Corporate Vision Whilst much of the fintech industry focuses on disruption, Rakoomi Inc’s (Rakoomi) focus has always been on durability and building systems that can last, comply, and continue to serve users fairly as regulations, markets, and expectations evolve. This long-term mindset has shaped everything that the firm does - from product design to governance. Geared to intentionally building a different narrative around financial access, the company’s flagship platform, Ajopro, is centred around planning, accountability, and shared success rather than dependency. Designed around the simple but powerful idea that “most spending can be planned”, the platform helps users structure contributions toward a goal and access funds based on timing and trust rather than traditional interest, thus reducing the real cost of borrowing while encouraging financial discipline and long-term stability. Rakoomi’s clients are everyday people and families who want better financial options: immigrants establishing themselves in a new country, workers managing irregular income, young families planning major expenses, and small businesses looking for flexible, fair access to liquidity. Many of them have been underserved or overcharged by conventional financial products, despite being financially responsible. “The goal isn’t quick money - it’s smarter money,” says Akeem Adebisi, who Co-Founded the company in 2017 alongside Darrell Penner and Temitope Otubusen. “Rakoomi connects with its users by meeting them where they are.” With core values rooted in fairness, clarity, responsibility, and dignity, Rakoomi believes that financial tools should work with people, not against them and for the dedicated team, this means being transparent about costs, designing systems that reward consistency rather than desperation, and treating users as capable planners - not risky bets. One of Rakoomi’s greatest USPs is its Net-Zero Interest™ model. Instead of earning revenue by compounding interest against users, this tool balances early access costs with later gains within a structured plan. Users know upfront what they are paying, why they are paying it, and how the system works over time, meaning there are no surprise fees, no revolving debt cycles, and no incentive to keep people borrowing longer than necessary. Another key differentiator is trust-based positioning. Access to funds is determined by consistency and participation rather than traditional credit scoring alone. This allows financially responsible users - many of whom are overlooked by conventional systems - to access fair liquidity without being penalised for thin credit files or non-traditional income paths. “Many of our users come to us not because they want something new, but because existing options have failed them or felt misaligned with their values,” Akeem enthuses. “The relief that comes from understanding a financial product clearly, knowing Rakoomi Inc was created to solve a problem many people quietly live with every day: needing access to money, but paying far too much for it. At its core, Rakoomi builds financial technology that helps people plan purchases, manage cash flow, and access funds responsibly - without being trapped in high-interest debt or opaque lending models. We speak to Akeem Adebisi to find out more. Most Innovative FinTech Platform 2026 & Corporate Vision Financial Inclusion Innovation Award 2026 exactly what it will cost, and seeing a defined path to completion - we give people control over how and when they fund their goals, helping them move forward with confidence rather than anxiety.” The fintech space is evolving quickly and experiencing a broader shift toward responsible access rather than unfettered credit, with consumers and regulators alike questioning models that profit from compounding interest and opaque fees, and searching for alternatives that align with real-life financial rhythms. This is a trend Rakoomi anticipated from the very beginning and built itself around accordingly. Another significant development globally is the rise of regulated “buy now, pay later” alternatives and tools that emphasise transparency and user control. While many of these still rely on interest or late fees to generate revenue, the conversation has moved toward more sustainable structures. “At Rakoomi, we’re staying ahead of these trends by designing products that anticipate regulatory expectations rather than react to them,” elaborates Akeem. “Our planning-first framework and transparent cost structure are built to withstand scrutiny and to serve users fairly, regardless of where they live.” Recently, for its fair, transparent and resilient systems, Rakoomi gained notable success in the Canadian Business Awards 2026, resulting in the firm receiving the prestigious accolade of Most Innovative FinTech Platform 2026, along with the coveted Corporate Vision Financial Inclusion Innovation Award 2026. Looking ahead, the focus for Rakoomi now is on thoughtful expansion and there are plans to continue refining the planningbased tools while extending access to more communities, both in Canada and beyond. This includes deeper integrations, improved user education, and partnerships that allow these platforms to reach people where traditional financial products have fallen short. Ultimately, these future plans remain anchored in the same principle that guided the company’s early work: building financial infrastructure that helps people move forward without compounding pressure. Contact: Akeem Adebisi Company: Rakoomi Inc Web Address: www.ajopro.com Rakoomi Inc
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