Pebla allows users to send and manage money without an internet connection, targeting regions with unstable networks.
Ghanaian entrepreneur David Masoperh co-founded the app in Rwanda in 2020 with Jerry Auvagha.
The platform consolidates multiple financial services into a single interface to simplify mobile payments.
David Masoperh is a Ghanaian computer scientist and entrepreneur based in Rwanda. He co-founded Pebla and serves as the company’s chief product officer.
Pebla operates as a financial services application that allows users to manage and send money, including without an internet connection. The platform brings multiple financial services together within a single application.
David Masoperh and Jerry Auvagha founded Pebla in 2020. The founders designed the application for emerging economies, with a primary focus on East Africa.
The platform centralizes services such as payments and transfers within one interface. This structure allows users to avoid juggling multiple applications and complex access codes.
Pebla enables offline payments and transactions through a simple menu accessible from a mobile phone. The application does not require a permanent internet connection.
Users can send and receive money, complete transactions, and track activity through a limited number of steps.
The application also supports expense sharing by allowing users to split a bill among several people. Each participant can pay their share directly from their phone.
Pebla further enables users to send and respond to payment requests quickly. This feature simplifies reimbursements among friends, colleagues, and family members.
Pebla targets individuals who seek a simple way to pay, split expenses, and send money without relying on network quality. The application also targets users who feel uncomfortable with complex digital tools.
The platform prioritizes a clear interface and streamlined user journeys to reduce friction.
David Masoperh graduated from African Leadership University in Rwanda with a bachelor’s degree in computer science. He also earned a master’s degree in information technology from Carnegie Mellon University in the United States.
He began his professional career in Ghana in 2017 with a project management internship at IT company theSOFTtribe.
Two years later, he completed an internship in risk management and compliance at financial group Absa Group.
In 2021, he joined KudiGo, a technology company specializing in retail management. He worked there for three months as a product management and sales intern.
In 2022, David Masoperh became a product manager at Upskiller, a UK-based human-centered edtech startup that relies on artificial intelligence. One year later, he held the same position at Ladder, a Ghanaian technology startup that offers an integrated personal finance management experience.
This article was initially published in French by Melchior Koba
Adapted in English by Ange Jason Quenum