In Rwanda, JaliKoi positions itself as a super-app, combining convenience, financial benefits, and growth opportunities for businesses and individuals.

JaliKoi is an application developed by the Rwandan fintech Jali Finance. Launched on Monday, February 24, 2025, on the sidelines of the second edition of the Inclusive Fintech Forum (IFF), it aims to transform the financial experience for individuals and businesses by offering a comprehensive range of integrated services. The Kigali-based startup is led by Félix Nkundimana.

"Each company offers its own digital platform, forcing consumers to use multiple channels to access services. What we have done is centralize all digital services provided by different companies so that they are accessible through a single platform, JaliKoi," said Frank Mugisha, Chief Technology Officer at Jali Finance.

The JaliKoi app, available on iOS and Android, allows individuals to access financing for items such as motorcycles or vehicles, with affordable interest rates and flexible repayment terms. Users receive a percentage of their spending as cashback on each transaction, which they can use to pay bills or make new purchases.

The app also facilitates payment of utility bills, including mobile top-ups, electricity, and TV subscriptions, with cashback rewards. For businesses, the platform offers cashback-based loyalty programs, socially driven sales campaigns, and an e-commerce marketplace to sell products online.

"Fintech brings agility and innovation, while financial institutions provide trust and scale. Together, they can unlock new opportunities for growth and inclusion," said Félix Nkundimana.

The company said potential challenges to growth include raising user awareness, ensuring a smooth and secure experience, and competition. Partnerships with telecom operators and banks could strengthen its market position.

By Adoni Conrad Quenum,

Editing by Feriol Bewa