Numerica Finance

What Numerica Finance does

Numerica Finance SA is a privately held, second-category microfinance institution headquartered in Yaoundé, Cameroon, regulated by the Cameroon Ministry of Finance (license N°00000477/MINFI dated June 28, 2022) and supervised by COBAC for the CEMAC region. Founded in 2019 and self-described as the first 100% digital microfinance institution in CEMAC, it serves over 45,000 active clients across individuals, SMEs, merchants, salaried employees, and the Cameroonian diaspora, distributing products through 18 owned agencies, 57 authorized service points, and a mobile-first digital channel.

The product stack is anchored by a native iOS/Android application (Numerica) and a USSD code for basic mobile phones, enabling 5-minute account opening, biometric KYC, transfers, bill payment, phone airtime, and real-time transaction monitoring. Consumer offerings include a current account, savings account (up to 4%), bons de caisse term deposits (up to 5.5%), goal-based Plan Epargne Projet / PEP (up to 6%), and micro/consumer/professional credits. Enterprise offerings include customized credit, treasury/overdraft, salary domiciliation, corporate placements, and a virtual business card for international payments. The defining technology is the AliansPay/PayLink gateway that natively aggregates Orange Money and MTN Mobile Money collections from multiple points of sale into a single Numerica account via payment links and QR codes, with fraud detection and credit-scoring capabilities applied over structured transaction data.

Numerica earns revenue through interest-rate spreads on savings deposits and micro/consumer/SME credit, transaction and account-management fees (per published tariff schedule), commissions on PayLink/AliansPay merchant collections, and fees tied to salary domiciliation. Go-to-market blends product-led digital onboarding with a community-led authorized point-of-sale network and an ambassador affiliate program, while enterprise clients are acquired through dedicated advisors in a sales-led motion. The company is bootstrapped in the sense that no external venture funding rounds are disclosed; its disclosed capitalization is a social capital of 500 million FCFA.

Name

Numerica Finance

Legal name

Numérica Finance SA

Website

https://numericafinance.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

51–100 employees

Short description

Numerica Finance SA is a Cameroon-based, COBAC-supervised digital microfinance institution offering mobile and USSD banking, savings, credit, and Orange/MTN mobile-money aggregation to individuals, SMEs, merchants, and the diaspora through 18 agencies and 57 service points.

Ownership category

akta.pro rank

Product category

Digital Microfinance

NAICS

Depository Credit Intermediation (5221), Sales Financing (52222)

SIC

Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD)

akta.pro secondary industries

Corporate Cash Management & Treasury Services (FSAMAOAA), Net Worth & Personal Balance Sheet Tracking (FSAGADAF)

Keywords

• Digital microfinance
• Mobile banking services
• Mobile money aggregation
• Microfinance credit
• Goal-based savings

Headquarters

HQ city

Yaoundé

HQ country

Cameroon

HQ region

Africa

Offices19 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income (Micro-credit & Financing): Numerica Finance earns interest spreads on micro-credits, consumer credits, professional credits, and equipment financing extended to individuals and businesses.
2. Savings Account & Deposit Interest: Interest paid to depositors on savings accounts and bons de caisse (term deposits) at regulated CEMAC rates; the spread between lending rates and deposit rates generates income.
3. Transaction Fees (Transfers, Payments, Withdrawals): Fees charged on domestic and international money transfers, bill payments (water, electricity, phone), mobile airtime recharges, and cash withdrawals.
4. Account Management Fees: Fees for account maintenance, current accounts, and savings accounts as per the published tariff schedule.
5. PayLink / AliansPay Merchant Commission: Commission or transaction fees from merchants (especially businesses and small merchants) using PayLink and AliansPay to collect mobile money payments from customers.
6. Salary Domiciliation: Fees associated with salary domiciliation services for corporate clients.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels10 records

Core offering

Numerica Finance is a digital microfinance institution providing savings accounts (up to 4%), term deposits (up to 5.5%), goal-based savings plans (PEP up to 6%), and consumer/business credit products to individuals and SMEs in Cameroon. The company operates a mobile-first banking platform that aggregates Orange Money and MTN Mobile Money payments via its PayLink/AliansPay gateway, supported by 18 own agencies and 57 authorized service points.

Product overview

Numerica Finance operates as a digital microfinance institution offering a comprehensive suite of banking services through both digital channels (mobile application, USSD) and physical branch network. The core product ecosystem centers on the Numerica Mobile Application which serves as the primary interface for account management, combined with specialized products including AliansPay for business payment aggregation, PayLink for merchant mobile money collection, and Plan Epargne Projet for goal-based savings. Consumer banking includes Current Account, Savings Account, and Certificate of Deposit products with competitive interest rates. Business solutions encompass customized credit facilities, treasury management, corporate placements, and virtual business cards. The company differentiates through its 100% digital-first approach complemented by 18 agencies and 57 approved service points across Cameroon, serving over 45,000 active customers.

Differentiator

Problem solved

Functional benefit

Brands

• My Numerica: Online banking platform for Numerica Finance customers.
• AliansPay
• PayLink
• PEP - Plan Epargne Projet

Products and services

• Compte Courant Numerica Digital current account for daily financial management for individual customers in Cameroon, with low fees, complete transparency, and account opening in 5 minutes via smartphone.
• Compte Epargne Numerica Standard savings account for individuals offering returns up to 4% per annum with flexible withdrawal access for projects and unexpected expenses.
• Bon de Caisse Term deposit investment product offering secure returns up to 5.5% annually for growing cash surpluses.
• Credits Numerica Personalized loan products including micro-credits, consumer loans, and professional financing for individuals covering vehicle purchases, home improvements, education, and other needs.
• Plan Epargne Projet (PEP) Goal-based savings plan allowing customers to save progressively toward specific objectives such as marriage, car, or housing, with real-time progress tracking and preferential rates up to 6%.
• PEP Diaspora Special savings product for diaspora customers enabling Cameroonians living abroad to manage finances and stay connected to their home country.
• AliansPay Business payment aggregation service that consolidates Orange Money and MTN Mobile Money payments from multiple sales points into a single Numerica account for businesses.
• PayLink Payment collection solution enabling merchants to centralize Orange Money and MTN Mobile Money payments via payment links or QR codes with free installation.
• Carte Virtuelle d'Entreprise Virtual business card for secure international payments to suppliers, advertising platforms (Facebook, Google, TikTok), and subscription services.
• Compte Mobile Commerçant (CMC) Business account designed for entrepreneurs offering savings security, facilitated credit access, and integrated treasury management tools.
• Compte Mobile Salarié Employee banking solution offering salary disbursement, salary advances, equipment loans, school fee financing, and reduced fees for salaried workers.
• Credit sur Mesure Customized business financing solutions for working capital and equipment investment with competitive rates and rapid disbursement, designed for SMEs and enterprises.
• Solutions de Trésorerie Overdraft facilities and cash management solutions for businesses to address temporary shortfalls and seize opportunities.
• Placements Corporate Corporate investment vehicles for profitable and secure deployment of business cash surpluses, also serving as collateral for future borrowings.
• Numerica Mobile Application Native mobile application for iOS and Android enabling account management, PayLink collections, virtual card payments, real-time credit tracking, transaction monitoring, geolocation of branches and service points, instant chat with advisors, and real-time alerts.
• USSD Banking Service Mobile banking service accessible via short USSD code on basic mobile phones, enabling access to banking services without requiring a smartphone or internet connection.
• Transfer Services National and international money transfer services for sending and receiving funds securely via the Numerica platform.
• Bill Payment Services Payment services for utilities (water, electricity), telephone, and television bills accessible through the Numerica platform.
• Phone Recharge Services Mobile phone airtime top-up services for major Cameroonian mobile operators accessible through the Numerica platform.

Quantifiable outcome

• 45,000+ active clients served across Cameroon
• +3 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability4 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core.

• Ambassador / Affiliate PartnerscoreGTM or Marketing PartnerNumerica Finance operates an ambassador/affiliate program where individuals become brand ambassadors. Ambassadors receive a personal promo code to refer new clients and earn attractive commissions for each active referred client. They receive continuous training on Numerica products and financial market trends.
• Authorized Service Points (Points de Service Agréés)coreChannel Partner/ Reseller/ DistributorNumerica Finance partners with merchants and businesses across Cameroon to become authorized service points. These partners offer Numerica services (deposits, withdrawals, transfers, mobile money) in their localities, earning guaranteed remuneration plus performance bonuses. They receive certified training and marketing support from Numerica.
• Orange MoneycoreTechnology or IntegrationOrange Money mobile money integration with Numerica's AliansPay/PayLink gateway, enabling merchants to collect Orange Money payments from customers into their Numerica accounts.
• MTN Mobile MoneycoreTechnology or IntegrationMTN Mobile Money integration with Numerica's AliansPay/PayLink gateway, enabling merchants to collect MTN Mobile Money payments from customers into their Numerica accounts.
• COBAC (Commission Bancaire de l'Afrique Centrale)coreOthersNumerica Finance is placed under the supervision of the Central African Banking Commission (COBAC), which provides regulatory oversight as the regional banking regulator for the CEMAC zone.
• MINFI (Ministère des Finances du Cameroun)coreOthersNumerica Finance holds its microfinance license (Agrément N°00000477/MINFI du 28 Juin 2022) issued by the Cameroon Ministry of Finance (MINFI), which also provides regulatory oversight alongside COBAC.

Scale indicators6 records

Recent moves6 records

Expansion highlights2 records

Direct peers

• COFINA (Compagnie Financière Africaine): Pan-West/Central-African microfinance network providing credit, savings, and payment services to SMEs and individuals. Closely comparable to Numerica in business model (deposit-taking MFI with digital transformation focus) and target customer base in the CEMAC region.
• Express Union: Cameroonian financial services company offering money transfers, savings, and microfinance products across the country. Directly comparable to Numerica as a domestic alternative for unbanked and underbanked consumers with overlapping branch/agent distribution.
• ACEP Cameroun: Cameroonian microfinance institution part of the ACEP group, focused on financial inclusion for entrepreneurs and small businesses. Directly comparable to Numerica's SME and micro-enterprise credit offerings in Cameroon.

Broad incumbents

• Afriland First Bank: Leading Cameroonian commercial bank serving individuals, SMEs, and corporates with an expanding digital channel. Comparable to Numerica in serving underbanked retail and SME segments but with full commercial bank capabilities and substantially larger capital base.
• Ecobank Cameroun: Subsidiary of the pan-African Ecobank group operating in Cameroon with a full commercial banking license and growing digital/app-based offerings. Comparable to Numerica on retail deposits, transfers, and increasingly on mobile lending, with substantially larger capital base.
• Société Générale Cameroun: Local subsidiary of Société Générale operating retail, SME, and corporate banking in Cameroon. Comparable to Numerica on retail deposits, transfers, and SME banking, with broader product scope (FX, trade finance, corporate treasury).
• MTN MoMo (MTN Cameroon Mobile Money): Mobile money service operated by MTN Cameroon with millions of active wallets and the largest agent network in the country. Overlaps with Numerica on digital wallet, P2P transfer, and merchant payment functions, and is one of the two core partners behind Numerica's PayLink gateway.
• UBA Cameroun: Cameroon subsidiary of United Bank for Africa (UBA) with retail and SME banking services and an active digital channel strategy. Overlaps with Numerica on retail deposits, transfers, and SME lending, with a comparable focus on financial inclusion across Africa.
• Orange Money Cameroun: Mobile money service operated by Orange Cameroun with deep penetration in the CEMAC region. Direct competitor in digital payments and merchant collections, and the other key integration partner for Numerica's AliansPay/PayLink.
• Financial Bank (formerly BICEC): Cameroonian commercial bank (renamed from BICEC) serving retail and business customers across the country. Comparable to Numerica in the Cameroonian retail and SME banking market, with a broader product suite and larger balance sheet.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/NumericaFinance
• LinkedInlinkedin.com/company/numerica-finance-sa/about/?viewAsMember=true
• Instagraminstagram.com/numerica_finance_sa

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Numerica Finance