UBL began with a single, uncomfortable truth: the hardest-working, most reliable people in Ghana — market traders, farmers, artisans, susu members — are completely invisible to the formal banking system.
Not because they are not creditworthy. But because no infrastructure existed to see them. UBL was built to fix that permanently.
Founder & Chief Architect
Accra, Ghana 🇬🇭
"I watched brilliant, hardworking Ghanaians get turned away from banks — not because they were risky, but because they were invisible. UBL is my answer to that injustice."
7+
Years in fintech
3
Patents pending
1
Mission. Africa.
Jonni observes a susu group of 40 women in Kumasi — 100% repayment for 6 years — being rejected for a GHS 500 loan by every bank. The trust exists. The infrastructure to prove it does not.
Deep research into alternative credit scoring in emerging markets. Jonni develops the CTI framework — combining community vouching, behavioural data, and blockchain immutability.
The XGBoost + LSTM ensemble model trained specifically on African informal sector repayment behaviour. ROC-AUC 0.88+. Patent filed.
ublafrica.com goes live. Bank partner conversations begin. Bank of Ghana regulatory sandbox application submitted. Africa's first bank-agnostic trust layer is open for business.
Four principles that guide every decision we make — in code, in policy, and in partnership.
No one who works hard and pays their debts should be invisible to financial systems. UBL exists to make the invisible visible — permanently and portably.
Trust must be earned through behaviour — not inherited through privilege. UBL rewards consistency, reliability, and community standing over collateral and connections.
SHIELD AI is tested for demographic bias every quarter. Every model must demonstrate equal access across gender, region, and age before deployment.
"I am because we are." The ubuntu principle is not just our name — it is our architecture. Community vouching, shared accountability, and collective progress are embedded in every algorithm.
Whether you are a bank, an investor, a regulator, or someone who wants to bring UBL to their country — reach out directly.
📞 +233 53 476 6787