, after BYU, the Senegalese startup intends to expand to other universities around the world.
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The entrepreneurs behind the solution first developed a price comparison app before deciding to set up a solution to connect users to good deals and special offers.
Fomo is a digital solution developed by a South African startup, founded in 2020. It allows users access to special offers in restaurants and various leisure places. It uses geolocation features to determine the best deals, restaurants, and leisure spots closest to users.
Users can access its services via its Android and iOS apps. Once they register, they have to grant access to their geographical locations, which is needed to determine the nearest places. Some of the leisure places presented are museums, spas, paragliding, and horse riding destinations.
“We created this app because we were sick of laying in bed on a Saturday or having a lazy Wednesday where we don’t want to cook dinner, asking the age-old question… where should we go for dinner? What exciting activity can we do today?” the founders say.
Apart from allowing its users to find good deals and visit leisure places, it allows the owners of the listed spots to reach a broader audience. Fomo, therefore, advertises businesses that craft special offers, instead of spending on sponsored ads and similar marketing strategies.
The platform is seemingly a great success because, according to Playstore’s data, its Android app has been downloaded more than a hundred thousand times.
In September 2022, the startup signed a partnership with Google to allow users to book or make orders directly from Google Search, Map, or Assistant. "This is a big step for FOMO as we look to increase accessibility for South Africans to make and manage their reservations at their favorite restaurants both on the app, as well as through Google Search or Maps, quickly and efficiently, further stimulating an ailing industry affected by COVID-19," co-founder Jax Marx said when the partnership was signed with Google.
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The solution is the result of a partnership between unicorn startup Fawry and Softec Technologies. It connects merchants with a network of self-employed delivery personnel.
Roaderz, an innovative digital solution created by the Egyptian unicorn Fawry, enables merchants to facilitate deliveries to their customers through a network of independent delivery drivers. The venture was established in 2022 as a collaborative effort between Fawry, Samer Gharaibeh (founder of the delivery startup Mylerz), Ammar Zawaideh (a corporate finance expert), and Softec Technologies.
“Our goal with Roaderz is to create a solution that can also have a broader social impact, by putting smaller businesses on a level playing field with larger competitors, providing couriers with flexible work and income opportunities, and reducing carbon emissions by decreasing the average kilometers traveled by a shipment before it reaches the end-user,” said Fawry’s CEO, Ashraf Sabry, in 2022.
The solution has a mobile app accessible on Android and iOS. Merchants can sign up to access the services offered after downloading the app. To order a delivery, they have to post a request and one of the available self-employed delivery agents will undertake the task.
When the package is picked up, the merchant can see from the application an estimate of the delivery time and follow the package in real time until it reaches its destination. Payments are handled by Fawry.
Since its launch, Roaderz’s Android app has been downloaded more than a thousand times. The solution intends to cover all of the governorates in Egypt but, there is no international expansion plan for the time being.
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The solution aims to contribute to the achievement of some sustainable development goals related to the quality of education and the reduction of gender inequalities.
iSchool is an edtech platform that allows children aged 6 to 18 to learn software development, artificial intelligence, big data, robotics, and the Internet of Things (IoT). It was developed by an Egyptian startup, founded in 2018, by Mohamed Algawish, Mustafa AbdelMon'em, Ebrahim Youssef, and Mohamed Nabil.
It has no mobile app yet. So, to access its courses, users need to visit its web platform. For 6 to 8-year-olds, it offers a coding program that teaches them programming basics. For kids aged between 9 and 12, it teaches programming languages such as Python or JavaScript. With iSchool, learners aged 13 and beyond start building project portfolios in preparation for their university studies or entry into the job market.
To effectively teach learners, the edtech opted for the STEAM (Science, Technologies, Engineering, Arts, Mathematics) methodology, which allows students to learn through experimentation to better assimilate the concepts inherent to each discipline. Classes are conducted in Arabic and English and learners are grouped into teams of 4-6 students of the same age range for 2 hours 30 minutes of learning each week.
In 2018, iSchool was one of the winners of the Bizex startup competition. Currently, it claims more than 10,000 students enrolled, 250 instructors, and more than 650,000 hours of training delivered. According to its data, its students are mainly in Canada, the United States, Egypt, Sudan, Jordan, and Palestine.
Since its launch, it has raised $160,000 to develop its platform and expand to other markets in North Africa and the Middle East.
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Africa’s low bancarisation rate is an opportunity for many fintech companies to thrive on the continent. These companies, both local and international, offer interesting solutions to improve financial inclusion.
Kowri is a fintech solution developed by Ghanaian firm DreamOval Limited. It allows access to financial services such as loans as well as fund transfers and reception.
“Kowri Business is an integrated Fintech Platform that simplifies how banks and fintech acquire merchants, switch transactions and process local and international remittances to and from any Money Transfer Operator,” DreamOval indicates on its web platform.
Users can access Kowri's services from its mobile application, available on Android and iOS. Once they create their Kowri account, they can access services like fund transfer, airtime, and data top-up as well as utility bill payment.
With its Kowri Business feature, it gives users the possibility to collect payment across mobile and digital channels. By signing up for the service, businesses “get access to a unique payment link, USSD code, QR code, and their own back office portal to enable them to collect payments across multiple mobile money wallets, cards, and cash.”
Through its Kowri Protect feature, the solution offers free insurance coverage to merchants that use the business feature. “Kowri Protect is an insurance solution designed to protect your store against various natural disasters, burglaries, fire, floods, and more,” Kowri indicates.
In May 2023, the solution signed a partnership with US-based student loan provider Mpower to offer loans to African students pursuing Master's degrees in Canada and the US. It plans to expand across Africa but, to achieve that plan, it may have to organize funding rounds.
Adoni Conrad Quenum