
M-Kopa
Founded Year
2011Stage
Loan | AliveTotal Raised
$649.05MLast Raised
$51M | 1 yr agoMosaic Score The Mosaic Score is an algorithm that measures the overall financial health and market potential of private companies.
-12 points in the past 30 days
About M-Kopa
M-KOPA is a company operating in the telecommunications sector. It provides products such as smartphone financing, digital loans, health insurance, device protection, and data plans. M-KOPA serves individuals seeking financial inclusion and access to digital services. It was founded in 2011 and is based in Nairobi, Kenya.
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Research containing M-Kopa
Get data-driven expert analysis from the CB Insights Intelligence Unit.
CB Insights Intelligence Analysts have mentioned M-Kopa in 1 CB Insights research brief, most recently on Jan 18, 2024.

Jan 18, 2024 report
State of Fintech 2023 ReportExpert Collections containing M-Kopa
Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.
M-Kopa is included in 2 Expert Collections, including Fintech.
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Latest M-Kopa News
May 30, 2025
Image Credit: The Mail & Guardian Africa 3.0: How Purpose-Led Innovation Is Shaping a New Global Powerhouse There was a time when Africa was told to catch up. Catch up with Western models of development. Catch up with Silicon Valley’s tech playbooks. Catch up with foreign standards for governance, innovation, and economic success. But that era is fading. Quietly. Boldly. Intentionally. Welcome to Africa 3.0—a version of the continent that isn’t seeking permission or playing copycat. One that’s building on its terms, for its future. For decades, many African economies mirrored external blueprints that often missed the nuance of local realities. From education systems imported from colonial structures to tech accelerators modelled after Western incubators, the focus was on adaptation, not creation. But imitation has limits. What works in Palo Alto won’t always work in Port Harcourt. A fintech model built in Berlin can’t just be airlifted into Bamako. And policies that thrive in Brussels might collapse under the weight of informal economies and infrastructural gaps. That realisation is shaping a new wave of intentional design thinking, where innovation starts with context, not comparison. Building for Us, by Us Across the continent, builders, founders, policymakers, and creatives are flipping the narrative. They’re asking: What does excellence look like when rooted in local truth? In Rwanda, Zipline has now surpassed 1 million autonomous drone deliveries , with expansion into Ghana, Kenya, and Nigeria, positioning Africa as a global leader in drone-powered logistics for health and commerce. South Africa’s SweepSouth , a home services platform led by a Black female founder, is expanding its model of fair-wage, on-demand domestic work across multiple African cities, while integrating AI to streamline bookings and optimise worker protections. In Kenya, M-KOPA has scaled its asset financing platform to serve over 5 million customers, offering smartphones, solar kits, and electric motorbikes through flexible micropayments, fueling digital and energy access for low-income populations. These aren’t just success stories. They’re signals. Africa’s most intentional startups aren’t chasing Silicon Valley—they’re designing for street-level infrastructure, energy instability, and hyper-local behaviours. And they’re turning those challenges into durable competitive advantages. Why 2025 Demands Intentional Innovation The African population is expected to double by 2050, with over 830 million people under the age of 35. That’s not a demographic—it’s a superpower. But it’s also a pressure cooker. By 2025, Africa will need to create over 20 million jobs annually just to absorb new labour market entrants. And the climate crisis is already reshaping agriculture, infrastructure, and public health. Cookie-cutter models won’t solve this. Intentional, localised innovation will. That means: Designing circular economies for waste, not just GDP growth. Reclaiming indigenous knowledge systems as tech blueprints—not relics. Building mobility platforms that understand poor infrastructure, not bypass it. Centring communities in development planning—not just investors. This is the work of Africa 3.0. Not just building apps or raising capital, but asking: Why are we building this? For whom? And on what terms? The New Definition of Progress In Africa 3.0, progress isn’t measured by how well we imitate Silicon Valley—it’s measured by how well we serve Sokoto, Soweto, and Ségou. It’s how many young Africans: Solve real problems with low-code tools, not flashy ones. Create value through community platforms, not just unicorn valuations. Lead with cultural clarity, not colonial residue. It’s a quiet rejection of hustle-worship and a bold embrace of purpose-led progress. Final Word: Beyond the Table, a New Architecture As President Julius Bio of Sierra Leone said, “Africa is no longer waiting to be invited to the table—Africa is building its own table.” But maybe that’s too small a metaphor. Africa isn’t just building a table—it’s sketching blueprints for a new architecture of power, one where proximity to the people, not prestige, drives innovation. This isn’t imitation. It’s invention. This is Africa 3.0. And it’s right on time. Related
M-Kopa Frequently Asked Questions (FAQ)
When was M-Kopa founded?
M-Kopa was founded in 2011.
Where is M-Kopa's headquarters?
M-Kopa's headquarters is located at 21/7 Riverside Paddocks, Off Riverside Drive, Nairobi.
What is M-Kopa's latest funding round?
M-Kopa's latest funding round is Loan.
How much did M-Kopa raise?
M-Kopa raised a total of $649.05M.
Who are the investors of M-Kopa?
Investors of M-Kopa include U.S. International Development Finance Corporation, International Finance Corporation, British International Investment, Lightrock, Sumitomo and 27 more.
Who are M-Kopa's competitors?
Competitors of M-Kopa include Messenger and 1 more.
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