HAKKI AFRICA

HAKKI AFRICA LIMITED is a Japanese-founded fintech company providing used car financing and credit scoring services to underserved individuals in emerging markets, primarily in Kenya, South Africa, India, and Thailand. Founded in 2018 by Reiji Kobayashi and Koji Tokida, the company uses a proprietary AI-based credit scoring model tailored for the Global South, where 1.8 billion people lack access to formal financial services. HAKKI's core product enables individuals to access vehicle financing within 24 hours, with loan amounts up to 70% of a car's market value. The company has partnered with Bolt to finance the largest ride-hailing fleet in Africa, and has received backing from Global Brain and Shoko Chukin Bank.