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Joko is a technology company.
Joko develops a mobile application designed to simplify and enhance the shopping experience by offering automated cashback rewards and personalized deals. The platform integrates directly with users' existing payment methods, allowing for passive accumulation of loyalty benefits and savings without the need for manual coupon entry or physical loyalty cards. This technological approach streamlines the process of finding and applying discounts, making it effortless for consumers to save on their everyday purchases across a broad network of retailers.
The company was founded in 2018 by Xavier Starkloff, Alexandre Hollocou, and Nicolas Salat-Baroux. Their founding insight stemmed from recognizing the inefficiencies and fragmentation within traditional loyalty programs and discount offerings. The co-founders aimed to create a solution that leverages transaction data to deliver relevant savings seamlessly, thereby removing friction and adding tangible value to the consumer shopping journey.
Joko primarily serves individual consumers who seek to optimize their spending through automated savings and intelligent deal discovery. The company's overarching vision is to reinvent the retail landscape by building a universal shopping companion that continuously provides convenience and financial benefits. Joko endeavors to empower users to shop smarter and more efficiently, ultimately shaping future consumption behaviors.
Joko has raised $15.8M across 3 funding rounds.
Joko has raised $15.8M in total across 3 funding rounds.
Joko is a Paris-based fintech company founded in 2018 that builds a mobile super-app to help consumers shop smarter by automatically providing cashback, coupons, price tracking, "pay in 3" options, and loyalty card management, connected to users' bank cards without needing scans or codes.[1][2][3][4] It serves millions of everyday shoppers—over 5 million users across Europe—solving fragmented shopping experiences by boosting purchasing power, enabling responsible buying (including carbon footprint tracking), and saving time at over 7,000 online and in-store merchants.[1][2][4][5] As a certified B Corporation since 2022 with an 81.8 B Impact Score, Joko emphasizes community impact, having helped 4 million users save millions of euros while partnering with thousands of brands.[1][5] The company has raised $11.8M in funding, employs around 86 people internationally (offices in Paris, Barcelona, New York), and shows strong growth momentum with user base expansion amid inflation pressures.[1][3]
Joko was founded in 2018 by Alexandre, Nicolas, and Xavier—longtime friends whose complementary backgrounds sparked the idea.[2] Alexandre and Xavier met in engineering college, working on an AI project to predict movie success; Xavier later led Jumia's travel portal in West Africa, where he connected with Nicolas on B2B partnerships, while Alexandre built scalable tech at Criteo for millions of users.[2] Frustrated by e-commerce's early-stage hurdles and poor customer experiences, they created Joko to reinvent shopping, unifying deals and rewards.[2][7] The name "Joko" means "coming together" in Wolof, reflecting their vision of bridging consumers and merchants.[2] Early traction came quickly: from a super-app boosting in-store and online savings, it grew to 1.5-5 million users, millions in user savings, and partnerships with over 2,000-7,000 retailers.[1][2][3]
Joko rides the fintech-shopping trend of embedded finance and consumer empowerment, capitalizing on post-pandemic e-commerce growth, inflation (e.g., highlighted in 2025 reports), and demand for sustainable, frictionless retail tech.[1][2][4] Timing is ideal as fragmented loyalty programs and rising costs push users toward apps like Joko, which unifies 7,000+ merchants and saves millions—amplifying its influence in Europe's retail ecosystem.[1][3] It influences broader adoption of bank-linked rewards and responsible consumption (e.g., carbon tracking), competing with/ complementing players like Greenly or TENQUBE while standing out via B Corp status and automatic features.[4][5]
Joko is poised for hypergrowth, expanding its 5M+ user base globally via AI-enhanced personalization and more merchant integrations, fueled by trends like inflation-proofing, sustainable shopping, and open banking.[2][4] Regulatory tailwinds for fintech data sharing and rising B Corp appeal will shape its path, potentially evolving it into a universal retail OS influencing ecosystem standards for cashback and impact tracking. As it scales from Paris roots, Joko exemplifies how tech reinvents everyday shopping—empowering consumers to save smarter, just as its founders envisioned.
Joko has raised $15.8M in total across 3 funding rounds.
Joko's investors include Partech Ventures, Axeleo, Lucas MESQUITA, Pieter Lammens, Alison Imbert.
Joko has raised $15.8M across 3 funding rounds. Most recently, it raised $12.0M Series A in October 2020.
| Date | Round | Lead Investors | Other Investors |
|---|---|---|---|
| Oct 1, 2020 | $12.0M Series A | Partech Ventures, Axeleo | |
| Jul 3, 2019 | $1.8M Other Equity | Lucas MESQUITA, Pieter Lammens, Alison Imbert | |
| Jul 1, 2019 | $2.0M Seed | Partech Ventures |