With his fintech startup Kaoun, the entrepreneur facilitates and secures access to financial services for all Tunisians. His company's flagship product, Flouci, has won him several international awards and distinctions.

Nebras Jemel (photo) is a young Tunisian entrepreneur. In 2017, together with Anis Kallel and Rostom Bouazizi, he founded Kaoun, a fintech company that aims to improve financial inclusion.

To reform the financial system, Kaoun helps companies understand and monetize their data for better service and increased profitability. It assists governments in the development of comprehensive financial programs and supports the digitization of public administration.

In line with its mission, the company has developed a remote identification (E-KYC) solution to enable strong remote authentication of individuals during bank account opening or before making online payments. It has also developed electronic signature products to enable individuals and companies to sign documents remotely. These products are also used to securely store signed documents and share information quickly and efficiently.

The company's first product was Flouci, a financial app that offers fully digital access to free bank accounts, wallets for payments and transfers, and other financial services for the unbanked and underserved. In the 48 hours following the launch of Flouci, the app was downloaded 9,000 times and received 700 account opening requests.

Flouci aims "to become the standard app for financial inclusion in Tunisia. The Chinese model speaks for itself. The Alipay and WeChat Pay platforms are widely used, despite the widespread use of bank cards,”  explained Nebras Jemel in 2020. In 2014, the latter was a summer researcher at the Fondazione Bruno Kessler, a European research institute focused on artificial intelligence.  From 2015 to 2016, he worked as a research assistant at Harvard University's Center for Middle East Studies. Between June and July 2016, he worked for Legalist Inc., an institutional alternative asset management company, as a software engineer, participating in the development of a legal data platform for the company.

Nebras Jemel and his company have won several awards. In 2020, Kaoun became the first Tunisian startup to graduate from the Google for Startups Accelerator program. It also won the AfricaTech Awards in the fintech category at the VivaTech 2023 conference in Paris.

Melchior Koba