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Our Fintech Innovation

Transforming finance with Fintech

Addressing Africa's challenges with innovative solutions 

Africa offers immense fintech opportunities, fueled by an increasing demand for innovative financial solutions that can address the continent’s unique challenges. However, realizing this potential requires overcoming several key hurdles:

  • Low Financial Inclusion: Over 60% of Africa’s population remains unbanked, with millions lacking access to essential financial services such as payments, credit, and savings. This widespread exclusion limits economic opportunities, restricts financial independence, and creates barriers to growth for individuals and businesses. Bridging this gap is critical to unlocking the full potential of Africa’s economic and social development. 
  • Fragmented Payment Systems: The lack of interoperability among financial service providers creates significant barriers to seamless transactions. This fragmentation forces users to navigate multiple platforms and systems, increasing complexity and inefficiency. For businesses and individuals, it limits financial connectivity, disrupts workflows, and slows the adoption of innovative payment solutions, ultimately hindering economic growth and financial inclusion. 
  • High Transaction Costs: The cost and inefficiency of cross-border payments and remittances remain significant barriers to financial connectivity. Expensive fees and prolonged processing times hinder trade, limit economic opportunities, and restrict personal financial flows. These challenges disproportionately impact businesses and individuals, particularly in regions reliant on remittances and international trade, slowing overall economic progress. .
  • Infrastructure Limitations: Insufficient banking infrastructure, particularly in rural and underserved areas, severely limits access to essential financial services. The lack of physical banking facilities and reliable financial networks restricts individuals and businesses from fully participating in the financial ecosystem. This not only exacerbates financial exclusion but also impedes economic growth by preventing communities from accessing the tools and services needed to thrive. 
  • Cybersecurity Concerns: With the rapid acceleration of digital transformation, particularly in financial services, businesses and individuals are increasingly vulnerable to fraud, cyber threats, and data breaches. As more transactions move online and mobile financial platforms expand, the need for robust security measures becomes critical to protect sensitive information, maintain trust, and ensure the integrity of financial systems.

At JGME Consulting, we are harnessing the transformative power of fintech to tackle these challenges directly. Through collaboration with our trusted partners, we have developed strategic, scalable, and innovative solutions that empower individuals, businesses, governments, and financial institutions to:

  • Enhance Financial Inclusion: Providing accessible, affordable, and user-friendly financial services tailored to underserved populations, enabling broader participation in the financial ecosystem and fostering economic empowerment.
  • Streamline Payment Systems: Facilitate seamless, interoperable transactions by integrating fragmented financial services, creating a unified and efficient payment experience for businesses and individuals.
  • Reduce Transaction Costs: Provide cost-effective and efficient cross-border payment solutions, simplifying remittances and promoting trade while reducing the financial burden on users.
  • Bridge Infrastructure Gaps: Develop and deploy innovative financial tools to extend access to critical banking and payment services in rural and underserved areas, accelerating financial inclusion and economic growth.
  • Strengthen Cybersecurity: Implement robust security frameworks to safeguard digital financial platforms, protecting users and businesses from fraud, data breaches, and cyber threats while building trust in digital financial services.

With our tailored fintech solutions, JGME Consulting is driving positive change and creating sustainable economic growth across Africa’s fast-evolving financial landscape.

Contact us to learn more about our Fintech projects

Our FinTech Solutions

Payment solutionsFinancial Inclusion PlatformsCross-Border Payment SolutionsCybersecurity and Compliance

Payment solutions

Many businesses struggle with inefficiencies in financial transactions, such as long settlement times, currency exchange complexities, and cross-border hurdles. Our payment solutions simplify and accelerate financial transactions with secure, instant, and cost-effective payment platforms. These include:

  • Mobile Money Payments: Empowering businesses and individuals with convenient, reliable, and seamlessly integrated solutions for mobile money payments and collections, ensuring smooth financial transactions.
  • Debit, Prepaid and Credit Cards: Integrating Mastercard and Visa card services (physical and virtual) into our mobile money ecosystem to provide businesses and individuals with a unified, efficient, and hassle-free payment solution.
  • E-commerce Integrations: Enabling online businesses to accept and process payments effortlessly, streamlining digital transactions for enhanced customer experience.
  • Cross-Border and Multi-Currency Payments: Leveraging our secure and efficient payment infrastructure to facilitate cross-border transactions and international remittances, expanding financial access and improving customer convenience across multiple countries.

Our payment rails provide a reliable backbone for digital money transfers, regardless of country, currency, or payment method, enabling businesses to serve customers better while reducing costs.

Payment Aggregator Services

In Cameroon, through JGME Pay, we operate as a leading payments aggregator offering a wide range of services tailored to the needs of businesses and individuals. Our key offerings include:

  • Unified Payments Platform: Seamlessly integrating multiple payment systems, including MTN Mobile Money, Orange Money, Visa, and Mastercard, into a single, user-friendly interface.
  • Cross-Border Payments: Streamlining international remittances and facilitating transactions across multiple African countries to enhance financial connectivity.

Our Payment Aggregation Services also provide:

  • Access to Global Payment Networks: Leveraging embedded finance to connect African businesses with major networks such as SEPA, Faster Payments, Visa, and Mastercard. This ensures businesses remain competitive in both regional and global markets.
  • Maximized Payment Acceptance: Our API-powered infrastructure allows businesses to offer diverse and flexible payment options through a unified platform, enhancing customer satisfaction and boosting transaction success rates.

Financial Inclusion Platforms


We develop innovative financial tools designed to make financial services accessible to underserved populations, fostering inclusion and economic empowerment. These include:

  • Microfinance Platforms: Delivering small-scale loan and savings solutions tailored to meet the unique needs of local communities, enabling individuals and small businesses to access the capital they need to grow.
  • Credit Scoring Systems: Utilizing alternative data sources such as mobile phone usage and transaction history to provide fair, accurate, and transparent credit assessments, ensuring individuals and businesses receive equitable opportunities.

These solutions are transforming financial access, empowering communities to actively participate in the digital economy, build financial resilience, and improve their overall well-being.

Cross-Border Payment Solutions


Our payments orchestration platform provides a powerful solution for faster, more transparent, and cost-effective cross-border transactions, tailored to meet the growing needs of businesses and individuals across Africa.

Key benefits of our platform include:

  • Supporting Intra-African Trade: Simplifying currency exchanges and ensuring compliance with local and international regulations, making cross-border transactions seamless.
  • Enabling Business Expansion: Helping businesses scale their operations across borders with minimal friction, reducing operational complexities and transaction delays.
  • Fostering Regional Economic Cooperation: Aligning with initiatives like the African Continental Free Trade Agreement (AfCFTA) to promote trade and collaboration across African countries.

By leveraging this platform, businesses and individuals can navigate the complexities of cross-border payments with ease, unlocking new opportunities for growth and economic integration across the continent.

Cybersecurity and Compliance


In today’s rapidly evolving digital financial landscape, security is critical to safeguarding trust and enabling growth. Our cybersecurity frameworks and compliance solutions are designed to address these challenges and ensure:

  • Secure Business Operations: Protecting sensitive customer data and ensuring businesses operate with robust defenses against cyber threats.
  • Regulatory Adherence: Ensuring solutions comply with local and international regulations, fostering confidence among users and stakeholders while mitigating legal risks.
  • Effective Fraud Prevention: Implementing advanced fraud detection and prevention systems that safeguard transactions and prevent malicious activities.

With our comprehensive security measures, we help businesses build resilient operations, maintain customer trust, and confidently embrace the digital future.


Contact us for more information