Enabling digital engagement
through client centric fintech
and rewards solutions

AKELO is a highly scalable fintech and media distribution platform, enabled by unique technologies and embedded IP. We offer
bespoke solutions focused on generating sustainable revenue streams from multiple products, by securing ownership of the last
mile for each channel.

This provides a marketplace for embedded financial services and engagement solutions for corporates, independent retailers and
SME merchants, linking brands and underserved consumers, across Africa and the Middle East.


With the recent acquisition of the strategic fintech and customer engagement entities, 2Engage, Crossgate, Tuyu and Efficacy
Payments, AKELO is well poised for scalable growth in Africa, Middle East and emerging markets. The additional acquisition of
bonsella®, South Africa’s largest independent retail shopping rewards program, enables AKELO to provide in-house tested
solutions as well as access to the associated retail and consumer network.

Through the consolidation of the different business units under two clear take-to-market structures (B2B and B2BC), AKELO is
ideally positioned to offer new channels to market with improved cost efficiencies and market penetration.

The recent purchase and roll-up of the group companies has allowed AKELO to reposition key resources for improved focus
and delivery, and utilize the broad client base for cross-selling products and services.

2Engage 2Engage are behavioural change agents and an award-winning customer engagement and incentive solutions business focused on delivering solutions that drive customer acquisition and retention through seamless engagement. Our Solutions, Customer Rewards, Staff Rewards and Retail Rewards, offer a wide range of capabilities from coupon-based rewards and discounts, to customer payment capabilities, with the focus being on connecting brands with their consumers.


Based out of South Africa, we have experience in the design, implementation and management of custom multi-national rewards programs that drive customer behaviour and deliver measurable ROI – all tailored to meet client objectives.

Crossgate Crossgate provides simplified payment solutions, helping companies implement solutions that enable payments whilst removing the complexities of product and technology choices in an ever-changing payments landscape.


It offers a highly differentiated solution for the distribution of payment instruments to some of the largest Banks and Retailers in South Africa and MEA. The Crossgate technology stack powers strategic Alliance Banking projects, and we focus on delivering highly secure, simplified and scalable platforms and payment instruments to power our clients’ strategies in Financial Services and Fintech.

Efficacy Payments Efficacy Payments is focussed on financial inclusion and cash displacement facilitated through innovative solutions that allow for the digitisation of payments in both the formal and informal sectors. The digital payment solutions catered for cover card acceptance, deposit@till, person-2-person payments and disbursement capabilities. As a Fintech, Efficacy Payments is engaged in payment innovation and collaboration with stakeholders to transform the payment landscape in support of greater financial inclusion, ensuring both convenience and relevance to the market.
TuYu TuYu is a mobile rewards platform that allows users to receive and redeem rewards in a secure and convenient manner by using their mobile phones. Our reward solutions offer companies a streamlined, innovative way to reward consumers and staff instantly, ensuring a quick turnaround time between qualifying for a reward and being rewarded appropriately.


TuYu Rewards can be redeemed in-store at 70 000+ till lanes nationwide.

bonsella bonsella® is a “coalition” multi retail store rewards program that provides brands with direct access (by individual) to the lower LSM mass market. Our objectives are to promote sales, gain insight into consumer behavior, build brand engagement and equity, while achieving a sustainable, measurable ROI. In addition, the solution provides ‘marketing smarts and tools’ to the 2nd tier retail sector.


bonsella® provides participating retailers and brands (and other industry stakeholders), the ability to engage directly with this economically active shopping base through 1-2-1 targeted communications. The bonsella® backend technology delivers sales measurable promotions by tracing product take-up at till point, linking the members card to the shopping basket (pre, during and after promotions), resulting in comprehensive basket analytics and customer purchase insight. This coupled with the ability to reward individual bonsella® members in the form of airtime and other incentives, allows brands and retailers to shape consumer shopping patterns and brand preferences into the future.



Group CEO

Winner of the 2019 SA Entrepreneur of the Year, 25 years’ experience in building companies across multiple industries.


Co-founder Crossgate Group               

Entrepreneur, Fintech and Insurtech investor, 25 years in Fintech and Payments.


Deal Executive

20 years’ experience in the financial industry and current at Deal Executive African Rainbow Capital (ARC).



Entrepreneur, Ex-Regional President for MEA, Member of ExCom, EVP Digital BU Idemia.


Shareholder representative 

Co-founder and CXO Crossfin Technology Holdings, 28 years’ experience in Payments and Fintech.


CFO Crossgate

Experienced CA(SA) with extensive knowledge and experience of the Fintech and Payments industry. 2019 SAICA Top 35 under 35 finalist.


Senior Associate

Naomi is a highly driven investment professional at Ethos Mid-Market Fund.



Group CEO

Winner of the 2019 SA Entrepreneur of the Year, 25 years’ experience in building companies across multiple industries.


Group Revenue Officer

Tom has had a 25 year successful career as a banker and an independent management with specialisation in payments, card processing, credit, remittances, business process optimization, deal-making, and negotiations.


Co-founder Crossgate Group               

Entrepreneur, Fintech and Insurtech investor, 25 years in Fintech and Payments.


Co-founder Efficacy Payments

Executive with a deep experience in the financial services and payments environment, both traditional and non-traditional.


Group Sales

An entrepreneur who drives growth of market share by designing and implementing targeted sales strategies through pursuing opportunities in new and emerging markets.


Group Chief Financial Officer

Wayne comes with 25 years’ experience in consolidating excellent corporate finance, consultancy, and commercial experience within a broad operational and group finance environment.


Group Head of Talent

An Industrial Psychologist who brings 20 years’ experience in creating global people management strategies within petrochemical, banking and finance, insurance, and aviation industries.


Crossgate Retail                 

Fintech investor, 23 years’ experience in the retail and banking sectors .


2 Engage / Retail Engage

An entrepreneur who develops businesses and brands from concept to profitability. Creating sustainable revenue and market share across multiple industries.

EMAIL: adrienne@akelo.co
TEL: +27 83 280 52 56
ADDRESS: Office 2.15, Workshop 17, The Bank, 24 Cradock Avenue,
Rosebank, Gauteng, 2196