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Umba embedded finance

Umba is an African digital bank, offering free bank accounts and financial services

bank
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Umba's embedded-finance stack

“Can a credit-led African neobank scale by owning its own banking license rather than renting BaaS rails?”

3 layers disclosed

Banking / BaaS
Daraja Microfinance Bank (in-house)
Lending
In the Index's full report
Sponsor bank
Daraja Microfinance Bank

3 more providers across 1 layer are in the Index's full report.

Full profile on the Embedded Finance Index ↗

From the Embedded Finance Index, which maps the providers behind each company's embedded-finance products from public disclosures.

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