Ovamba created a culturally astute risk measuring algorithm to better understand and serve Africans with financial services and capital for growth. They also created a natural language chatbot which allows Africans who do not speak english, french or Arabic to be able to apply for funding from Ovamba in their own language and receive business coaching to help them grow and run better businesses. The model blends Sharia & ethical business elements with eCommerce, logistics & warehousing to deliver full end-to-end services help grow SMEs operating in the trade sector. Ovamba also funds commodities and exports.