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Technology Fair


A growing range of technologies are transforming the landscape for Savings Groups – and sector stakeholders. These solutions include digital training tools, management information systems, monitoring and results measurement instruments, digital record-keeping tools, electronic payments, and Digital Savings Group applications. 

Collectively, these tools have the potential to improve the efficiency and effectiveness of group mobilization and training, the quality of Savings Group operations, and access to information and complementary services by Savings Groups.  

However, uptake remains low: information about available offerings is not easily accessible to potential users; the ability of technology service providers to reach potential users is limited; and a lack of understanding of the potential benefits, requirements and risks associated with specific technologies restricts their effective adoption. 

Through product demonstrations, user testing and structured networking, the purpose of the Savings Groups Technology Fair is to facilitate relationships between technology service providers and potential users, and accelerate the uptake of appropriate technologies. The event – hosted by the SEEP Network in partnership with FSD Africa on March 11, within the upcoming edition of the Global Savings Groups Conference  will feature the leading and emerging technologies in the sector, and include 400 participants from 50 countries.


Hosted by the SEEP Network in Partnership with FSD Africa 






Angle Dimension

Angle Dimension is a technology startup firm from Malawi using the latest technology to address financial inclusion challenges and payment solutions. The firm enables easier access to financial services for the unbanked by engaging technologies like USSD and WhatsApp. The Khusa platform, in particular, simplifies the digitization of Savings Groups and linkages with financial service providers, helping to foster a cashless society and community empowerment.




BezoMoney is a digital savings platform for informal and semi-formal savings schemes, especially Savings Groups. We help people save and give them access to credit based on savings history. Our system is built on USSD (Unstructured Supplementary Service Data) which works on any phone and does not require internet connectivity. The platform is targeted at market traders (mostly women), commercial drivers and farmers.

We mostly provide microloans for inventory purchases and for the payment of school fees by partnering with retailers, schools, financial institutions, development agencies and mobile money providers.




Chomoka is a smartphone-supported tool offering Savings Groups – and women in particular – a low risk entry point into the digital economy.

With Chomoka, groups can more effectively and transparently manage their transactions, while establishing financial histories and connections that open a world of new opportunities. What makes Chomoka unique in the field is that all records are safely backed up without the need for internet connectivity. A parallel Chomoka Marketplace allows groups and members to view and instantly apply for financial services from partner banks, and other products and services. Leveraging digital records, credit scores can be calculated for groups, which will lower their risk profile and encourage banks to offer them credit or insurance products.

Chomoka is a social enterprise currently incubated within CARE USA, underpinning the sustainability and potential scale of its offering.



DreamStart Labs

DreamStart Labs is a market-leading social impact FinTech that helps people in the developing world achieve their dreams of a better life. Our founders spent more than 20 years in Silicon Valley building world-class commercial products and companies, and also ran a successful microfinance bank in Africa. Our passion is to bring the innovation of Silicon Valley to the world of global poverty alleviation with unparalleled excellence, impact, and scale.

Our award-winning DreamSave app is the fast, fun, easy way to manage Savings Groups. DreamSave makes it easy to conduct transactions, achieve financial goals, build credit history, and connect to financial services. It works entirely offline and backs up data automatically whenever a network connection is available through our innovative DreamSync technology. Members receive personalized meeting summaries and transaction receipts for full transparency. Groups can also connect to a range of offerings through our DreamSave Marketplace. Data from groups is collected automatically by our powerful DreamSave Insights data analytics solution.

DreamSave is available in multiple languages and countries throughout Africa and Asia. 



Emergent Payments

Emergent Payments (EP) is a payment facilitator for large-scale digital merchants expanding into emerging markets. For the last five years, EP has connected financial institutions, businesses and government agencies (digital merchants) to payment systems, allowing them to offer more client services. Clients can leverage technology – such as Maximus – to make payments, access cash, transfer funds and apply for loans.

Maximus brings formal financial services to people in peri-urban and rural areas previously unable to access them. Free-to-use, this mobile money-based group funding and savings platform interacts with all mobile money platforms operating in Ghana, thus improving transactional efficiency. Maximus thus allows users of informal savings mechanisms, including individual savers and Savings Groups, to access financial services from Financial Service Providers including commercial banks, rural & community banks, savings & loans companies, microfinance companies, and financial NGOs.




Exuus Ltd is a FinTech Startup based and incorporated in Rwanda whose vision is to inspire resilience and enable communities to achieve their optimal satisfaction by positively impacting the future.
We plan to achieve our vision by creating products that are ideal in every possible way, products that are easy to use, cost-effective and powerful.

Our Flagship product is called SAVE – A digital platform that financially empowers Saving Groups sustainably with a collective and decentralized ledger. SAVE brings both efficiency and simplicity managing Saving Groups operations.




hiveonline's eArziki platform enables Savings Groups to grow their wealth and reputation beyond their local community through digitization of transactions and finances.

Members of VSLA groups can access their group finances on both feature and smartphones while building a financial reputation (an alternative credit score) from their meeting attendance, savings and loan payments. Data can be optionally shared with MFIs, banks or NGOs to access additional investment and support.

The eArziki backend is powered by Stellar blockchain technology to provide secure, tamper-proof records for Savings Groups. The lightweight progressive web app front-end, designed and tested for least-developed communities, enables access on any connected device with a browser.

eArziki is currently in pilot with CARE International in Niger and will evolve from a digital accounting platform to a low-cost, regulated eMoney ecosystem, decoupling dependencies on expensive mobile money, to allow members to save, transact and borrow without the risks of cash.




Jamiipay is a cloud-based platform that allows Savings Groups to digitalize their activities, using a free and user-friendly mobile application built in collaboration with over 400 women in Savings Groups in four African countries and NGOs.

Saving Groups using Jamiipay have access to their data any time using any smart device and receive a status SMS (coming soon) after each meeting. Similarly, supporting NGOs have free access to monthly status report on Savings Groups and access to live group data in a user-friendly dashboard for monitoring your group and agent activities. Jamiipay Premium for NGOs offers even deeper insights into Saving Group and agent performance, allowing for comparable quality alignment, early intervention, and heightened donor reporting.

Jamiipay collaborates with financial service providers to link Savings Groups to savings accounts, collateral-free group loans and more. We also support our partner NGOs in promoting digital literacy through online video guides, tutorials and offline teaching material. Our aim is to remain in close collaboration with the women in our Savings Groups and staff across 23 partner NGOs, to ensure that our service is based on real user needs, is compatible within their contexts, and that creates new and lasting value.
Jamiipay is – and will continue to be – free to use for Savings Groups. Our revenue stems from the financial institutions, to whom we offer a new and revolutionary method of credit assessment. Developed in collaboration with The Technical University of Denmark (DTU) and the International School of Business in Denmark (CBS), this method ensures a minimized risk for the loan provider offering loans to Savings Groups.




Grameen Foundation is a global nonprofit whose mission is to enable the poor, especially women, to end poverty and hunger.

Grameen supports Savings Group facilitating organizations and financial institutions seeking to link to rural community members through its groundbreaking LedgerLink solution. LedgerLink is a fully functional digital Savings Group platform that enables Savings Groups to digitally record and automatically calculate common transactions, as well as link to formal financial services via a smartphone-based application. Developed in 2012 using human-centered design, LedgerLink was piloted with Barclays Bank and is now being used to link South Sudanese refugees to formal credit in Uganda.


1) Reduces recordkeeping errors and group conflict by automatically calculating difficult loan repayment and share-out transactions;
2) Establishes alternative credit history for borrowers without formal credit histories, enabling them to link to formal financial institutions
3) Is available in multiple languages and is integrated with a video-based training curriculum





L-IFT specializes in financial diaries research. In 2018, L-IFT created Finbit, a technology system consisting of an android application, data portal  and tracking platform.

The application allows individuals to track their financial behavior through automatic analysis, get reminders about upcoming financial responsibilities and apply for loans. Organizations can interact with Finbit users through the portal and dashboard. This will be used for monitoring projects and impact measurement.

Finbit is used by Savings Group members to help them understand the benefits of their SG participation and remind them about loan-repayments and savings obligations. Finbit wants to offer Finbit-for-Savings-Groups shortly. Visitors at the fair can see and use the technology, learn how it can help their organization and become part of the development of "Finbit-for-Savings-Groups."




M-Xitique is a digital financial platform for managing informal Savings Groups.

M-Xitique provides Savings Groups with a convenient way to manage their payments, transactions records instead of using other traditional methods, such as physical money, noting the transactions in the notebooks and use of homemade safes.

For Savings Groups, we provide a mobile application allowing members to make digital payments and withdraws through any mobile banking service and/or agents associated with M-Xitique. The member can also track the group account balance and payment records, consult the next participant to receive the savings of the round, with all transactions notified in real time by SMS, thus ensuring better control and efficiency in the management of the Savings Group.

Creating an account on M-Xitique is free and relatively easy. Our revenue is ultimately generated from transactions fees, as customers are charged a small percentage for all successful payments.




Pact is a nonprofit international development organization founded in 1971, working in nearly 40 countries to improve the lives of those who are challenged by poverty and marginalization. We strive for a world where all people are heard, capable and vibrant.

WORTH is Pact's micro-banking program that brings community members together, empowering them to overcome obstacles and achieve their vision. Unique in integrating literacy training, community banking, and microenterprise development, it enables people to not only increase their income and start businesses, but to become activists, entrepreneurs, and leaders who bring about change in their communities. Pact has developed the myWORTH Android app to automate the accounting activities, creating a mobile e-ledger that increases efficiency, effectiveness, and data quality. Meetings can be spent focusing on building cohesion, skills and most importantly, their savings. The myWORTH app is evolving into a platform that links users to eLearning and formal financial services.





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