Spring 21 Capstone 640pm

From a larger context, Eunice Maina, the CEO of Bismart Insurance in Kenya, associated the low penetration of insurance in the east African country to the traditional nature of insurance practiced in Kenya.  She asserted that the largest economy in east Africa practices informal insurance resulting in the low penetration of the market.“Kenya practices informal insurance in the form of crowdfunding and that has affected the penetration rate,” she said. However, Maina is of the view that rather than adopting the European pattern, traditional insurance should be developed without having to deviate from the African model. She, therefore, solicited for the use of African perspective in developing insurance in the region as techniques to tackle cultural and religious barriers in the insurance industry.

In its full year 2019 financial results, MTN saw revenue grow 9.7%, while service revenue increased 9.8% and subscriptions grew by 18.2 million to reach 251 million. Further, the group’s chief executive Rob Shuter, announced he will step down at the end of his current contract, in 2021.

Nigerian telecom operator MTN has received regulatory approval for the sale of its 49% stake in ATC Ghana. The sale is expected to generate $384 million with funds due to be transferred over the coming week. It follows the sale of MTN’s 49% stake in ATC Uganda.

MTN is in the middle of a 25 billion rand ($1.67 billion)divestment plan aimed at simplifying its portfolio over the next three to five years. Part of this entailed selling its 49% holdings in Ghana Tower Interco B.V. and Uganda Tower Interco B.V. to AT Sher Netherlands Coöperatief U.A. for $523 million last year.

Adds quotes, backgroundSponsored LinksSponsored LinksPromoted LinksPromoted LinksBabbelThis App Can Get You Speaking Spanish in 2021BabbelUndo WASHINGTON, Feb 12 (Reuters) - U.S. Secretary of State Antony Blinken announced on Friday that he will revoke - effective Feb

WorldRemit has the largest bank payout network for transfers to USD bank accounts in Nigeria, which includes Access Bank, FirstBank, Fidelity, GT Bank, UBA and FCMB, with ongoing plans for further expansion. Cash pickup in USD is also available from the following banks: Fidelity Bank, First Bank, Access Bank, Polaris Bank, FCMB, Zenith Bank and Union Bank. For added security and convenience, both senders and recipients automatically receive transaction and PIN numbers via SMS and email, for cash pick up. Recipients must present both numbers along with their ID at cash collection points. 

MTN has 232 million mobile subscribers and 20 million mobile money subscribers throughout operations in Afghanistan, Benin, Botswana, Cameroon, Côte d’Ivoire, Cyprus, Ghana, Guinea Bissau, the Republic of Guinea, Iran, Liberia, Nigeria, the Republic of Congo (Congo-Brazzaville), Rwanda, South Africa, Sudan, South Sudan, Swaziland, Syria, Uganda, Yemen and Zambia. MTN’s vision is to lead the delivery of a bold new digital world by building a best-in-class experience for customers.

Founded in 1994, the MTN Group is a pan-African mobile and telecommunications operator.

MTN is headquartered in Johannesburg, South Africa, and listed on the JSE Securities Exchange under share code MTN.

Kenya BismartEfficiency & Fraud Management

According to the World Bank, Ghana is the fastest-growing mobile-money market in Africa. Mobile operators MTN, AirtelTigo and Vodafone currently lead the industry. Banks are pushing digital banking in Ghana, but with less success, according to a report from Tellimer in September. Banks such as Ecobank, Fidelity, Zenith and Standard Chartered can use Ghana’s improving digital infrastructure to widen inclusion, Tellimer says. But the firms points to downside for banks through possible loss of deposits and lower margins on digital products due to the competition. Mobile money may lead to the “cannibalisation” of some banking products, Tellimer says. “Banks will have to fight for transactions and deposits.”

MTN is the dominant player with about 90% of mobile money transactions.

Mobile operators MTN, AirtelTigo and Vodafone currently lead the industry.

However, PULA’s research showed that registration was not as simple in practice. Because customers had to go through several steps on their phones, they found the registration process to be cumbersome. More importantly, research showed that customers wanted more than simplicity. Most agents and smallholders hesitated to sign up for the insurance after simply reading about it. And input agents, who are often trusted, face-to-face sources of information, did not make enough of an effort to explain the product. PULA often told agents that, by informing customers that their input purchases were insured, they were likely to increase sales, but this proved to be an inadequate incentive.

Ahmed Wadi, the startup’s CEO and founder, says they plan to spread their reach across Egypt (they are currently concentrated in Cairo) as well as expand to other countries in Africa.  Wadi founded MoneyFellows in 2016 and reportedly raised $1 million in a pre-Series A round last year, with the participation of 500 Startups and Dubai Angel Investors.  

Consumer research shows that financial insecurity is at an all time high. WorldRemit is working tirelessly to increase transparency and support users by providing easy access to financial services. With WorldRemit’s proprietary technology, each user can now track the money they have been sent, giving them added peace of mind at a time when they need it most.

WorldRemit is one of the first companies in the global payments industry to launch a Transfer Tracker app exclusively with recipients in mind. The digital payments company allows senders in 50 countries to send money via the app or website to recipients in over 150 countries and can choose from multiple payout methods including bank deposits, mobile wallets, mobile airtime top-up and cash pick-up.

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. 

As for DabaDoc Discussion , this section of the platform helps users to obtain an opinion on health issues before moving towards a specific specialty. This discussion forum is therefore used to ask medical questions free of charge to doctors registered on DabaDoc.

DabaDoc.com est un service de prise de rendez-vous médicaux en ligne permettant de consulter le profil d’un médecin ou tout autre professionnel de la santé de toutes spécialités, de le localiser selon la ville et le quartier désirés et de programmer gratuitement et en un clic un rendez-vous 24h/24 et 7j/7 selon les disponibilités proposées. Le nombre de mise en relations Patients / Médecins à ce jour est de 30.000 RDVs par mois.

Quant à DabaDoc Discussion, cette section de la plateforme aide les utilisateurs à obtenir un avis sur des questions santé avant de s’orienter vers une spécialité spécifique. Ce forum de discussion est donc utilisé pour poser des questions médicales gratuitement aux médecins inscrits sur DabaDoc.

The Moroccan company Dabadoc, the main African director of patient-healthcare relations, received the  2019 “  Technology Pioneer ” award, awarded by the World Economic Forum to selected companies among the most innovative in the world. Among the recipients of the title of “pioneers of technology” of the previous years, we find the biggest companies such as: Google, Twitter, Drubox and BNP .

Dabadoc will be one of the few companies in the Middle East and North Africa region to win this award and join a group of companies involved in the design and deployment of new technologies and innovations with significant impact. on their communities. “This year's pioneers know that technology is not just about innovation, it's also about application. That's why we believe they will shape the future, ”said Fulvia Montresor, Head of Technology Pioneers at the Forum, in a statement.

Dabadoc sera l’une des rares entreprises de la région du Moyen-Orient et de l’Afrique du Nord à avoir remporté ce prix et à rejoindre un groupe de sociétés impliquées dans la conception et le déploiement de nouvelles technologies et innovations ayant un impact significatif sur leurs communautés.

Privacy Policy DabaDoc (“us,” “we,”, “DabaDoc” or “The Company”) is committed to respecting the privacy rights of our customers, visitors, and other users of DabaDoc.com (the “Site”) and related websites, applications, services and mobile applications provided by DabaDoc and on/in which this Privacy Policy is posted or referenced (collectively, the “Services”). We created this Privacy Policy (“Privacy Policy”) to give you confidence as you use the Services and to demonstrate our commitment to the protection of privacy. Protecting your personal data is a constant concern for us, and the Company is committed by this to ensure that: Only personal information necessary for the proper functioning of the Service is collected Your private information is secure and protected The Company reserves the right to modify this Privacy Policy at any time without notice. You should check this page from time to time to ensure that you have full knowledge of the provisions of this Privacy Policy and that you agree with them. If you do not agree to these terms, you must stop using DabaDoc and waive benefit of the proposed service. This Privacy Policy is effective as of July 30, 2013.

DabaDoc is an online platform which allows patients to easily find and book an appointment with an available doctor nearby that meets their needs at any time and on any device. Doctors listed on DabaDoc can optimize their schedule and interact with their patients.

DabaDoc (“us,” “we,”, “DabaDoc” or “The Company”) is committed to respecting the privacy rights of our customers, visitors, and other users of DabaDoc.com (the “Site”) and related websites, applications, services and mobile applications provided by DabaDoc and on/in which this Privacy Policy is posted or referenced (collectively, the “Services”). We created this Privacy Policy (“Privacy Policy”) to give you confidence as you use the Services and to demonstrate our commitment to the protection of privacy.

Zineb Drissi-Kaitouni, CEO and Co-Founder of DabaDoc said, “We are at the inception of a disruption in the way healthcare is delivered. Having AXA as a shareholder adds an important dimension to our mission of democratizing access to healthcare. We are excited about further growth prospects with this partnership and the expertise provided by AXA in our current and future markets."Philippe Rocard, CEO of AXA Insurance Morocco said, "In the midst of a digital revolution in Morocco, customer expectations are rapidly evolving. AXA is therefore committed to transforming its role of indemnity payer into a partner facilitating the lives of its customers thanks to its services. As such, we are happy to contribute to the growth of DabaDoc, an amazing Moroccan startup. DabaDoc offers innovative services in the healthcare space, especially by facilitating patient journeys.”

• The capital raise will help enhance the company’s footprint in its existing geographies and further develop its offering

• Agreement signed on 12 September 2018 introducing Axa as DabaDoc’s first institutional shareholder

Is there not a risk that arises in terms of security, in particular that of hacking? As you know, medical data is highly sensitive ... Zineb Drissi Kaitouni: DabaDoc complies with all of its legal obligations regarding the protection of personal health data - the data processing process on DabaDoc has obtained CNDP authorization (National Commission for the Control of Personal Data Protection). We use the most secure technological standards, such as HTTPS encryption and HIPAA compliant services, for maximum security. Video / audio communications between physicians and patients are not recorded.

N’y a-t-il pas de risque qui se pose en termes de sécurité, notamment celui du piratage? Comme vous le savez, les données médicales sont ultrasensibles...

#SolidariTECH The CGEM continues to invest in startup development. In collaboration with the Moroccan Start-up Ecosystem Catalysts (MSEC), it has launched a social initiative called #SolidariTECH. It orientates the startups to develop agile solutions to the COVID19 and quarantine issues for the benefit of civil society, companies and the Government. They provide new solutions in the fields of health, education and even DabaDoc medical consultation online. Now this initiative is welcoming a new stakeholder, the International Finance Corporation. It also aims to deploy the solutions proposed by these startups in neighboring countries such as Algeria and Tunisia and identify new synergies between #SolidariTECH and similar initiatives carried out in the Maghreb region.

The CGEM continues to invest in startup development. In collaboration with the Moroccan Start-up Ecosystem Catalysts (MSEC), it has launched a social initiative called #SolidariTECH.

For instance, the platform “DabaDoc “offers citizens the option to have a medical consultation online. Now this initiative0.959

If you look at mobile payments specifically, Africa is actually one of the leaders in this space.Kobus Ehlers, SnapScan, co-founderMeanwhile, Africa's smartphone market is expected to double over the following four years -- at the moment, South Africa is reportedly the biggest smartphone market in sub-Saharan Africa, with a 19% penetration.And as smartphones increase, the paying methods are also becoming smarter."If you look at mobile payments specifically, Africa is actually one of the leaders in this space," says Kobus Ehlers, co-founder of the SnapScan app. "SnapScan was developed in South Africa for the African market, so we try to find really local and relevant solutions and I think it's going to get a massive uptake," he adds.

Using your phone to pay for goods and services is nothing new in Africa, a continent where there are more than 720 million mobile phones. Services such as M-Pesa, the revolutionary Kenyan mobile payment system that allows people to bypass banks and pay bills, withdraw salaries and transfer cash electronically, have transformed the way people and business operate.

Face au Covid-19, les médecins se réorganisent et se ruent sur la consultation en ligne sur la plate-forme DabaDoc. De quoi soulager tous les Marocains à risque de contamination. 

La société DabaDoc startup "healthtech" marocaine, leader en Afrique dans la gestion de la relation entre les patients et les professionnels de santé et AXA Assurance Maroc annoncent la signature d’un protocole le 12 septembre 2018 pour une prise de participation d’un des leaders mondiaux de l’assurance dans le capital de DabaDoc.

« Nous sommes très optimistes quant aux perspectives de croissance induite par cette augmentation de capital".

A ce titre, nous sommes heureux de contribuer au développement de DabaDoc, cette belle start-up marocaine. DabaDoc permet dès aujourd’hui d’offrir des services innovants dans l’univers de la santé et notamment un parcours santé facilité pour les patients