Payments in a Time of War Miyanda Mulambo

Celpay International BV ► WHO IS CELPAY? Mobile & Internet banking, payments solution provider CIBV subsidiaries: CRDC; CTL; CZL, CKL & CZIML ► WHAT DOES CELPAY DO? Services include G2P; B2B; C2B; C2C Service provision based on GSM and internet technology Model based on cooperation & partnerships ► CELPAY TOMBSTONE? Wall Street Journal Europe Award 2003 World Bank: Profitable in 2007 World Bank: Conader Project Phase I (2004) & II (2009) 75,000 soldiers - USD45m / soldiers - USD 22.5m

Point of Sale Internet Mobile Phone Corporates & Merchants Agents Banks ISP MNO Govt., Donors, NGO Payment Solutions Retail Payment Solutions Corporate Payment Solutions Channels Partners Services Partners Business Model

CORPORATE B2B Cash Collection Rural Cash Collection Cash Agent NetworkCORPORATE B2B Cash Collection Rural Cash Collection Cash Agent NetworkRETAIL Bill Payments Bank Channel Mgt Airtime Fuel Card Top Ups Money Transfer Branchless BankingRETAIL Bill Payments Bank Channel Mgt Airtime Fuel Card Top Ups Money Transfer Branchless Banking GOVT, DONORS, NGOs Demobilisation Revenue Collection Social Cash Transfers Food Rations Salary Payments Pension Payments GOVT, DONORS, NGOs Demobilisation Revenue Collection Social Cash Transfers Food Rations Salary Payments Pension Payments Celpay Solutions

The Celpay Conader Project in DRC

$4.7 mil contract with Conader, the DRC Agency for (Disarmament, Demobilization, Reintegration) in 2005 Funded by World Bank & international donor community Celpay as payment platform to pay out $45m in cash to 75k demobilized combatants 3 phase projects: 1.Development & Implementation of the Conader application 2.$ 110 payments to Ex Combatant as incentive 3.$25 monthly payments to help start new lives. Celpay Conader Project

Best for unbanked populace Best for people without access to mobile phones Helps Small businesses Better suited for less educated people Little training required for beneficiaries Significantly reduces administrative and logistical costs for organisations disbursing grants Provides excellent reporting, reconciliation and audit trails of all transactions Advantages of the Solution

Challenges Cash Agent LiquiditySetting upCredibility OTHER Different interests from Stakeholders infrastructure No past learnings Education Levels of former combatants

Social Cash Transfers Provision of Food Rations for Vulnerable Households - People on HIV/TB treatment Loan disbursements Payments to Small Scale Farmers Pension Payments Other Applications of the Conader Solution