Celpay

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Payments in a Time of War
Miyanda Mulambo miyanda.mulambo_at_celpay.com www.zm.
celpay.com
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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 / 30 000 soldiers
  - USD 22.5m

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Business Model
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Celpay Solutions

• CORPORATE
• B2B Cash Collection
• Rural Cash Collection
• Cash Agent Network

• RETAIL
• 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

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The Celpay Conader Project in DRC
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Celpay Conader Project

• 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
• Development Implementation of the Conader
  application
• 110 payments to Ex Combatant as incentive
• 25 monthly payments to help start new lives.

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Celpay Conader Project
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Advantages of the Solution

• 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

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Challenges
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Other Applications of the Conader Solution

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