Context:
MTN wants to set up a payment ecosystem around the Zemidjans (moto-taxi drivers in Benin), using mobile money as a solution to the challenges they face:

Phase 1: Addressing security and liquidity issues with the implementation of merchant payment.

Phase 2: Addressing a lack of means to meet their ambitions with a digital group savings product (“tontine”).

Objectives: The general objective of this project is to increase the adoption of digital financial services by the Zemidjans.  The rationale is to make Zemidjans brand ambassadors promote the benefits of mobile money to the rest of the population. To this end, the project aims to develop merchant payment, testing different tools (NFC, QR code, Mobile App and USSD) and different value propositions for both merchants (Zems and Zems’ providers – i.e. gas stations) and end-clients.

Deliverables:

  • Conduct research to identify factors for adoption: Stakeholder interviews, HCD research with Zemidjans, merchants (gas station, food providers, mechanics, etc.) and Zems clients
  • Identify value propositions for all players within the ecosystem (Zems, merchants, clients)
  • Build a business case for each of the payment solutions (NFC, QR code, Mobile App and USSD)
  • Define a communication /education strategy to train Zems, clients and merchants on how the payment works
  • Train and support the Zemidjans to use the different solutions (NFC, QR code, USSD)
  • Test the solutions during a 6-months pilot
  • Share knowledge on learnings and findings through blogs and other materials (video, pictures).

Support MTN Benin to develop a payment ecosystem around moto-taxis drivers (Zemidjans)

MTN wants to set up a payment ecosystem around the Zemidjans (moto-taxi drivers in Benin), using mobile money as a solution to the challenges they face: Phase 1: Addressing security and liquidity issues with the implementation of merchant payment. Phase 2: Addressing a lack of means to meet their ambitions with a digital group savings product (“tontine”).

Leveraging Gender Balance for Zoona Malawi

Zoona and UNCDF MM4P intend to increase women’s livelihood, by increasing the number of women agents and tellers within the Malawian DFS Ecosystem. By doing so, UNCDF/ MM4P will also contribute to the increased percentage of Malawian women adults that are financially included, as women customers tend to be more comfortable approaching women agents and tellers.

Digital portfolio scan for financial sector clients

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Urwego Opportunity Bank (UOB) Branchless Banking (mHOSE) Evaluation – Rwanda

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In Lao PDR, UNCDF Making Access to Finance More Inclusive for Poor People (MAFIPP) is a UNCDF sector support programme in partnership with the Bank of Lao PDR (BOL) which seeks to improve access of poor rural households to a variety of financial services and markets, improving rural household incomes.

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World Vision Cash Transfer Strategy

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Study and recommendations for regulators to drive the digital transformation of microfinance in Africa

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Agent Network Management Training, Morocco

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Evaluation of an agent network in rural Senegal

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TA Digital Credit for Dairy & Agriculture microentrepreneurs

In the year 2018, Nepal transitioned to a late start-up stage with rapid expansion in the agent network, registered and active users and use-cases to drive digital payments. Leveraging the data on farmers’ income, their transaction history on the wallet and lastly the inwards remittance received by most farmers from relatives abroad or living in cities, UNCDF and Prabhu Pay designed and signed a project to extend digital credit to cooperative farmers.

BB Network Development for WMBL, PNG

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The development of training curricula based on the results of the study and the conduct of training sessions for trainers with WFP's operational partners (NGOs, etc.)

Implementation of airtime top-up services to pay for micro-insurance and micro-pension

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Digital Transformation of Microfinance and Digitization of Microfinance Services to Deepen Financial Inclusion in Africa

Understand the synergy between digital financial and microfinance institutions in providing access to finance to individuals and small businesses

Business Planning for the cooperation of SMT with Airtel Money in Sierra Leone

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Project Management Consultant Uganda

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ADB Financial Regulators Training Initiative FRTI

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Bangladesh Bank Regulator Training

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Mapping of Financial Inclusion and Recommendations to the Central Bank to Collect and Measure Financial Inclusion in Haiti

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Program Evaluation Wizzit expansion in Southern Africa and capacity building

The WIZZIT program aims to provide access to low-cost financial services through the use of mobile technology.

Explore the use of Airtime top-up services to pay for micro-insurance and micro-pension

In 2017, the Solomon Islands National Provident Fund (SINPF), with support from PFIP, piloted a retirement savings product for the informal sector. One of the pilot recommendations was a call to utilise cost-effective digital delivery channels to allow for direct remittance of savings into SINPF. Because of the inefficiencies and a lack of reach into the rural areas by existing digital payment channels, the option to use airtime was recommended.

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