Gozem
“Can a Francophone African super app use ride-hailing as the customer acquisition engine to become the dominant provider of vehicle financing and digital financial services for underbanked populations across West and Central Africa?”
Founded in 2018 as a simple motorcycle ride-hailing app in Togo, Gozem rapidly evolved into a multi-vertical super app mimicking the Grab/Gojek model for Francophone Africa. It layered on delivery, e-commerce, and digital ticketing before making financial services the strategic core — with vehicle financing for drivers as the primary embedded credit product and Gozem Money (in partnership with NSIA Bank) as its mobile wallet play. The 2025 Series B explicitly targets digital banking and vehicle financing expansion, signaling the company's transition from a mobility platform to a financial services distribution vehicle.