MSME Masterminds

Welcome to the hackathon dedicated to improving the lives of Jordanians, hosted by JoPACC

As the digital economy unfolds, it’s increasingly clear that a wide range of participants will be required to work together to deliver the efficiency, resilience, adaptability and accessibility that’s required for a world class payments system. With this in mind, hackathons provide an excellent opportunity for participants to come together and JoPACC is pleased to stage this event, supporting industry wide cooperation.

On behalf of JoPACC I’d like to thank you for the time you are dedicating to this hackathon.

Enjoy the weekend!




The Micro, Small, and Medium-Sized Enterprises (MSMEs) form more than 95% of business in Jordan and hugely support economic growth with a 40% contribution to the GDP. That said, access to different financial services continues to be one of the most significant challenges for creating, surviving, and growing MSMEs, especially new innovative ones. For example, most MSMEs face difficulties accessing credit in Jordan due to the lack of documentation, financial management skills, and advanced credit-scoring tools, making them less attractive to lenders.
The hackathon targets solutions and ideas that fall under any of the following themes/challenges to increase the digital financial inclusion of MSMEs in Jordan:
Risk management & mitigation
Innovative risk management and mitigation approaches for MSMEs financing and access to financial services.
Process management & enhancement
Innovative process management and optimization to reduce costs and enhance efficiency when interacting with MSMEs.
Credit data & scoring
Innovative credit data and scoring models to invigorate MSMEs' access to finance in Jordan.
Innovative products & services
Innovative products and services to support MSMEs financing and access to financial services to increase financial inclusion
Women-led/owned MSMEs products & services
Innovative products and services to support the needs of women-led/owned MSMEs,


1. Ideas, MVPs or products are welcome
2. Individuals or teams of individuals or established entities.
3. Tech-enthusiast, coders and developers
4. The end products and POCs must be deployed in the Jordanian market.


At the end of the hackathon on day three, and upon completion of your prototype, the following deliverables should be submitted:

  • On-site presence is required.
  • The final deliverable is your pitch.
  • 3-minute demo video
  • Supporting documentation (this may include photographs of whiteboards, diagrams, written notes, a short business case, or any other material you think relevant)


Mar 16
7:00 PM — 8:00 PM Doors open and registration
8:00 PM — 8:30 PM Welcome address
8:30 PM — 9:00 PM Challenges and API presentation
9:00 PM — 9:30 PM Fire-pitches – bring your idea and pitch it to the crowd
9:30 PM — 10:00 PM Flea market of ideas – find a team
10:00 PM — 10:30 PM: Refreshments
Mar 17
9:00 AM — 10:00 AM Doors open and breakfast
10:00 AM — 10:15 AM Ice breaker
10:15 AM — 10:30 AM Stand up: who's working on what
10:30 AM — 11:30 AM API workshop & UX Clinic
11:30 AM — 1:00 PM Finalise your concept and start hacking
1:00 PM — 2:00 PM Lunch
2:00 PM — 4:00 PM Mentor session
4:00 PM — 5:00 PM Snack time
5:00 PM — 6:00 PM Pitch training
6:00 PM — 10:00 PM Hack & relax
10:00 PM — 10:30 PM Refreshments
Mar 18
9:00 AM — 9:30 AM Early bird surprise
9:30 AM — 10:00 AM Breakfast
10:00 AM — 10:30 PM Stand up: who’s working on what
10:30 AM — 1:00 PM 1:1 Pitch rehearal & hacking
1:00 PM — 2:00 PM Lunch
2:00 PM — 3:00 PM Shut-down production / Delivering products
3:00 PM — 4:00 PM Practice running order
4:00 PM — 5:45 PM Demos – 3 min per pitch
5:45 PM — 6:00 PM Jury deliberation
6:00 PM — 6:30 PM Award ceremony & closing note
6:30 PM - 7:00 PM Event close and drinks


Compete to win up to JOD 100,000 in prizes!
First Prize

First Prize

Second Prize

Second Prize

Third Prize

Third Prize



All intellectual property rights in the ideas and applications of a participant shall remain owned by, and shall vest in, the participant who creates them. See Terms and Conditions for more information.

No! We will help you find a great team to join.



Sure, here’s a video from a recent hackathon, which was run by the Open Bank Project in El Salvador.

Six individuals.

Yes. Even if you're not coding it's a good idea to bring some kind of internet-enabled device.

No, entrepreneurs, designers and anyone with bright ideas and energy is most welcome.

Perfect. Come and have a great first experience!

No, not this time. At some point we'll go have some drinks, get some sleep and return bright and early.


Open Banking APIs

To bring your ideas to life, you have access to a sandbox environment, powered by Open Bank Project. The sandbox offers more than 500 API endpoints and a host of realistic but test data to help you develop and iterate your solution. Feel free to explore and get started by registering for an API key
Register for an API Key