The Challenge:

A Fragmented Financial Landscape

Somaliland, despite its vibrant culture and resilient people, faced significant challenges in its financial system:
Limited Access to Financial Services: A large portion of the population, particularly in rural areas, lacked access to traditional banking services.
Inefficient Payment Systems: Traditional methods of money transfer were often slow, costly, and unreliable.
Security Concerns: The lack of secure digital infrastructure hindered the adoption of digital financial services.

The Solution:

mobiquity® Pay Super App

To address these challenges, mobiquity® Pay, in collaboration with Comviva, developed a comprehensive Super App. This powerful platform offers a wide range of financial services, including:

• Money Transfer: Seamless domestic and international money transfers, enabling families to support each other across borders.
• Mobile Money: Secure digital wallets for storing and managing funds.
• Bill Payments: Convenient payment of utility bills, reducing time and effort.
• Merchant Payments: Facilitating digital transactions for businesses, boosting economic activity.
• Loans and Insurance: Access to affordable financial products to meet various needs.

The Impact:

A Digital Transformation

The deployment of the mobiquity® Pay Super App has had a profound impact on Somaliland:
Financial Inclusion: Over 5 million subscribers now have access to essential financial services, previously out of reach for many.
Economic Growth: The app has stimulated economic activity by enabling efficient transactions and facilitating digital commerce.
Social Empowerment: By providing women with access to financial services, the app has empowered them to participate more actively in the economy.
Enhanced Security: The app utilizes advanced security measures to protect user data and funds.

Quantifying the Impact:

Daily Transactions: A staggering 530,000 transactions are processed daily across North and South Somaliland, showcasing the app ‘spopularity and efficiency.

Cross-Border Interoperability: The app has facilitated seamless fund transfers between North and South Somaliland, promoting economic unity and simplifying regional transactions.

Customer Satisfaction: The app ‘suser-friendly interface and reliable services have led to high customer satisfaction and loyalty.

A Decade-Long Partnership
Comviva ‘sdecade-long collaboration with mobiquity® Pay is a testament to the power of technology and innovation. By leveraging its expertise in mobile financial services, Comviva has played a pivotal role in transforming Somaliland ‘sfinancial landscape.

Conclusion:

A Brighter Future

The mobiquity® Pay Super App is more than just a technological innovation; it ‘sa catalyst for social and economic progress. By empowering millions of Somalilanders, the app is shaping a brighter future, one transaction at a time. As Somaliland continues its journey towards a digital economy, the mobiquity® Pay Super App will remain at the forefront, driving financial inclusion and prosperity for all.

How MCP SCANNER 4.0 Drives Innovation in Mobile Payments

1. Bridging Compliance and Commerce:
MCP SCANNER 4.0 is uniquely positioned to ensure regulatory compliance while driving commercial success. With a dedicated compliance reporting tab and enhanced compliance monitoring capabilities, it provides clear, actionable insights that help mitigate risks associated with non-compliant advertising and fraudulent activities. By safeguarding users and ensuring a clean ecosystem, MCP SCANNER enables sustainable use of mobile payment methods.

2. Providing Actionable Market Intelligence:
MCP SCANNER 4.0 introduces the new TRENDS Intel feature, which delivers key market insights at a glance. Stakeholders can access detailed intelligence on advertising market share, top-performing services, and the most effective digital service categories across key markets. This feature helps businesses understand which applications and services are converting consumers and which price points and payment flows are driving the highest revenue, enabling smarter, data-driven decisions.

3. Optimising Revenue through Performance Insights:
Enhanced filtering and the ability to drill down the data to get even more detailed insights, allows users to quickly analyse and compare ad campaign performance, helping businesses identify and replicate successful strategies. By enabling granular data visualisations across various metrics, MCP SCANNER 4.0 supports revenue optimisation for all parties in the mobile payment value chain.

Showcasing Usability

MCP SCANNER 4.0’ss intuitive design is built with the user in mind. The redesigned interface streamlines navigation, making it easier for users to access the insights that matter most, whether they are familiar with the platform or first-time users. Enhanced filtering options allow stakeholders to zero in on specific data, enabling them to make faster and more informed decisions. Combined with speed improvements, the tool delivers a seamless, efficient experience, ensuring that critical insights are never delayed.

Enhanced Fraud Reporting

Security is a top priority in mobile payments, and MCP SCANNER 4.0 now provides data on payment fraud attack vectors, helping users monitor app malware, content locking, clickjacking, auto-subscription, and other fraudulent issues. These features provide users with greater visibility over the fraud landscape, enabling them to proactively identify risks, implement robust anti-fraud measures, and safeguard both consumers and their business operations from reputational damage and regulatory penalties.

Driving Sustainable Growth in Mobile Payments

By providing critical insights into market intel, popular price points and payment flows that drive conversions, MCP SCANNER 4.0 empowers stakeholders to optimise their offerings and maximise revenue. The platform helps mobile network operators, payment aggregators, and digital merchants to not only grow their direct carrier billing (DCB) and Premium SMS revenue but to do so sustainably, ensuring long-term viability of phone-paid payment methods in global markets.

Why MCP SCANNER 4.0 Deserves Recognition

MCP SCANNER 4.0 supports the commercial and payment activities of MCP’ss clients. It’ss more than a technical solution – it provides a comprehensive platform that connects compliance, ad performance, payments, and growth on a scale. By providing critical market intelligence, compliance monitoring, and in-depth data analytics through meaningful visualisations, MCP SCANNER 4.0 empowers the entire value chain to thrive in a fast-paced, competitive environment. With its powerful new features and functionality, it exemplifies innovation in both usability and safeguarding mobile payment ecosystems.

We believe MCP SCANNER 4.0 is a compelling contender for this award because it enables the mobile payments ecosystem to drive sustainable revenue through compliant use of DCB and PSMS, with the assurance of a transparent eco-system that provides marketing activity visibility for a de-risked and robust payments landscape.

Our platform provides a comprehensive fintech solution, from monetizing online transactions to equipping merchants with essential reporting, seamless reconciliation, efficient refunds, and timely settlements.

• Gaming: Empowering the Youth: tpay revolutionizes accessibility for gamers—many of whom lack credit cards—by enabling secure, intuitive payments through mobile numbers. This approach protects sensitive information and simplifies in-game purchases, offering a safe and convenient alternative for families.
• Real-Life Services: Expanding Digital Access: tpay has made it possible to pay for essential services like football tickets, food delivery, transportation, and insurance via Direct Carrier Billing (DCB) an option that was previously unavailable. The innovation lies in overcoming challenges like settlement terms and revenue share models, which had initially made such payments unfeasible. The need for an alternative payment method to reach unbanked populations drove tpay to pioneer this solution, making online payments accessible to underserved communities.
• Open Banking Embracing the Future: tpay introduced open banking in Turkey as a new payment method for digital service providers, addressing gaps identified while enabling bank transfers. Previously, bank transfers were conducted offline, presenting some failures probabilities on completing the payment transactions successfully. Open banking brings the same logic online, making transactions more convenient, secure, and compliant. This innovation streamlines the process, offering users the ability to make direct payments using their mobile phone, from their bank accounts without relying on credit cards.
• Driving Financial Inclusion: Our vision goes beyond payments we empower the unconnected to participate in the digital economy by enabling secure, reliable online micropayments to unlock access to digital services.
• Innovative Security: with robust fraud detection and end-to-end encryption, tpay sets a new standard for safeguarding transactions, earning the trust of merchants and users alike.

Our Values in Action:

• Merchant-Centric: We prioritize our partners’s success is our priority, and continuously innovate to meet their needs.
• Pioneering Innovation: Staying ahead of industry trends, we redefine what’ss possible in mobile payments.
• Unwavering Excellence: From integration to customer support, we uphold the highest standards.
• Trust First: By prioritizing secure and compliant payments, we empower businesses with confidence and reliability.

tpay is more than a payment gateway; we are a catalyst for digital inclusion and economic growth. Whether enabling teenagers to game securely, simplifying real-life service payments, or pioneering open banking, tpay continues to redefine mobile payment services in META with every transaction.

More than just a monetization platform, MobiBox is a centralized marketplace that connects content providers, media buyers, telcos, and investors to scale, monetize, and grow opportunities. 

For Telcos:
Access Tier-1 brands and deliver value-added services to boost customer satisfaction and increase revenue. 

For Brands:
Connect with payment gateways like telcos to increase successful payments and attract more users through a network of trusted traffic partners.

For Investors:
New opportunities through a value chain offering business growth and better ROI.

Here’s what Mobibox brings to the table:

• SDK / API tools for single, smooth, and fast integrations. 
• Multiple monetization methods cater to diverse preferences, including DCB, digital wallets, and credit card payments.
• New audience reach through expanded access to untapped audiences.
• AI-powered marketing tools reducing user acquisition cost and providing access to 100+ connected traffic partners running campaigns to boost performance.
• Live performance tracking to monitor the performance of the services through a dashboard with actionable insights.

– A powerful Dashboard to with comprehensive KPIs and filter to follow the business.
– Full Merchant onboarding, compliance check, and Lifecycle Management.
– The power of Data to monitor, analyze and optimize the business.
– Operating local currencies.
– Cross-Border payment and invoice management.
– Engagement and User Acquisition with Digital Marketing.
– Cultural, Technical and Legal Localization.
– Fraud Management thanks to Robust Anti-Fraud Solutions.
– Customer Care & E-Reputation.
– Customer Satisfaction on all steps of the user journey.
– The support of Local Teams and in particular PMO Teams in more than 25 countries, expert of their geographical footprint.

For Telcos:
An innovative Direct Carrier Billing payment platform. A solution to the difficulty of addressing multiple Merchants. With just one connection via API, Carriers can have access to the entire Merchant portfolio. With a dedicated Merchant Onboarding module, DV Pass helps Telcos automate the time-consuming process of ensuring merchants’s compliance to local regulations and facilitating their integration to the platform. DV Pass expands their revenue and manages all the technical, commercial, and relational aspects.

For Merchants:
A Direct Connection to Telcos Worldwide. Optimization of DCB’ss integration by considering the Merchants’s global needs associated to local adaptation. Connection to more than 150 Carriers in the world.

• Unparalleled scale: Serving over 8.3 million daily commuters across five major Indian cities Mumbai, Delhi, Nagpur, Pune, and Hyderabad. Route Mobile is the largest WhatsApp ticketing enabler in India. With its recent launch of WhatsApp ticketing for MRT Jakarta in Indonesia, Route Mobile now supports metro ticketing for 470 stations and 34 metro lines across India and Indonesia.
• Efficient payment process: Payments are integrated directly into WhatsApp, ensuring a fast, secure, and user-friendly transaction experience without the need for external apps or websites.
• Security-first approach: Built on WhatsApp’s trusted ecosystem, the solution ensures secure payments and ticketing transactions, addressing the dual priorities of convenience and data protection.
• Highest market share: Route Mobile has the market share of payments-on-WhatsApp in India

This innovative service enhances commuter convenience, reduces ticketing bottlenecks, and demonstrates how conversational commerce can revolutionise urban mobility. By integrating usability and security seamlessly, Route Mobile’s solution sets a benchmark for the future of mobile payments.

This is how it works.

• No need for a third-party app: Book tickets directly using the native messaging app on their Android devices (coming soon on iOS18), eliminating the need for additional apps.
• Secure payments: Complete transactions within the RCS chat using options like UPI, cards, wallets, and Internet banking, ensuring a safe and efficient payment process.
• Seamless access: Store e-tickets in Google Wallet for easy retrieval and use during travel.
• By leveraging RCS technology, Route Mobile delivers a scalable and inclusive solution, simplifying daily travel for lakhs of commuters while showcasing the power of digital communication to enhance community convenience and connectivity.