The expected rollout of these new digital services will begin in Burkina Faso, followed by Mali and Botswana, before being extended to other Francophone African markets. Specifically, users will be able to request a loan directly from their phone, via the Orange Money app or a USSD code. Once the request is submitted, Jumo's artificial intelligence algorithms, fueled by over a decade of transactional history, will assess the user's risk profile in real-time. If the request is accepted, the amount will be immediately credited to the customer's Orange Money wallet, and repayment will be made according to a schedule agreed upon in advance This model could reduce the cost of risk to less than 4%, while ensuring sustainable profitability for partner institutions. This partnership will enable the Orange Money group to advance its financial inclusion strategy by facilitating access to microcredits for its unbanked users. Orange Money Group claims to have processed over 160 billion euros in transactions in 2024 with a network of over 110 million subscribers in 17 countries in Africa and the Middle East. Jumo, for its part, claims to have granted over 8 billion dollars in credits to more than 31 million African customers.This collaboration, based on Orange Money's mobile payment and money transfer platforms, will offer customers a wider range of financial services and enable its banking partners to expand into new markets. Orange Money plans to offer a diverse range of products, including short-term loans, progressive repayment credits, and solutions for merchants and distributors

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