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Smartel Money customer base comprises banked and unbanked people and societies, insurance, retail grocery, retail clothing, retail cell phone services, utility services etc. We aim to provide to individuals, institutions, organizations, multi-industry sectors and governments with the cutting edge, fresh and innovative financial management system in this ever changing world.

Are acronyms for the Smartel Money Point of sales system and the Smartel Money Mobile point of sales systems respectively. These are the application systemsthat have access an access to the Smartel Money central engine. The sPOS runs on the normal desktop or a laptop computer, This system is connected to the Smartel Money central system, this system is used by the stationery merchants such as the grocers and has the capacity to parse smartel money as a payment instrument. The merchant may also chose to have the ERP linked to their sPOS. The smPOS is meant for the non-stationery merchant, as it runs on a mobile platform that is the iOS and android OS. Both the sPOS and the smPOS can use the CPEM and the security code scanning/tagging parsing technologies.

Smartel Money customer base comprises banked and unbanked people and societies, insurance, retail grocery, retail clothing, retail cell phone services, utility services etc. We aim to provide to individuals, institutions, organizations, multi-industry sectors and governments with the cutting edge, fresh and innovative financial management system in this ever changing world.

Over the last four years, our service has allowed the Ethiopian population to access the following services using their mobile phones: Health advice (HelloDoctor), Market access (HelloMarket / HelloGebeya), Labour market access, (HelloJobs / HelloSera), Legal advice (HelloLawyer / HelloTebeka), Mobile Trade service (HelloBroker/ HelloDelela).

Belcash Technology Solutions PLC (BCTS) is a registered Value Added Service (VAS) provider legally operating in Ethiopia. BCTS has obtained its licenses from Ministry of ICT and with a signed agreement with Ethio Telecom to provide services to the Ethiopian market.

The HelloCash Network is the largest financial service network in Ethiopia with 9,900 Service outlets across the country. Currently, within HelloCash network there are over 1,500,000 HelloCash customers. The network is expected to grow to 20,000 service outlets (Agent Network) by end of 2020.  

With Carbon, all loan requests, processes and payments are done via their android platform mobile app.You can borrow from as low as 5 cedis to as high as 1,000 cedis without the need to provide a collateral.All that is required of you as a loan applicant is your bio-data, your photograph, information about your employment and the loan amount you want.Once your loan has been reviewed and you pass the review process, your money is sent via the mobile wallet you applied with.

SimbaPay is an award winning mobile app transforming the international remittance space. With a focus on extreme speed, convenience and constant innovation. Customers are able to send money to loved ones or even merchants, from wherever they are at any time of day or night. The company is headquartered in London and can be found online at www.SimbaPay.com SimbaPay is licensed and regulated by the Financial Conduct Authority.

SimbaPay is an award winning mobile app transforming the international remittance space. With a focus on extreme speed, convenience and constant innovation.

Helios completed the acquisition of a 76% stake in TPAY, a fast growing direct carrier billing provider in the Middle East and North Africa from A15, a leading tech investment fund based in Egypt. With offices in Cairo and the UAE, TPAY currently operates across 16 countries with almost half of its total transaction volume coming from African markets such as Egypt, Tunisia, Algeria and Morocco.

TPAY provides a much-needed mobile payment solution in markets with low banking penetration and high mobile adoption.

Helios completed the acquisition of a 76% stake in TPAY, a fast growing direct carrier billing provider in the Middle East and North Africa from A15, a leading tech investment fund based in Egypt. With offices in Cairo and the UAE, TPAY currently operates across 16 countries with almost half of its total transaction volume coming from African markets such as Egypt, Tunisia, Algeria and Morocco.

Financial inclusion, from my personal perspective, is the creation of value added services for the disadvantaged in the society. From the concept of Barefoot Banking to digital innovations, financial inclusion bridges the inequality financial gap that exists between the rural and the urban settings. My personal mission is to make it possible for the smallholder farmer who lives in the most remote parts of Ghana receive payment for his goods and services through a digital solution.

The Fintech space in Ghana is gradually picking up steam with active participation from the public and private sectors. Government regulations on e-money and mobile money technologies are favourable and aiding adoption and rolling out of new technologies every day targeted at the unbanked population. Out of the 6 major telecommunication companies operating in Ghana, 4 are mobile money enabled, facilitating financial transactions between businesses and consumers. Banks also have rolled out services that target financial inclusions. These positive tides are helping shape the Fintech landscape in Ghana.

Though each Hello brand represents a different service, they all share one key feature - the mobile phone is the access point for their service.

Belcash is the proprietor and provider of the 'Hello' brand. We attempt to find the perfect fit for our customers and partners. This heavy focus on customer service, innovation and professionalism means that our stakeholders are proud to identify themselves with us

The chatbot will also enable 24/7 instant customer service for its customers across Africa and Europe. Daniel Howard, CTO for SimbaPay, says: “Another major objective we achieved with the chatbot service is that it also works without internet. This means customers with a mobile phone, even a basic phone without internet access, can access the SimbaPay chatbot using SMS.” Together with Interswitch, SimbaPay says its B2B division offers its instant remittance technology to banks and telcos who want to provide their customers with the service. To send money with an SMS users need the recipient’s phone number and the chatbot will automatically obtain the recipient bank account or mobile money details.

Zambia's Investrust Bank launched InvestMobile, its mobile banking service. The product will be rolled out to existing account holders before being extended to unbanked communities. InvestMobile works from the handset, providing an account summary of the last seven transactions and supporting payment of bills to various utility companies such as Lusaka Water and Sewerage Company and MultiChoice. Customers will be able to view status on accounts such as term deposits, loan statements and positions on cleared or uncleared cheques and make transfers within the bank and to external accounts at

Enjoy the lowest rates in the country, cheaper than internet banking and even cheaper than mobile money. We have kept our fees as low as possible - we are the most affordable option on the market

Enjoy the lowest rates in the country, cheaper than internet banking and even cheaper than mobile money. We have kept our fees as low as possible. We are the most affordable option on the market.

tions (number years to reach 80% coverage) 5 One of the reasons mobile phone technology has spread quickly is that it has followed other technologies that may have eased the way. Figure 2 confirms this sequencing property is likely at work, at least in the US: many of the new technologies that were introduced before about 1950 (with the exception of radio) were relatively slow to diffuse through the population, whereas those introduced in the second half of the century saw generally steeper adoption rates. Nonetheless, the speed of adoption of cell‐phones, especially in the developing world, remains unprecedented. Figure 2: Technology adoption is getting faster 6 5 Data from World Bank. 6 Source: New York Times, February 10, 2008. 0 20 40 60 80 100 120 140 Railw

Nigerian fintech startup Paga, poised for global expansion, has announced its acquisition of Apposit, a United States (US)-based technology company with operations in Ethiopia. Founded in 2009, Paga provides Nigerians with safe and convenient ways of making payments, allowing money to be sent to any phone number for the beneficiary to redeem at a Paga agent or at an ATM via a cardless withdrawal. Customers can also use Paga to deposit money to bank accounts in Nigeria, pay their bills, or top-up mobile phone airtime.

Consumers can download the MasterPass app from their app store, register, and load their credit, debit or cheque cards from any bank into the digital wallet. To pay, Masterpass users simply need to scan a QR code, or SnapCode, displayed at point of sale or online at a wide range of SnapScan merchants including coffee shops, professionals like doctors and market vendors. They then enter the payment amount into their Masterpass app and confirm the transaction with their ATM pin code or a one-time pin code sent to their mobile phones.

For its part, AXA Assurance Maroc announces that it will reimburse medical expenses for video consultation for disease declaration files submitted by AXA policyholders. These files are supplemented by the prescription and the payment receipt received by email from DabaDoc. 

DabaDoc met à disposition des patients la possibilité de prendre rendez-vous en ligne depuis la plateforme DabaDoc.com et d’échanger avec un médecin à distance sans se déplacer. Le service de consultation vidéo a été activé par DabaDoc pour tous les médecins adhérents, sans engagement.  Un lien unique et sécurisé est généré à chaque rendez-vous et transmis aux patients et aux médecins par SMS pour démarrer leur vidéo.  Le service ne nécessite pas le téléchargement d’une application mobile et fonctionne directement sur Chrome (Android) et Safari (iOS).

De son côté, AXA Assurance Maroc annonce qu'elle assurera le remboursement des frais médicaux de consultation vidéo pour les dossiers de déclaration maladies soumis par les assurés AXA. Ces dossiers sont complétés par la prescription et le récépissé de règlement reçus par courriel de DabaDoc. 

Bismart Insurance – VC4A Original: vc4a.com Insurance Penetration in Kenya is at 2.7% due Lack of education/Knowledge, Mistrust, inaffordability and lack of transparency.

SimbaPay (http://www.SimbaPay.com) is revolutionizing the remittance space through its official announcement of raising the single transaction limit to a whopping $45,000. This is substantially higher than the previous transaction limit of $3,000. According to Victor Karanja, Head of Operations at SimbaPay, sending money home and buying property across Africa has just become a whole lot easier. “A pain point for customers in the past has been having to undertake multiple transfers to complete a single purchase.” “A key risk with multiple transfers was exchange rate fluctuation. Sending up to $45,000 with just our mobile app will protect senders from the fluctuation that arises when one splits up the transfer,” said Karanja.

Send money to recipients in these countries ASIA: China, IndiaEUROPE: Austria, Belgium, France, Germany, Italy, United Kingdom, Portugal, Spain, TurkeyAFRICA: Burundi, Rwanda, Tanzania, Uganda, MadagascarCOMING SOON: Canada, USA & Australia among other countries