Toju is digitizing the informal financial service space for the unbanked and underbanked in Nigeria. We help non-bank Micro Finance Institutions, Cooperatives, savings, and mobile local thrift agents improve on their records management and credit decision process.

Problem we are solving

The biggest problems are analogue record-keeping, inefficient credit decision system, disconnect from formal financial services.


Record management App with AI-powered credit rating system for Mobile money agents.

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