01 · Problem
What was stuck
In Senegal, Wave owns low-cost transfers. Djamo wins on storing value, brokerage-licensed investments, and salary-linked accounts — but only if the product messaging doesn’t pick a fight it can’t win.
All case studiesNeobank · Francophone Africa
Djamo: digital banking for Côte d’Ivoire and Senegal
YC-backed neobank with cards, P2P, savings vaults, investments, and SME tools — complementary to Wave, not a clone.
At a glance
1M+
Users
CI · SN
Markets
~10K
SMEs
djamo.com
Live
Retail banking
The story in 60 seconds
02 · What we did
How we shipped
Positioned Djamo as the account layer beside mobile money: spend, save, invest, then grow into merchant tools. French-first UX patterns, clear license proof, and SME upsell from retail users.
03 · Takeaway
Why it mattered
Compete with Wave on transfers and you lose. Own the account, the card, and the savings vault — and you have a bank.
Djamo carved a niche where English-speaking Africa fintechs rarely go: Abidjan and Dakar. Retail banking plus ~10,000 SMEs using bulk payments, payment links, and QR acceptance required a bilingual, mobile-first story.
More from this build
Savings & invest
SME tools
Built with
Production stack
React.js
Next.js
TypeScript
Node.js
Tailwind CSS
