Welcome to Ecobank Fintech

Let’s build together.

Let’s grow together.

Ecobank today is proud to play a defining role in developing and supporting Africa’s fintechs to help transform digital finance and banking.

Our purpose is to contribute to the economic and financial development of Africa. With innovative solutions including Ecobank Mobile (the first unified app for Africa) and EcobankPay (the new standard for cashless payments) we are leading the way.

By leveraging our footprint across 33 African countries, we provide the scale that our fintech partners are looking for.

“Welcome to Ecobank Fintech. Our goal is to use our 33-country footprint across the continent to create a commercial innovation platform that African fintechs can utilise to partner Ecobank and grow themselves into pan African success stories.”

Ade Ayeyemi, Group CEO, Ecobank Group

“The Ecobank pan-African Banking Sandbox is an example of how we create multiple avenues for collaboration between Ecobank and fintechs to work together to create value and help grow the broader African fintech ecosystem.”

Djiba Diallo, Senior Fintech Advisor, Ecobank Group

“Through the Ecobank Fintech Challenge, our start-up has managed to reach a large market. We are now working together with Ecobank to serve customers across 12 countries, with plans to expand further.”

Richard Duodu, Founder & CEO, Finance Mobile Ltd. (2017 Ecobank Fintech Fellow)

Ade Ayeyemi, Group CEO, Ecobank Group

Find something you can build on

Across a 33-country digital platform, Ecobank offers an exciting range of banking tools and services that potential fintech partners can leverage to create value.

Fintechs with the talent and vision to help create synergies between existing platforms, increase their value proposition or create new complementary solutions are invited to take a tour of our existing offerings and talk to us if you believe we can work together to create shared value.

Our products and services take our customers’ finances further and they include:

Card Payment

We drive digital payments transformation by enabling card payments across all our digital channels.

Learn more about the solution.

To integrate the API, click here

Making contactless digital payments

Our cashless, contactless digital payment service EcobankPay enables customers to make payments easily and conveniently across various platforms.

Learn more about the solution.

To integrate the API, click here

Enabling cash withdrawals without a debit card

Our Xpress Cash solution uses an e-token generated by our app so customers can withdraw cash at any Ecobank ATM or Xpress point without the need of a debit card.

Learn more about the solution.

To integrate the API, click here

Open an account directly from your mobile App

Through our Xpress Account, which can be opened via our app, customers can send money, pay their bills paid or buy airtime on their phone.

Learn more about the solution.

To integrate the API, click here

Finding out your account balance

Customers can find out their account balance from their mobile, via Ecobank Online or our call centre, at an Ecobank ATM, branch or Xpress Point agency.

Learn more about the solution.

To integrate the API, click here

Convenient 24/7 payments & transfers

Our convenient 24/7 online service enables you to pay using your card and make regular payments.

Learn more about the solution.

To integrate the API, click here

Our solution that can help grow your business

Omni Lite

Our online banking platform and dedicated app specifically optimised for SMEs, local corporates and the public sector.

Find out more

Our Initiatives

Sandbox (Ecobank API)

Ecobank’s pan-African banking sandbox offers fintechs the unique opportunity to access Ecobank’s APIs to build and test their products.

The intention is that fintechs and partners will use this access to develop innovative solutions for the 33 African countries where Ecobank operates.

To explore the opportunity – click here

Fintech Challenge

The Ecobank Fintech Challenge identifies and partners fintechs that are ready to scale, then provides them with support and access to Ecobank’s 33 African markets, so that they can maximise their potential and become pan-African fintech success stories.

The Challenge is open to all fintechs on the African continent. Interested fintechs can apply by sending details of their product with a demo. These products must address one or more of the specific pain points announced before each edition.

Selected finalists will then participate in the Ecobank Fintech Innovation Fair, where the top three finalists will win cash prizes. All finalists are inducted into the Ecobank Fintech Fellowship, which gives them the opportunity to explore deals, integration and commercial partnership with the Ecobank Group.

The Fintech Challenge is all about building new partnerships. Our goal is to build a bridge between Ecobank and the African fintech ecosystem; to open up our multi-country banking platform in ways that enable fintechs to leverage it for their own growth. In this way we seek to champion a new type of partnership that enables fintechs to deliver their services to those who need them most across the continent.

Learn more about the Challenge here

Case Story 1

Finance Mobile Ltd

Read this case study

Case Story 2

Semoa

Read this case study

Case Story 3

Growth Factor Technologies

Read this case study

Case Story 1:

Finance Mobile Ltd

Who

Finance Mobile Ltd, is a Fintech startup and a 2017 Ecobank Fintech Fellow. Finance Mobile now works with Ecobank in 12 countries across Africa.

What

Through the Fellowship, Finance Mobile partnered Ecobank to build the Ecobank Investor™ app for Ecobank’s investment banking arm.

How

Ecobank Investor™ enables Ecobank customers to use their smart phone to manage their investment portfolio. The solution provides investment advisory and analytics support to guide customers to make informed investment decisions and maximise value across a range of investment products and choices.

Where

The product is currently being deployed in 12 of Ecobank’s 33 country footprint, with plans to expand to 20 markets soon.

Impact

For Finance Mobile Ltd – the partnership has served as a powerful springboard for growth and cross-border expansion.

For Ecobank and its customers – Ecobank Investor™ has brought greater convenience, flexibility and accessibility to our investment products. The solution is projected to significantly increase the number of Ecobank customers subscribing to our investment products and services.

Case Story 2:

Semoa

Who

Semoa is a fintech offering payment and customer relationship digital solutions. It developed one of its solutions on the Ecobank Sandbox and is now working together with Ecobank in Togo.

What

Using the Ecobank Sandbox, Semoa developed a new digital banking service via Whatsapp called ‘Xpress Cash by Semoa’

How

Xpress Cash by Semoa enables Ecobank customers in Togo to send a Whatsapp message to Semoa’s BOT called Dédé to send tokens for withdrawals, payment of bills or money transfers to friends or relatives in Togo or across the WAEMU region.

Where

The product is available in Togo.

Impact

Semoa’s secured online services utilise Ecobank’s cutting-edge infrastructure to provide a solution to cross the divide between the digital and cash economies. It enables the unbanked to accept and make payments digitally, thereby accelerating financial inclusion.

Case Story 3:

Growth Factor Technologies