Track every shilling. Never miss a service. Access credit when you need it most. MOOV is the all-in-one mobility fintech platform for Kenya's 22M+ transport users.
Transportation costs are the #1 unpredictable expense for urban Kenyan households. Yet there's no single tool to manage it all.
Petrol averages KSh 176–187/L in Nairobi, fluctuating constantly. Daily budgeting is impossible for motorists and riders.
Routine vehicle service costs average ~KSh 200,000/year. Unexpected breakdowns drain savings due to lack of planning.
Public transport fares have surged 15%+ on key routes, independent of fuel prices, straining household budgets.
Most expenses are cash-based and untracked, leaving users with no financial history to access formal mobility credit.
One app replacing fragmented notes, manual logs, and guesswork — connecting daily mobility to financial wellness.
Log every fuel purchase, bus fare, and matatu ride in seconds. Visualise total mobility costs over time to spot spending leaks and plan ahead.
Predictive, mileage-based reminders powered by Google Maps API route estimation. Never get caught by a surprise breakdown again.
Behavior-based credit using real mobility data. Unlock fuel and fare credit repayable via M-Pesa — no bank account needed, no paperwork.
Turn daily trip data into clear financial insights. Know exactly where every shilling goes, track trends, and optimise your routes and spending.
Partner fuel stations and garages input servicing data directly via tablet/POS. Mutual visibility creates a trusted service ecosystem.
Sign up with your Kenyan phone number. Automatic +254 detection. Secure OTP via M-Pesa. Add your vehicle or ride profile.
Log fuel, fares, and maintenance. MOOV tracks every trip, every service, every shilling — building your verified mobility profile.
Your spend history becomes your credit score. Access instant fuel or fare credit — disbursed to M-Pesa in seconds, repayable flexibly.
Three distinct user segments, one powerful platform.
Visualize monthly fuel vs. maintenance costs
Automated alerts before oil changes are overdue
Finance emergency repairs or fuel refills
Log daily fuel spend vs. earnings
Access small fuel credits (KSh 500+) repayable daily
Save or borrow for tyres and servicing
Set fare limits and track total commuting spend
See cost trends across different routes and modes
"Ride now, pay later" integration for transport
Kenya's mobility economy is huge, digitally ready, and underserved by fintech.
All registered vehicle owners (~4.97M), motorcycle riders (~3M), and daily commuters (~20M) in Kenya facing recurring mobility costs.
Active transport users in major urban hubs — Nairobi, Mombasa, Kisumu — with smartphones and mobile money access.
Built on a flywheel: more users → better data → accurate scoring → higher revenue.
Core revenue from facilitating mobility credit. Interest income + facilitation fees on every disbursement via financing partners.
Commission earned for every servicing transaction driven to partner fuel stations through maintenance alerts.
Affiliate revenue from directing users to verified spare parts suppliers when replacements are flagged as due.
Aggregated, de-identified mobility insights sold to oil marketers, fleet operators, and urban planners.
First Mobility Fintech converting travel data into financial credit & savings. All-in-one solution.
Direct integration with major chains. QR codes and agent-assisted onboarding at partner fuel pumps and service bays.
Collaborate with matatu SACCOs and bus companies to onboard fleets at scale via association networks.
Partner with established lenders for credit underwriting and risk sharing. Leverage their licenses initially.
Targeted campaigns on social platforms focusing on "financial freedom" for commuters, riders, and drivers.
Whether you're an investor, fuel station partner, transport operator, or early user — we want to hear from you.