Website: www.offgrid-electric.com
Founded: 2012
Industry: PAYGo Solar
CEO: Xavier Helgesen, CEO & Co-founder

Company Overview

Off-Grid:Electric (OGE), is a Tanzanian PAYGo Solar enterprise, which provides home solar systems,  which can be paid for using mobile money.

Project Overview: Modern, Data-driven Channels

In extending financial services to low-income customers, our engagement with OGE is focused on developing the foundational data analytics modules to improve customer segmentation and payment behavior, predicting and reducing churn, and understanding customer lifetime value. The data models are being built on top of OGE’s existing technologies and databases capturing data from the company’s 170,000+ active PAYGO customers across Tanzania, Ivory Coast and Rwanda.

These tools will provide OGE’s management and operational team transparency into the performance of the PAYGO assets and customer behavior, as well as an ability to take targeted actions based on predictions made by the models.

FIBR will work with OGE’s operations teams to execute pilots and sales experiments to field-test optimized product offerings, incentives, and interventions. We will also track the results of these interventions and demonstrate their impact and financial effectiveness through a comprehensive costing analysis.

About the Project:

  • FIBR Touch point: Sales agent network
  • Indirectly included customers: End-consumers
  • Timeline: May 2017 to November 2017
  • Status: In progress
  • Geography: Tanzania, Ivory Coast and Rwanda

Website:  www.pegafrica.com/
Founded: 2014
Industry: PAYGo Solar
CEO: Hugh Whalan

Company Overview

PEG Africa, is a PAYGo Solar enterprise with operations in Ghana and Ivory Coast. The company provides home solar kits and accessories, which are financed using short-term leases and paid for using mobile money.

Project Overview: Improving Agent Networks

One of FIBR’s main learning questions is the effectiveness of digitized businesses, such as a network of agents to connect low-income customers to more appropriate and flexible financial services.

Our engagement with PEG Africa focuses on the development of technologies and tools to improve the effectiveness of PEG’s sales agent network.  Our advisory work includes agent research to better understand the agent journey by looking at technology requirements; designing and prototyping a sales agent smartphone app; incentivizing agents to pick good customers through the use of new tools and methods; following up on non-payment; and boosting income to improve retention. The FIBR team of customer research and design experts are also working with PEG AFrica to design and roll out a pilot to test a mobile money super agent model, whereby the PAYGo solar agent can offer mobile money services.

About the Project:

  • FIBR Touch point: Sales agent network
  • Indirectly included customers: End-consumers
  • Timeline: August 2017 - February 2018
  • Status: In progress
  • Geography: Ghana and Ivory Coast
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Website: www.sokowatch.com/
Founded: 2016
Industry: Logistics and Supply Chain
CEO: Daniel Yu

Company Overview

Sokowatch provides multinational companies with a data-driven and on-demand distribution network focused on the informal retail sector of emerging markets. Through individual sales & delivery agents equipped with proprietary mobile-based inventory management tools, Sokowatch dramatically increases sales and market coverage for companies in emerging markets.

Project Overview: On-demand ordering & delivery for small retailers in East Africa

The foundation of FIBR’s learning is the digitization of local businesses to more effectively deliver financial products and services to the underbanked customer. Once this crucial piece is understood, we can explore the extent to which these channels can deepen inclusion with richer and more flexible financial services.

With Sokowatch, we are exploring the current customer journey along the order & delivery process and features, such as customer support applications, to improve the customer experience. We are tackling how the digitization of the smartphone-enabled small retailer, improves the value of Sokowatch’s services. New digital channels will also allow the FIBR team to explore additional services offerings, such as in-kind credit or cash loans, accounting and education.

About the Project 

  • FIBR Touch point: Delivery agent network
  • Indirectly included customers: Small retailers or shopkeepers ("Dukas" in Swahili)
  • Timeline: September 2017 - March 2018
  • Status: In progress
  • Geography: Kenya and Tanzania
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Website: http://farmerline.co/
Founded: 2013
Industry: Agriculture
CEO: Alloysius Attah

Company Brief and Project Overview

Farmerline is a mobile technology and information software company in Ghana’s agricultural sector. Farmerline already offers an information and weather service to farmers, as well as data gathering and communication tools for supply chain actors. 

Project Basics:

  • FIBR Touch point: Purchasing Clerks middlemen  
  • Indirectly included customers: Smallholder Farmers
  • Timeline: June to December 2016
  • Status: Launched 
  • Geography: Kumasi, Ghana
  • Potential Phase 2: Scaling

Website: http://www.itconsortiumgh.com/
Founded: 2013
Industry: Education
CEO: Romeo Bugyei

Company Brief and Project Overview

IT Consortium is a Ghanaian technology services company specializing in payments and student information systems. They provide connections between most top banks and all telcos and support the bulk of BillPayment services for MTN Ghana.  

Project Basics:

  • FIBR Touch point: Schools 
  • Indirectly included customers: Parents
  • Timeline: June to December 2016
  • Status: Launched
  • Geography: Accra, Ghana
  • Potential Phase 2: Scaling

Website: http://nomanini.com/
Founded: 2011
Industry: Telecommunications
CEO: Vahid Monadjem

Company Brief and Project Overview

Nomanini is a South African enterprise payments platform provider that enables airtime and mobile money transactions in the cash-based informal retail sector. Nomanini replaces scratch cards with a unified pool of airtime and an on-the-fly printer for recharge codes, which optimizes working capital and reduces stock-outs. 

Project Basics:

  • FIBR Touch point: Mobile Money Agent Network (InCharge)
  • Indirectly included customers: Merchants 
  • Timeline: July to December 2016
  • Status: Preparing
  • Geography: 5 Regions in Ghana
  • Potential Phase 2: Scaling, Introduction of Credit Ladder to Customers