Juvo
- Company typePrivate
- Founded2014
- HeadquartersSan Francisco, United States
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Juvo does
Juvo, legally Juvo Mobile Inc., is a US-incorporated (San Francisco) financial technology company founded in 2014 that operates a Financial Identity as a Service platform targeting the underbanked populations of Brazil and Latin America. The company's core technology, YEScore, is a proprietary credit scoring engine that analyzes mobile user behavior data — sourced through exclusive partnerships with tier-1 mobile network operators — to generate predictive credit assessments for the approximately 68% of adults globally who lack a formal credit history. Through these MNO partnerships (Claro, T-Mobile, Vivo, TIM in Brazil; Deutsche Telekom in Europe), Juvo distributes a suite of lending products including airtime lending for prepaid cellphone users and cash loans collateralized by the mobile phone, and in 2022 launched Juvo Crédito as a direct-to-consumer personal loan offering in Brazil.
Juvo operates a B2B2C business model that generates revenue through transaction fees and interest on originated loans, supplemented by B2B technology licensing (referenced as a revenue stream though not quantified). The company reports more than 100,000 loans per day in Brazil, R$780M in cumulative loan disbursements over 30 months, and 7.5M unique Brazilian borrowers in 2023, with cash loan originations growing 10X year-over-year in 2023. Strategic capital partners include NEA and Wing Venture Capital (Series A and B leads), Mastercard (Latin America distribution partnership), Samsung (Finance+ device financing pilot), and SRM Ventures and Itaú Asset Management (later-stage Brazil capital). The company is privately held, employs 101-250 people, maintains a regional headquarters in Brazil, and has been recognized with consecutive Frost & Sullivan Best Practice Awards, GSMA GLOMO, and World Economic Forum Tech Pioneer designations.
Juvo firmographics
Firmographics- Name
- Juvo
- Legal name
- Juvo Mobile Inc.
- Website
- https://juvo.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Juvo industry classification
Industry- Product category
- Alternative Credit Scoring and Embedded Lending
- NAICS
- Credit Bureaus (561450), Credit Intermediation and Related Activities (522), Sales Financing (52222)
- SIC
- Personal Credit Institutions (6141), Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Credit Score Monitoring & Credit Building (FSAGADAE)
- akta.pro secondary industry
- Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA)
Keywords
Where Juvo is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Juvo business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Loan Transaction Fees: Juvo generates revenue through transaction fees on loans originated, including airtime lending and cash loans. The company charges fees or interest on loans provided to mobile users.
- B2B Technology Licensing:
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Juvo product offering
Product offeringCore offering
Juvo develops and operates a Financial Identity as a Service platform that uses mobile phone interaction data to build proprietary credit scores (YEScore) for individuals lacking formal credit history. On top of this scoring infrastructure, it delivers lending products including Airtime Lending for pre-paid mobile users and Juvo Crédito, a personal cash loan product that uses the cellphone as collateral, as well as a Samsung Finance+ smartphone financing pilot.
Product overview
Juvo operates as a Financial Identity as a Service platform with a portfolio of credit and lending products. The core platform analyzes mobile user behavior data to generate proprietary credit scores (YEScore) that enable financial access for underbanked populations. The product suite includes YEScore for credit scoring, Airtime Lending for pre-paid mobile credit, and Juvo Crédito for personal cash loans in Brazil. All products leverage mobile phone data as both the input for credit assessment and, in some cases, as collateral. The company also pilots Samsung Finance+ for smartphone financing. Juvo processes over 100,000 loans per day in Brazil through partnerships with mobile network operators (Claro, T-Mobile, Vivo, TIM).
Differentiator
Problem solved
Functional benefit
Brands
- YEScore: Proprietary credit score built from mobile user behavior data for credit decisioning, targeting low-income populations in Brazil.
- Juvo Crédito
- Airtime Lending
- Financial Identity as a Service
Products and services
- Financial Identity as a Service Juvo's core software platform that analyzes mobile phone interactions to create financial identities and enable credit scoring for underbanked populations; sold to and deployed with mobile network operators and financial institutions.
- YEScore Proprietary credit scoring system that analyzes mobile user behavior data to generate predictive credit assessments for individuals without formal credit history; used by Juvo and its partners for credit decisioning.
- Airtime Lending Micro-credit lending service for pre-paid cellphone users that allows them to borrow airtime credit against future recharge, distributed through mobile operator partners.
- Juvo Crédito Direct-to-consumer personal cash loan product in Brazil that uses the customer's cellphone as collateral, serving credit-included and underbanked populations.
- Samsung Finance+ (Juvo-powered pilot) Pilot smartphone financing offering for Brazilian consumers, delivered through a strategic partnership with Samsung using Juvo's Financial Identity platform.
Quantifiable outcome
- More than 100,000 loans per day in Brazil
- +3 more outcomes
Companies that use Juvo
Customer profileSegments3 records
Ideal customer profiles1 record
Juvo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature3 records
Juvo partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered minor, core and flagship.
- Samsung Finance+minorPilot implementation of Samsung Finance+ launched in 2025, providing smartphone financing for the Brazilian population through Juvo's financial services platform.
- MastercardcoreJuvo partnered with Mastercard in November 2020 to provide financial services to underbanked consumers in Latin America. The partnership leverages Mastercard's network and payment infrastructure to expand access to credit and financial services for underserved populations.
- ClarocoreClaro is one of Juvo's key mobile network operator partners, providing the carrier data and distribution channel for Juvo's financial services including YEScore credit scoring and lending products.
- T-MobilecoreT-Mobile is one of Juvo's key mobile network operator partners, providing carrier data and distribution infrastructure for Juvo's financial identity and credit scoring services.
- VivocoreVivo is one of Juvo's key mobile network operator partners in Brazil, providing carrier infrastructure for Juvo's financial services and YEScore credit scoring platform.
- TIMcoreTIM is one of Juvo's key mobile network operator partners, providing carrier data access and distribution for Juvo's financial identity and lending services.
- Deutsche TelekomflagshipJuvo launched in Europe in 2017 through a partnership with Deutsche Telekom, marking its first international expansion beyond initial markets.
Scale indicators6 records
Recent moves8 records
Expansion highlights6 records
Juvo competitors and assessment
Company assessmentDirect peers
- Tala: Tala builds credit profiles and lends to underbanked consumers in emerging markets (Mexico, Kenya, India, Philippines) using smartphone behavior data — the closest direct analog to Juvo's YEScore-driven model in different geographies.
- Branch International: Branch offers mobile-based microloans and other financial services to underbanked users in Africa and India, using alternative data for credit decisions — a direct peer in product, target customer, and data-driven underwriting approach.
- FairMoney: FairMoney provides digital consumer loans and banking services to underbanked customers across emerging markets including Nigeria and India, using mobile data for underwriting — directly comparable in product and customer segment.
- Geru: Geru is a Brazil-based digital lender that uses alternative data to extend credit to underbanked consumers — overlapping directly with Juvo Crédito's target segment and methodology within the same regulatory market.
- Kueski: Mexico-based online lender using alternative data and AI for consumer credit decisions to underbanked users — a regional peer operating in adjacent Latin American markets with the same mobile-data-driven underwriting thesis.
Broad incumbents
- Creditas: Brazilian consumer and asset-backed lending platform serving broader credit needs (home, auto, payroll loans) at larger scale than Juvo. Overlap in alternative-data underwriting for Brazilian consumers but with a much wider product portfolio.
- Nubank: Brazil's largest neobank offering credit cards, personal loans, and accounts to tens of millions of consumers. While broader than Juvo, it increasingly competes for the same underbanked-to-mass-market customer and is building its own alternative-data underwriting.
- Mercado Pago: Fintech arm of MercadoLibre providing payments, credit, and consumer lending across Latin America. Competes for the same underbanked borrowers with vast customer reach and balance sheet, and is investing heavily in alternative credit data.
- Credit Karma: Consumer credit monitoring and financial product recommendation platform — comparable to the consumer-facing YEScore credit-building proposition, though operating in the US with a different business model and far larger scale.
Others
- LenddoEFL: Alternative credit scoring provider focused on emerging markets using non-traditional data including mobile and social signals. Closely comparable to Juvo's YEScore as a technology and data infrastructure layer rather than a direct lender.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Juvo social profiles
Digital presenceJuvo compliance and trust
Trust signalCompliance6 records
Juvo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Juvo leadership team
Management profileNumber of profiles
Profiles12 records
Juvo funding detail
Funding detailFunding overview
Funding rounds6 records
Investors19 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Juvo M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Juvo
What does Juvo do?
Juvo develops and operates a Financial Identity as a Service platform that uses mobile phone interaction data to build proprietary credit scores (YEScore) for individuals lacking formal credit history. On top of this scoring infrastructure, it delivers lending products including Airtime Lending for pre-paid mobile users and Juvo Crédito, a personal cash loan product that uses the cellphone as collateral, as well as a Samsung Finance+ smartphone financing pilot.
Is Juvo a public or private company?
Juvo is a private company. It is classified as venture growth investor backed and is currently operating.
When was Juvo founded?
Juvo was founded in 2014. It employs 101 to 250 people.
Where is Juvo based?
Juvo is headquartered in San Francisco, United States, in the North America region.
How does Juvo make money?
Two revenue lines are on record. Loan Transaction Fees are the primary driver. The others are B2B Technology Licensing.
Who are Juvo's main competitors?
Direct peers on record are Tala, Branch International, FairMoney, Geru and Kueski. Broad incumbents are Creditas, Nubank, Mercado Pago and Credit Karma. LenddoEFL is listed as an others.
Does Juvo have an API?
No public API is recorded for Juvo.
What industry is Juvo in?
Juvo's product category is Alternative Credit Scoring and Embedded Lending. Its primary akta.pro industry code is FSAGADAE, Credit Score Monitoring & Credit Building, with a secondary code of FSAGAIAA, Merchant-Integrated BNPL (Checkout POS Financing). Its NAICS code is 561450 and its SIC code is 6141.