“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.
Gozem discloses NSIA Bank as its sponsor bank, according to the Embedded Finance Index 2026.
Gozem does not disclose a bank charter of its own; its banking services are provided through NSIA Bank.
The Embedded Finance Index 2026 maps 2 layers in Gozem's stack: Lending (Vehicle financing (motorcycle, tricycle, car for drivers)); Sponsor bank (NSIA Bank).
Gozem was founded by Gregory Costamagna, Raphael Dana and Emeka Ajene and is founded in 2018, headquartered in Singapore (registered); Lomé, Togo (operational HQ).
Gozem has raised $54.1M in total (latest round: Series B, February 2025).
Get a read on where your own stack stands against Gozem and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.