Product Name: PhemaAgri
Problem Statement: The Agriculture sector employs about 60% of the population and contributes up to a third of the country’s GDP. Tanzania has more than 60 registered banks, yet fewer than 5% of financial support goes to the agriculture sectors. Small holder farmers struggle to find financing relief from traditional financial institutions as they are perceived as being too risky and lack the appropriate collateral to secure a loan from banks.
At the same time in Tanzania, a majority of the middle-income working population are located in urban areas, working 9 – 5 jobs with no time to venture into agriculture. These individuals have surplus income but few investment opportunities to grow their money. Investments in Tanzania provide small returns (e.g. Treasury Bills are at 3.5% for a 3-month investment, fixed deposits at 10% for a 1-year investment), while none is available for agriculture.
Target market: Our target customers are middle income individuals living in urban areas, aged 20 – 60 and working a 9-5 job.
Product description: Our product is a digital agriculture crowdfunding platform that facilitates working capital financing for small holder farmers in specifically selected value chains. The platform matches investors looking for investment opportunities in agriculture with screened farms/farmers looking for a working capital financing solution to enable their production process. The platform is linked to a bank payment method, together with a mobile money direct integration to make crowdsourcing easy and quick for the regular Tanzanian.
Investors get the opportunity to create their own investment portfolio in various available farms ready for investing.
|Daniella Kwayu||Donald Kwayu||Perryn Luze-||Ali Katunda||Nora Daniel|
Product Name: Kumbuka Loans App
Product Description: The Kumbuka Loan App is a Crowd Funding Business Loans Platform, which provides short and long term loan options for businesses without the need for physical collateral. It is a secure investment opportunity for lenders guaranteed by the Platform Administration.
|Mapalo Lukashi||Chipasha Lukashi||Esnart Kanenga Chikobeli||Mercy Luwi Katoka||Joshua Kosamu|
Product Name: Zinwe
Problem Statement: The clear lack of flexible alternatives to short-term financing for SMEs
Target Market: Profile of the eligible SMEs:
Product Description: Zinwe- platform is an alternative source of short-term, fast, flexible, and affordable financing to support SME operations. It iss an investors and SMEs aggregator platform aimed at bringing together companies looking for financing and people willing to invest. Fast, targeted, easy, and transparent. It provides short-term financing (hours, days and even months). On this Platform, investors access details of how the selected business works, in order to decide which business they are going to invest in.
|Pacheco Jossias||Ventura Maculuve||Nelton Viana|
Product Name: Moseley
Problem Statement: Financial products are rarely available to independent retailers and informal traders due to a lack of data, sustainability, and limited growth opportunities of their businesses.
Product description: Digital business to business (B2B) distribution company, which aggregates independent retailers and traders (FMCG and agricultural products) buying in bulk for better pricing from suppliers, while providing financial products to them.
Product Name: iSIS Group
Target market: We have two sectors of target markets:
|Qoane Mothibeli||Thomello Mat’sasa||Boitumelo Mothibeli||Mahlompho Sefika||Kolisang Mothibeli|
Product Name: Kwiky-Credit
Problem Statement: Every year, a market worth more than USD 30 Billion in Africa is underserved with no access to formal credit because of lack of collateral and a formal credit history. The informal sector is left to borrow from loan sharks, with unregulated interest rates that continue their perpetual poverty.
Target market: Small-Micro-Enterprises (SMEs), Street vendors, Students
Product description: Kwiky is a digital credit platform for domestic lenders to provide small businesses and street vendors access to instant credit, with little to no collateral. We have created an algorithmic approach using mobile data in assessing creditworthiness and creating a profile for lenders to safely disburse funds. In this way we are making truly financial inclusion for the unbanked our reality coupled with financial literacy tips.
|Aobakwe Seokana||Titose Chembezi|
Product Name: Kairos
Problem Statement: As per a recent a publication entitled Towards Financial Inclusion that read, ‘The Financial Service Sector has become increasingly important to Malawi’s economic growth and development. In recent times, the country has seen a wide range of innovative products out of the sector that have deepened the levels of intermediation. Yet the fact is that the majority of the population remains underserved especially those with low incomes, disabled, technologically challenged and those living in the remotest areas.
While there is little debate on the direct relationship between Financial Inclusion and economic performance, research shows that it is not cheap for Banks, Insurance and Financial Service companies to extend their facilities to all corners of the country.
Government, through the Ministry of Finance Economic and Planning and Development in conjunction with Reserve Bank of Malawi in 2017 launched the National Strategy for Financial Inclusion, seeking to facilitate an increase in the delivery of Financial services at affordable costs, especially to the low income segments and the rural masses from 35 to 55%.’
We have recognised this as an opportunity to reach out to the vast untapped market by providing a solution to this problem by sharing our innovation with a vast array of people deprived by the Financial Services and we hope to reap dividends by taking advantage of the on going Financial Literacy drive and help push for individual economic independence.
Target market: The primary target client base is 75 % women and 25% men in the urban and rural areas, especially those who own small businesses in informal sectors with a clear track record of operating successfully for not less than three months. These are mostly vendors who buy and sell stock on a daily basis, trading in fast moving agriculture products and who are able to repay portions of their loans every day. Due to gender based violence and a culture that remains a serious developmental challenge, women and girls fare worse than their male counterparts on social-economic indicators. These include literacy, primary, secondary and tertiary education enrolment and completion, wage equality, and political participation.
Despite their critical role in food production and taking care of their households, Malawian women have little control over land, even if it is their own passed on from their family line. The lack of access to productive economic resources is frequently cited as a major impediment to gender equality and women’s empowerment, and is particularly a factor in making women vulnerable to poverty.
Despite these drawbacks; they are more responsible borrowers, savvy business operators, and better savers. Women in Malawi, working in the vendor space, are quite likely to be mothers, married, single, divorced, or widowed. Their three major focus areas are their children, business, and their homes. 70% of these women in the rural areas are widowed or divorced breadwinners who are responsible for the general planning of their homes.
In Malawi, families are often not direct relatives and, on average, these women have no less than four children to feed, take to school, etc. A woman could be taking care of four children, where only two are her own. If they have husbands, they are normally in control of where and how the money is spent, often resulting in ‘hiding’ money in chipereganyo (where money is contributed in groups and everyone has her turn to receive the contributed amount either on a daily, weekly or monthly basis) or village banks as a saving method. Women take care of large families, disability or poor health. This is not an option for them.
By borrowing a leaf from GSM providers (Cash points), we are going to establish branches in the urban and rural markets or where ever people gather and trade, targeting well populated areas. Our plan is to erect well branded kiosks that can be easily assembled or disassembled at any desired location.
These kiosks will be manned by well-trained credit officers and each will be equipped with an android phone with an app to interface with the cloud-based credit management system for record updates. The loans will be disbursed and repaid through GSM mobile money apps. Once clients have been vetted, and groups created and leaders identified, then funds will be disbursed and repayments will be made every morning of the next business day, between 8am and 12pm. The money will be wired from members through to the group leaders (GSM money app) and the leaders will transfer them directly to a central company account (Kairos) that will be manned by one of the commercial banks. Confirmation messages will be received by the Kairos back office reconciliation team and the team group leader and he or she is to take it to the Kiosk (Branch) and the credit officer will then issue a receipt and update the records accordingly. We believe this is the cheapest and most effective way for our product to reach our intended audience, those with low incomes, disabled, the technologically challenged, and those living in the rural areas.
Research has shown that many people are now using mobile phones in both urban and rural areas and the proportion of adults using mobile phones is 75.38% of the whole country. 89.43% of these adults have received money through mobile money services and 89.93% have transferred money through the same channel. (RBM’s Financial Literacy and consumer protection household follow up survey 2018).
|Chifundo Chikoja||Victor Custom||Trevor Mapulanga||Richard Mwawa|
Product Name: Lyf+
Target market: Patients aged 18 to 45 years earning at least 250,000/= Tsh monthly.
|William Andrew Mduma||Dr Lilith Ferdinand||Dr Ali Khatauilian||Francis Omorojie||Mercy Murithi||Baraka Tweve|
Product Name: Smart Revision
Problem Statement: Imagine a student trying to pursue his/her dreams to become an engineer. Their challenge is that: - schools are closed because of Covid19, they have no access to books, and they have no access to revisions and progress monitoring reports.
Target Market: We target 7 million school and non-school going pupils in Zambia. We also market to 6,000 schools and to parents/guardians.
Product Description: Ace Smart Technologies Ltd is the largest and most comprehensive technology company in Zambia that focuses on education-based services. Ace Smart Technologies Ltd has more than 25,000 users and manages more than 50 teachers offering services in more than 80 subject areas. It has collaborated with Zamtel, Examinations Council of Zambia(ECZ) and the Ministry of Education in Zambia. Ace Smart Technologies Ltd provides many learning services, the favourite being Smart Revision. This is an online self-learning platform with ECZ past papers and solutions, notes, videos, quizzes, infographic summaries, and topic exercises accessible through Ace Smart Technologies Ltd’s web and mobile application. Smart Revision is available for students from grades 1 to 12, covering all curricula and GCE in Zambia. Our customers pay for our services through Visa/Mastercard, mobile money, zampay, and talk time credit.
|Michael Chola||Elias Kampamba||Emmanuel Mbewe||Lee Lwando||Chabu Muchinshi|
Product Name: MóvelCare
Problem Statement: Over 18 million people in Mozambique do not have access to formal insurance products. This leaves over 65% of the total population of 28million with no funeral cover, medication cover, maternity cover, or accidental cover. This puts aggregate insurance adoption at a low of 3.5% and funeral insurance at less than 0.3%. The extension problems faced by people without means to insurance are:
Product description: MóvelCare is an electronic micro-insurance platform that performs all the insurance administration functions. These include: adoption, administration, billing, notifications, referral, claiming, and after insurance sales services. It is used through mobile phones, without depending on the internet or a bank account to give basic and affordable insurance access to marginalised populations. MóvelCare makes insurance paperless, cashless, and timely. The Products Currently on offer are:
|Tauanda Chare||Florencia Massango||Osvaldo Cipriano|
Product Name: Tuma Transfers
With more than 200 million transactions annually, Instant money has become the preferred way for Southern African's to send money between each other because of it's convenience. With instant money, a person can send funds from their bank account straight to a persons phone number, instantly. Provided that their bank offers an instant money service - which all of the big Southern African banks do. FNB has eWallet, Standard Bank has Instant Money, ABSA has CashSend and Nedbank has SendImali.
The reciever of the instant money can then go and withdraw the funds from the senders' banks ATM.
I recieved my first instant money transfer in September 2019, before that I had used instant money to pay my maid and gardner their wages but I had never been on the receiving end before. My first expereince was both awkward and interesting... The awkward part was when I realized that I had to go to an ATM to withdraw the funds, and not just any ATM but the ATM of the bank of the sender. I always found that to be limiting...
My experience went from awkward to frustrating when I drove to a nearby ATM to withdraw the funds and found an ATM that was OUT OF SERVICE!! (This happens A LOT) At this stage I decided that I was not going to drive to another location to look for an ATM, instead I was just going to transfer the instant money funds to a bank account of mine. I naturally expected to be able to do this and I was very surprised when I learned that I could not do this...
At this point my experience went from awkward to frustrating, to interesting... These are active customers in South Africa's instant money ecosystem talking about their experiences with the various instant money products. These are:
Target market: There are more than 200 million instant money transactions worth over R240 billion annually in Southern Africa. All of the big banks in Southern Africa have instant money products and operate in the SADC regional, where their instant money products are also active. Tuma is the first-to-market with this type of service in the SADC instant money ecosystem. If just 1% of the 200 million annual instant money transactions are transferred to a bank account using Tuma at R10 per transfer, that is R20 million revenue for Tuma. This shows huge instant growth potential. Instant money is only going to get more and more popular. The end goal is to integrate with all banks with instant money products and scale with them across the SADC region. 4 out of 5 of SA’s big banks having instant money products which are operating outside of South Africa shows global scaling potential.
Product description: So we've built Tuma to meet instant money customers at the point of their needs. We always say that Tuma is complimentary to the various banks instant money products because we do not compete with them, we complete them. This is how Tuma works:
Product Name: Boloka
Problem Statement: The high minimum deposits that Banks and Mobile Money require, make it difficult for low income earning people to save and accumulate any (small amounts) amount they have. These groups of people find it difficult to time get small loans from banks and financial service providers.
Product description: BOLOKA is an eWallet banking system that allows users to save and accumulate the change they get at local stores when they make purchases. They can use their savings for later purchases, pay bills and fees, etc. Users can send their saving to others to redeem as cash or as a voucher to purchase goods or pay bills. Users can also have community savings for their community development. The system can also offer small, fast loans to individuals, based on their savings history.
|Lipholo Pheko||John Senekane Ralebitso||Mpolokeng Mary Mofana|
Product Name: Kalafi Digital Health Card
Problem Statement: Many public health organisations are still using paper-based outpatient health cards, which are easily lost, hard to update, and have no security. Although there are some private organisations that have their own way of storing medical data, it remains inaccessible to other healthcare providers, making it difficult to have consistent patient data across the board. Kalafi Digital Health Card aims to bridge communication between practitioners to enhance the quality of healthcare, digitise information to save paper, provide authorised access to complete medical records, and secure the storage of medical data.
Target market: Public Health providers, Pharmacists, Private Health Care Providers
Product description: Unlike paper documents that can easily be forged, smart health cards are tamper-proof, making them challenging to forge or unlawfully manipulate. The solution, an online platform for creating and updating medical records by authorised personnel, provides distributed access to medical data for practitioners and offers robust health care services to patients as they have real time secure access to their medical data on their mobile devices.
|Bamili Kuate||Katlego Moilwa||Tumisang Mogotsi|
Product Name: Online Clinic Yathu (OCLIYA)
Problem Statement: Late and poor access to quality health services due to high costs, long distances and insufficient health personnel.
Product description: Our solution is an online medical consultation (web and SMS technology) and home based services on a fast, convenient, and cost efficient ‘one stop shop’ platform that is:
|Emmanuel Chatina||Grace Mzumara||Joel Kalua||Juaoquinar Zulu||Kenneth Ngoma||Peter Mwamlima||Raphael Kazidule|
Product Name: Digital Dimond Secure Identification
Problem Statement: Many countries financial institutions struggle with Grey Listing/Blacklisting with KYC compliance, on a regional and global scale, in some cases damaging trade relations between economies. Repetitive, excessive form filling in form institution to institution, literacy and disabilities to complete forms on your behalf and general validation and verification.
List the problems we solve (in priority order):
Target market: The target market includes these three main organisational bodies:
Product description: A Free Online and Offline Instant Digital Identification Application (that doesn't need to be downloaded ‘No Space? No Problem!!’) and stores Valid User Data to enable the users to Rapidly Complete Log Book Registers, Forms, and KY C applications at the tap of a button, regardless of the user's location. Additionally, a six character users Digital Diamond Secure ID No. and QR Code is generated, which will toggle between a Verified and Unverified Secure Identity if users Address, Last Name, or Contact detail Changes. This DDSecurelD Number would now become the user's new digital identity, stored on a server with Bank Firewall and Database level security, users to their personal information enabling them to have all forms quickly filled in and automatically updated when the particulars of the user changes. This would then promote secure paperless and correct user information for KYC Compliance regulators. It would be convenient and easy to use, providing organisations, financial institutions, and telcos with reliable and accurate information, while cutting out user’s hassle of repetitively completing forms.
|Amaal Maatla||Gape Ontiretse||Mthabisi Bokete||Nimrod Kgosimore||Senwelo Modise||Tanisha Sinivassen||Vanessa Masupe|
Product Name: PayPlus
Problem Statement: Mobile money accounts have increased to 57% (sub- saharan) in the last decade. Their impact on new technology, such as e-commerce, is, however, still not fully centralised. On the other hand, Africa’s e-commerce and retail industries have been increasing steadyily, while the digital infrastructure is not supportive of this move.
Target Market: Students and working-class sub saharan individuals above the legal age of acquiring a mobile or bank account.
Product Description: PayPlus is an all-in-one app that integrates mobile and bank accounts for busy working sub-saharan person to make online and offline payments easier and more convenient.PayPlus is a secure multifactor authentication enabled application. The gateway creates a seamless shopping experience for online and physical shopping requirements, such as walk-in stores (POS), utility subscriptions, money transfers, and the sending and receiving of money. It is a money manager that enables users to easily send money transfer funds from one account to another. Users are kept informed of activity via the transaction manager, which keeps records of all the proceedings on the accounts.The SME is provided with an easy merchant integration for both e-commerce and retailers. The gateway has a built-in POS algorithm that is able to compute and manage on-point sales, simplified accounting, reporting, and inventory management.
|James Poda||Siame Mwenimpako||Gabriel Chileshe|
Product Name: PagaLu
Target market: PagaLu is currently primarily targeting our software to businesses that want to enter the digital e-commerce space as well as companies that want to collect payments virtually (using digital solutions)
Product description: PagaLu provides an integrated payment aggregator solution that:
|Fei Manheche||Ana Santos Manheche||Vasco Xavier||Obadias Pelembe||Calito Junior||Dulcidónia Ugembe|
Product Name: Smartaddress
Problem Statement: There are over 9 million rural residents who do no have access to basic services. This is due to them not having a valid physical address, which is depriving them of their rights to vote, human rights and economic participation. We are looking at rural residents and businesses that face this problem.
Target market: Rural residents – face a hard time obtaining a valid South African address and end up using the nearest store, school, or peri-urban address to access basic services and to vote.
Product description: Smartaddress.co.za is a mobile application that allows rural residents to obtain a valid physical address. They sign up using their personal details and get a unique address handle with a QR code. This also allows you to get a Proof of Residence, allowing you to access basic services and give directions to rural areas.
|Tumi Ngqondo||Sibusiso Nqgondo||Sfiso Dlamuka|
Product Name: All My Needs
Problem Statement: The majority of Basotho are not financially included and suffer as a result of problems related to lack of:
Target market: AllMyneeds targets mobile phone owners of all ages who are seeking jobs, need health services, financial services, pay bills, and users of Local ISPs.
Product description: The App/system solves financial inclusion problems by creating proximity of access to basic services for users/customers through their mobile phones acting as:
|Thuso Sehloho||Mpho Matla||Mapota Kalosane||Lehlohonolo Sehloho|
Product Name: MyHI
Problem Statement: In Tanzania, If your paper health insurance card is lost or forgotten, you cannot access healthcare services in hospital and usually it takes up to a month to renew/buy an insurance plan and get a new insurance card.
Target market: 50% of 13.2m population aged between 16 - 34years with access to the internet and smartphones in five years.
Product description: MyHI mobile app and system will enable people to choose an insurance plan to suit his/her budget and to purchase and use health insurance on a mobile phone. A digital card available in app will be used, instead of a paper card. We also provide other features to enhance customer experience and engagement with our app.
|Shilton Ulomi||Gideon Kiangu||Justine Shumbi|
Product Name: Lync Systems
Product description: This is a digital platform that allows institutions mandated to do KYC to digitise the KYC Process. Customers or clients are no longer required to go to the institutions and go through a paper-based KYC.
|Bahat Phiri||Hannan Salim||Yussuf Chimole||Francis Ganya|
Product Name: MoneyChaps
Problem Statement: The Low and Medium Income (LMI) segments, particularly women, are not able to manage their day to day financial needs and are finding it difficult to meet both their short and long term financial goals. The LMI women lack the means to face unexpected financial challenges. They also lack knowledge of basic financial products that could enable them to seize opportunities for more security and mobility in life.
Target market: Women Led MSMEs, Members of group savings, Youth and Informally employed Women in LMI
Product description: A mobile based data driven technology solution that enables users to manage their financial health by keeping track of their income, expense, and savings. It also offers tools that empower users to achieve their financial goals. Our Solution also enables the MSMEs to manage their businesses through a range of bookkeeping and accounting tools and services.
|Thabiso Mabaka||Priya Garg||Ravi Dwivedi||Baboloki Kojane|
Product name: VillageSavers
Problem Statement: The past few years have seen an increase in the informal small scale, community-based savings initiative named Village Banking. Village Banking is how many low-income communities have access to financial services. Research showed that there were over 20,000 groups with over 400,000 members in Zambia. In 2018 alone, they collectively saved over US$79 Million with interest of over 27.6%. While these are good statistics, Village Banks face many problems, such as:
Target Market: Our target market is the over 20,000 Village Banking groups in Zambia with over 400,000 members. We are also exploring the market in Botswana and have our partner on the ground doing market research. 80% of these groups are women.
Product Description: Our product helps village banking groups digitise their financial transactions (savings and loans) through our automated digital system that is easy to use, easy to access, anywhere, anytime, on any internet-enabled device. Our product helps Village Banks to:
|Moses Mwansa||Joshua Kosamu||Nzovwa Banda|
Product Name: SACOTECH
Problem Statement: Approximately 53% of adults who are saving, 32% of adults in the SADC, save through informal channels or at home. This is because formal institutions:
Target market: SACOTECH is targeting 1% of the SADC population that is saving through informal channels (1.1 million people) or at home. Of that target group, we will msinly be targeting women.
Product description: SACOTECH has adapted to local systems, such as group savings and microfinance, and is making these available, accessible, and affordable to all segments of the population. It is doing this through a simple financial system that will allow members of a SACCO to easily and safely save and invest their assets. SACOTECH also provides financial literacy tools and training for groups to improve their knowledge about money and master their finances. SACOTECH is a financial system that provides a safe place for groups to save and invest. The application allows savings groups to create their groups, record the savings group members make, record loans they take, and ensure transparency and easy record keeping. The application will also allow group member to link their savings accounts to a formal banking institution, thus allowing them to automatically allocate payments made directly to the bank account. It will also allow for online payments. However, to scale to the rest of SADC, a USSD version of the app will have to be developed.
|Nomuntu Ndhlovu||Noluthando Nzimande||Bhuyisonto Ndhlovu||Sbusiso Ngomane||Andile Magwaza||Koketso Mashego|
Product Name: Technomath
Problem Statement: Women, young and old over Southern Africa, Eastern and North all want their saving groups initiatives to operate smoothly and transparently so that they can meet their respective goals. But due to the fact that they require physical presence which is not always feasible, Financial mismanagement through poorly kept records and unprecedented risk of keeping large sums of money in their possession. This causes problems in establishing and running of saving groups.
Target market: Existing Local savings groups and industrial factory workers: In Lesotho there are already running savings groups usually formed by women within villages to address their various communal challenges but the problem is that they do not engage much with the financial institutions for keeping their fund which Lerits’oana aims to assist them on. Industry factory workers in small towns also have the tradition of starting small rotating groups to assist one another to achieve their financial goals but all this is done without a proper system of operating which is a challenge to the participants that a platform like lerits’oan will solve.
Product description: ”Lerits’oana” a mobile (both app and web based) platform which allows for peer to peer savings,tracking and management of savings and credit scoring without removing the social interactions of women. It records and keep data history of saving groups through which all the transactions are done with mobile money, removing frustrations all of one the member to hold huge sums of money
|Khauta Maliehe||Habofane Mangoene||Thabo Majoro||Thoola Shai||Setumo Semakela|
Product Name: LokoFin
Problem Statement: Informal savings groups have challenges with keeping accurate records, transparency and convenience, and access to credit. In an ideal situation, savings groups should be able to capture and record members’ details and transactions more efficiently, with real time control of contributions while offline. This solution should also provide linkage to financial service providers, such as credit, insurance, etc.
Target market: On average, a savings group has 30 members, and there are 300,000 savings groups in Tanzania. 350 million people in Africa are unbanked and process their transactions informally, such as through savings groups. On a global scale, 1.7 people are unbanked.
Product description: LokoFin is an offline-Savings Group platform for unbanked population. LokoFin uses artificial intelligence to deliver credit rating history and a market place for financial products to unbanked population without internet access.
COVID-19 poses crucial health and economic risks as markets falter, mobility is restricted, and community gathering is restrained. Savings Groups are overwhelmingly made up of women who are mostly small business owners and provide a critical engine for economic opportunity, source of social solidarity and safety net for many families in vulnerable situations. LokoFin leverages the power of mobile phones penetration and Mobile Money to create a financial profile and credit history that may be leveraged to access formal services. LokoFin operates offline and data flows link through USSD and SMS, making it accessible in low connectivity settings.
With limited physical meeting, members can still send their contributions through mobile money, receive confirmation of their transactions through SMS, giving them real time control over their contributions while maintaining trust and build financial profile for members.
|Stuwart Kitila||Timoth Mwaijande-|
Product Name: Bank M’nkhonde Mobile App
Problem Statement: People in rural areas generally have poor access to financial services, such as loans. Informal financial services offerings, such as village banking systems in rural areas, are essential to maintaining financial stability. However, the offerings are fairly simplistic and records are kept manually.
Target market: The target market is people in rural areas, where people are generally unbanked and underserved. Literacy levels are also likely to be lower and people mainly have access to feature phones, rather than smart phones.
Product description: Our services involve developing the bank m’nkhonde mobile app designed to digitise, simplify, automate, and organise the Bank m’nkhonde/ village Bank system, which in the eyes of a rural man plays a great role in their financial stability. The app is a digital platform for local monetary groups to be linked with banks and network providers. Some advantages of the app include: improved digitalised and record keeping, easy access to loans, and business consultations.
|Anannias Zulu||Tadala Mtimuni|