It started with a simple frustration. As a Ghanaian grad student in the US, I found myself constantly juggling multiple currencies, optimizing when to send money home, and trying to understand how my spending patterns affected my ability to support my family and pursue my dreams.
As a Financial Economics graduate, I craved for a tool that could help keep track of my spending, savings, and remittances across borders. A tool that could provide insights tailored to my unique situation—living between two economies, two cultures, and two sets of financial expectations.
Back then, the apps available—Mint, YNAB, and others—weren't built for someone like me. They didn't understand remittances and exchange rate comparison. They couldn't track cedis or naira and dollars seamlessly. They had no concept of the unique financial pressures facing the African diaspora.
"I needed a tool that understood my life between two worlds. When I couldn't find it, I decided to build it."
— Founder, PayogoPayogo was born from lived experience. Every feature—from expenses receipt scanning, setting monthly budgets, multi-currency support to remittance optimization—comes from real challenges I face every day. The ability to understand where I stand financial, because, it was easy to fall into the overspending and credit card trap. cta
The AI adoption. We build and train AI models into the core of our service to help our users and make their lives much easier. Thus, an AI that doesn't just analyze spending patterns but understands the cultural nuances and emotional factors influencing financial decisions.
We're not building another budgeting app. We're building financial infrastructure for a community that has been underserved and overlooked. A community of 2.1 million Africans in the US and 140 million globally who deserve tools that speak their language—literally and figuratively.