Dotxml provides software as a service (SaaS) solutions that overcome the challenges of doing business in the African Mass Consumer Market.


Dotxml has been providing financial services solutions to clients in Africa for nearly a decade in countries such as Ghana, Cameroon, Sudan, Swaziland and Mozambique. Dotxml’s founders have worked in African markets for more than three decades, developing large turnkey solutions for the Medical, Insurance and Financial Services industries and have an in-depth understanding of the specific requirements that need to be accommodated in emerging mass markets. Our technology stack delivers smart, user-defined rules based process automation in financial services, healthcare and mass transit operations to reduce the operational cost of doing business with people in the informal sector that have previously been difficult to reach.



By enabling financial services and affordable healthcare to reach low- and middle income consumers in Africa, we aim to be part of their journey towards financial independence and to empower these customers to be members of self-sufficient communities. There are currently over 100 million middle class people in Sub-Saharan Africa (excluding South Africa) representing a total spending power of more than US$400 million per day (IPSOS, 2018) and by 2030 the working age population of Sub Saharan Africa is expected to grow to more than 600 million people. Join us in serving this market!

Our Thinking

Our Services

Dotxml has been providing financial services solutions to clients in Africa for more than a decade. We focus on the following verticals whilst providing horizontal integration that supports a platform business model.


Dotxml provides end-to-end digital insurance solutions that facilitate reach into the informal sector and to engage these customers with affordable and innovative risk transfer products.


Dotxml provide digital solutions that help to extend reach into the informal sector of emerging markets, through cashless payment technology, mobile customer engagement, rewards programmes etc.


Dotxml provides contactless ticketing technology for the mass transit sector. We also provide route set-up and fare management solutions, together with tracking of vehicles and driver behaviour.


Dotxml provides digital solutions that facilitate an integrated approach to healthcare provision and support community-based healthcare facilities through technology.


Dotxml provides mobile applications for setting up and managing informal savings and loan groups, transparently tracking contributions and disbursements.


"Teamwork is the ability to work together toward a common vision. The ability to direct individual accomplishments toward organizational objectives. It is the fuel that allows common people to attain uncommon results." ~ Andrew Carnegie

Deon Bezuidenhout


Lucas Greyling

Operations Director

Trevor Joubert

Technical Director
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Fun Facts About Us

Programming isn’t about what you know, it’s about what you can figure out.

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    Cups Of Coffee Per Year
  • 20 000 090

    Lines Of Code