Jumo is a company that combines technology and data to create progressive financial services for customers anywhere. It uses both quantitative and qualitative customer data to develop new products in a data-driven way. Jumo has over 9 million customers across 7 countries and has disbursed over $700 million in funds.

2. A B O U T J U M O
2

3. Combining technology with
data to create progressive
financial choices for anyone,
anywhere.
PEOPLE DRIVE OPPORTUNITY

4. From working capital to
savings and insurance, from
unsecured loans to secured
asset finance, from $2 to
$200 000.

5. JUMO IS REALLY EXCITING AND NOT
NECESSARILY ABOUT FINANCE IN THE
TRADITIONAL SENSE, BUT ABOUT DATA AND
REALLY USING THAT DATA TO EMPOWER
ENTREPRENEURS.
ALON LITS, UBER, APRIL 2017
30sTO DISBURSE FUNDS
TO A CUSTOMER
7LIVE COUNTRIES
50TBOF BEHAVIOURAL DATA
$700M
IN DISBURSEMENTS
JUMO AIMS TO REVERSE THE WHOLE
PROCESS OF IDENTIFYING PRODUCTS FOR
CUSTOMERS.
THE NEXT WEB
JUMO HAS A VISION BEYOND THE SUCCESS OF
ITS TECHNOLOGY PLATFORM. THEIR TRACK
RECORD SIGNALS DEEPER COMMITMENT
TO QUALITY FINANCIAL SERVICES.
CFI, OCTOBER 2016
118M
PEOPLE UNDER
INTEGRATED COVERAGE
SAVINGS
WITH 3 BANKS
LAU N C H ING IN 3 M AR KETS IN 2018
GIIRS RATED
PLATINUM CUSTOMER
RATING IN 2017
MASTERCARD FOUNDATION
CLIENT AT THE CENTRE AWARD
340EMPLOYEES
OVERVIEW
9MCUSTOMERS

6. D A TA D R I V E N P R O D U C T D E V E L O P M E N T
6

7. T Y P E S O F D ATA

8. Build the next
generation of
financial services
for your users.
QUANTITATIVE DATA
Quantitative data is data expressing a certain
quantity, amount or range. Usually, there are
measurement units associated with the data,
e.g. metres, in the case of the height of a
person.

9. QUALITATIVE DATA
Qualitative data refers to the data that
approximates or characterizes but is unable
to statistically measure any attributes. This
type of data is descriptive in nature.
Quantitative data in statistics is also known as
categorical data.

10. Build the next
generation of
financial services
for your users.
DATA SCIENCE TEAM

11. CUSTOMER INTEL TEAM

12. B e c o n f i d e n t i n y o u r b i g i d e a s

13. B e c o n f i d e n t i n y o u r b i g i d e a s
A s k c u s t o m e r s w h a t t h e y p r i o r i t i z e

14. B e c o n f i d e n t i n y o u r b i g i d e a s
A s k c u s t o m e r s w h a t t h e y p r i o r i t i z e
B u i l d i t p r o p e r l y b u t l e a n

15. B e c o n f i d e n t i n y o u r b i g i d e a s
A s k c u s t o m e r s w h a t t h e y p r i o r i t i z e
B u i l d i t p r o p e r l y b u t l e a n
A s k c u s t o m e r s w h a t t h e y t h i n k

16. B e c o n f i d e n t i n y o u r b i g i d e a s
A s k c u s t o m e r s w h a t t h e y p r i o r i t i z e
B u i l d i t p r o p e r l y b u t l e a n
A s k c u s t o m e r s w h a t t h e y t h i n k
Te s t w h a t c u s t o m e r s a n d y o u c a n ’ t a n s w e r

17. B e c o n f i d e n t i n y o u r b i g i d e a s
A s k c u s t o m e r s w h a t t h e y p r i o r i t i z e
B u i l d i t p r o p e r l y b u t l e a n
A s k c u s t o m e r s w h a t t h e y t h i n k
Te s t w h a t c u s t o m e r s a n d y o u c a n ’ t a n s w e r

18. B e c o n f i d e n t i n y o u r b i g i d e a s
A s k c u s t o m e r s w h a t t h e y p r i o r i t i z e
B u i l d i t p r o p e r l y b u t l e a n
A s k c u s t o m e r s w h a t t h e y t h i n k
Te s t w h a t c u s t o m e r s a n d y o u c a n ’ t a n s w e r

19. QUALITATIVE DATA
• Ask open questions and listen
• Ask to understand their problems
• Don’t expect people to solve it for you
• Respect sample sizes
• Don’t ask what people would do in the
future

20. Build the next
generation of
financial services
for your users.
QUANTITATIVE DATA
• Have a hypotheses
• Define a success criteria
• Test scientifically
• Expect most tests to fail
• Don’t test for the sake of it
• Don’t stop testing

21. Te s t w h a t c u s t o m e r s a n d y o u c a n ’ t a n s w e r ?

22. O n w h i c h p i c t u r e w o u l d y o u c l i c k ?

23. O n w h i c h p i c t u r e w o u l d y o u c l i c k ?

24. O n w h i c h p i c t u r e w o u l d y o u c l i c k ?