Lucky Financial

Founded
2018 (launched publicly 2019) in Cairo, Egypt. The app was created by Egyptian fintech entrepreneurs aiming to transform consumer spending and access to credit in the MENA region.

Founders & Leadership
Momtaz Moussa — Co‑Founder & CEO
Ayman Essawy — Co‑Founder

Location
Cairo, Egypt — with activity across Egypt and early expansion into Morocco and other MENA markets.

Industry
FinTech / Consumer Finance / Payments & Rewards — focused on credit access, cashback, offers and discounts tied to everyday transactions.

Overview
Lucky is a mobile financial app that combines cashback rewards, discounts, and accessible credit products through a unified user experience. By partnering with thousands of merchants, the app enables users to:
Earn cashback and access exclusive offers at participating stores and online platforms.
Use financing tools and credit lines such as the Lucky ONE card which provides instant approval on credit up to certain limits (e.g., up to 20,000 EGP for qualifying users).
Track transactions, balances, and offers via an intuitive mobile interface.
The platform is designed to drive financial inclusion by giving consumers — especially the young and underserved — rewards and flexible access to credit where traditional banking is limited.

Core Features & Capabilities
Cashback & Rewards: Save money on everyday spending with high‑cashback incentives.
Fast Credit Access: Tools like the Lucky ONE card with instant credit approval up to defined limits (e.g., 20,000 EGP).
Discounts & Offers: Exclusive deals from a large merchant network.
In‑App Payments & Management: Users can view balances, transactions, and manage offers directly in the app.
Security & Support: Built‑in risk and security measures plus 24/7 customer help.

Target Market
Young consumers in Egypt and MENA who seek affordable credit and rewarding spending.
Unbanked and underbanked populations with limited access to traditional credit products.
Shoppers and frequent spenders who benefit from cashbacks, offers and discounts with partner merchants.
Gaebler.com Resources for Entrepreneurs

Value Proposition
Lucky combines credit access with rewards and cashback in a single mobile solution — helping users stretch financial flexibility while getting tangible savings on everyday purchases. This proposition is particularly resonant in cash‑centric economies where credit penetration is low but mobile usage is high.