How can businesses benefit from the Mobile Payments Revolution in Zimbabwe, and what is the future like for those who want to venture into the mobile payments landscape. Evolys Digital

1. Evolys Digital is changing the way we do business in Zimbabwe for the better. Already their clients are
benefiting fro m their wealth of knowledge in deploying mobility solutions for businesses big and small.
Whether its mobile aggregation services USSD, Bulk SMS and mobile marketing, or mobile apps (android,
iOS, Blackberry) Evolys Digital is the best company in Zimbabwe to deploy such services at the least
possible cost to your business. They add value to business in Zimbabwe. Evolys Business. doing
business better
Mobile Payments in Zimbabwe :
Consumer perspectives &
Growth opportunities

2. This document allows you to see the
potential and opportunities that exist
in the mobile payments space in Zim-
babwe, and its effect on emerging
businesses and existing ones. It illus-
trates how the biggest influencer in
technology and mobile payments are
changing and shaping the mobility eco-
system in Zimbabwe and beyond.
doing business better
Why You Should Read This Document

3. Evolys Digital is changing the way we do business in Zimbabwe for the better. Already their clients are
benefiting fro m their wealth of knowledge in deploying mobility solutions for businesses big and small.
Whether its mobile aggregation services USSD, Bulk SMS and mobile marketing, or mobile apps (android,
iOS, Blackberry) Evolys Digital is the best company in Zimbabwe to deploy such services at the least
possible cost to your business. They add value to business in Zimbabwe. Evolys Business. doing
business better
Contents
Introduc on....................................................4
Mobile Money Transfers................................5
Mobile Money Gaining Momentum...............6
At a Glance.....................................................7
Zimbabwe by 2020........................................8
M- Co erce.................................................9
Remi ance Poten al in Zimbabwe................10
Where to go next?.......................................14
Open Money.................................................15

4. Evolys digital is changing the way people send, spend and receive money in Zimbabwe. It is the next generation in digital technology with services such as Evolys Digital, Evolys Business and Evolys Payments (Swypeup Register) are changing businesses all over Zimbabwe. Now we can safely say goodbye to Ecocash, Telecash and The ATM
Introduction
Money has been a central part of society for as long as we've had
societies. It has connected cities, countries, cultures and people
Until now, money has been about dollars and rands, yens and
euros, a physical method of exchange. But thanks to mobile tech-
nology the way we send, spend and receive money is changing fast,
mobile payments are gaining momentum and the benefits are clear,
the potential too.
Yet today more than three quarters of all payments in Zimbabwe are
still made in cash.
Services such as Ecocash (Econet), OneWallet (NetOne), Telecash
(Telecel), Nettcash and Swypeup have received popular appeal from
the public as they control over 60% of the mobile wallets active sub-
scribers.
Already, there are over 5 million users of m-payments in Zimbabwe
and the possibilities are endless.
The Evolys Business
Maurine Munyavi
Head of Business Developments
Creating an
Open Money
Society
Bringing finance and telecom together
to empower people and businesses
everywhere.
4

5. doing business better
5
active

6. doing business better
The total value of transfers and transactions on mobile money ser-
vices in Zimbabwe which include (Ecocash, Swypeup, Nettcash,
OneWallet and Telecash), increased by close to 36 percent to US-
D$403 million from USD$296 million recorded in the previous quar-
ter.
This increase has been caused by an increase in affordable phones
that now cost as little as USD$10. Which in turn raised the mobile
active subscribers from 11,1 million active subscribers to 11,4 million
subscribers.
The increase in mobile money transfer subscriptions for the period
under review increased by close to 5 million subscribers as the
number of agents for the period increased by a record 4 181 as
mobile operators sought to increase their distribution networks for the
mobile money services.
6
Mobile money transfers up by 36%
$86.65
103.79
$165.87
$296.42
$403.76
September January September January September
2012 2013 2014
MOBILE MONEY TRANSFERS IN ZIMBABWE
1598
2072
2809
3569
4181
September January September January September
2012 2013 2014
MOBILE MONEY AGENTS

7. doing business better
Mobile Money
is gaining momentum
* GSMA MMU Mobile Money Tracker 25th March 2014
** Source: GSMA MMU State of the Industry Report 2013
228*
4,9M**
Registered Accounts
~6M*
Active users by
June 2016–
day period
225*
Live deployments
in emerging
markets August
2015
3**
Deployments have
more than 1M active
mobile money users
14
Of deployments
are by Banks

8. 4,9M
11,4Mmobile phone users in
the Zimbabwe
mobile money accounts
7,8Mpeople lack bank
accounts in Zimbabwe
50Mreal-time transactions
handled per day

9. Zimbabwe
By 2020…
17 M
Smartphone
Subscriptions
30 M
Mobile Subscriptions
X 20
Mobile Data
Traffic growth
16 M
Mobile
Broadband
Subscriptions Source: Evolys Digital Mobility Report, 2014

10. doing business better
-03-25 | Page 2
-
M -commerce
more than payments
Orientation
M-commerce services
Financial services
Payment services
Choose and
purchase
Finance and pay
Get started, use
and consume
Service and
relationship
› Advertisements
› Promotions
› Aggregate/resell
› Shopping carts/tools
› P2P
› P2B
› B2P
› B2B
› Accounts
› Cash handling
› Savings
› Loans
› Insurances
› Information services
› Other financial services
e.g. investment products
and foreign exchange
› Digital commerce services must support users’ “channel-hopping” throughout their shopping journey
› Payment services feature in the intersection between m-commerce and financial services
› Delivery and
pick up services
› Tickets
› Receipts
› Loyalty programs/
rewards
M-commerce services

11. Mobile reduces cost to
serve customers
MOBILE ECONOMICS ACCESS TO NEW CUSTOMERSENABLES

12. Market Regulatory
variations
WALLET
PLATFOR
M
› Bank dominance and
exclusivity
› Driven by risk mitigation
and reluctance to engage
“unfamiliar” partners
› Single point of regulatory
oversight
› Control and ownership of
enabling infrastructure
WALLET
PLATFOR
M
› Effective “marriage” of the
telco and bank
› Imaginative regulatory
solution
› Full participation by
stakeholders
› Supports the social
financial inclusion agenda
WALLET
PLATFOR
M
› New players, new risks,
new experiences
› Knowledge of customer
sector and needs
› Passion to diversify and
drive sector
› Positioned to “win”
BANK LED
MODEL
MNO LED
MODEL
AGENT BANKING
MODEL

13. Remittance opportunity
› Inflows coming into
Zimbabwe
› Pan-Africa estimated
to be large
› Price levels vary
$91M
Source: Evolys Business Consulting
5-25%
Slide t
44
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Do not add objects

14. Where do we go next?
Transfer Store Grow
Capture daily
retail spend
Bring local
context
Inter-
operability

15. It’s time
for Money
to Change
When money is open, the way
we send, spend, and receive
money will change forever.

17. All rights reserved
Evolys Business Solu ons
email: business@evolysbusiness.com
web: www.evolysbusiness.com
twi er: www.twi er.com/evolysdigital
faceb k: www.faceb k.com/evolysdigital