Kema - Smarter Corporate Spending

A neo bank that focuses on SAAS expenses with card solutions designed specifically for SMEs to manage purchases, control online spending.

Kema - Smarter Corporate Spending

Introducing Corporate Cards

Corporate cards designed for organizations to manage purchases, control spending, and avoid petty cash.

Kema logo
Kama debit corporate cards

Why Kema Needed to Exist?

SMEs and startups currently spend online and offline through the use of debit cards issued by banks - just as they would if they opened any bank account.

This reality presents a number of challenges for SMEs:

  • Managing the varying spending needs of each team member or department within the organization.
  • Time wasted on required spending request approvals.
  • Inefficient budget allocation - team members sometimes need to pay from their own money and await reimbursement.
  • Card used for payment by everyone is controlled by one key person or department - creating bottlenecks.
  • Tracking and reconciling expenses made by everyone on one card means higher error rate when bookkeeping.

Flexible Resource Allocation

Allocating funds to different teams and departments across your organizations should be swift, and flexible.

Efficient Processes

Spending is more than just payment - complex internal processes such as approvals are involved, and they must be simplified.

Easier Cost Control

Instantly issue virtual prepaid cards to teams and easily set controls over relevant spending attributes.

A diagram illustrating the expense and fund request verification and approval cycle
List of members and invite a new member screens

Smart Cards for Enterprises

Swift digital onboarding experience

Instant virtual cards issuance integrated with digital wallets

Control and analyze spend, optimize expense management

Partner Ecosystem that covers different business needs

Streamlined integrations with back office solutions

App Development


UI development: Flutter
Programming language: Dart


Frontend: Java Script - VueJS with vuex
Backend: Python (Django)
DB: PostgreSQL & MongoDB

Kema website screens
An illustration of a team riding one bicycle behind Kema mobile app screen
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Need help building the next big thing?

We don’t care if you are a global enterprise or a startup… if you have the real ambition to grow, we’d like to talk to you!