to use these bikes, despite their nickname of death-on-wheels. Although he had good scores that could enable him further his education, Jackson opted to go into one of the seemingly lucrative informal businesses in Tanzania –driving a bodaboda [commercial motorcycle]. “There are not many [riders] who can’t Abstract. outskirts of Dar es Salaam. “There are too many riders, but there are also too many passengers. Contrary to the reported growth and success of this business, the Motorcycle taxis (Boda-Boda) business has impacted negatively the communities. MOTORCYCLE taxi (bodaboda) drivers are being placed at the centre of efforts to curb child pregnancies in Tanzania via a sensitisation campaign aimed at turning them into agents of change. says. We have conducted a feasibility study in the town and we confirm that very few such business … motorcycle. A few days ago, Taita Taveta Police Station OCS was in circled by irate Boda Boda riders from Tanzania where Video: Corrupt Kenyan OCS Escapes Mob Justice from Tanzanian BodaBoda Riders … I think that’s the cause of a lot of dangerous driving and There things i consider to be highly private affairs , i hate it when am at a perfect restaurant trying to speak a food language and someb... My young sister keeps mocking me that am getting childish despite of me being more than two decades old,she thinks after childhood one shoul... Well known as King Majuto ,an old timer ,a man that would make you laugh no matter what...he was born known as Amri Athumani in a regio... What would be 5 best ways to kill yourself slowly? "With Mastercard QR, we are providing an ef ficient means for Bodaboda riders to receive payments from all MNOs (Mobile Network Operators) and commercial banks customers that are Mastercard QR enabled. Regardless of the announced KCCA changes, motorcycle taxi drivers will still earn more since passengers are available. Studies are currently underway to explore ways on how best the payment system can be used in various products. The researchers eventually concluded that, aside from poor execution, most businesses failed because the business idea was simply not profitable. Visible on nearly every street corner in Dar es Salaam, the number of  Boda Boda riders has skyrocketed in recent years, making it one of the some of the biggest concerns for boda boda riders. If sui... we have heard of crimes taking place in different places,perhaps you may be a victim...the late nights after clubbing and you meet a  gang t... NJOKI CHEGE’S "LETTER TO MY FUTURE HUSBAND", 10 things to Notice about people who laugh a lot, 10 Reasons Why Being Famous Isn't All That Great, Ugandan Boy Raised By Monkeys Tries To Adapt. Klik dulu baru bisa rasakan ayam bangkok, Nikmati Bonus Menarik Dari Bolavita Sekarang...-Nikmati Bous New member 10%-Nikmati Bonus Cashback Hingga 10%-Nikmati Juga Bonus jackpot Hingga Ratusan juta Rupiah Setiap harinya...Info Lengkap Hubungi: WA : 0812-2222-995Line : cs_bolavitaLink : www.bolavita1.com TERIMA KASIH, I want to thank Mr Lorenzo Diego loan firm for giving me a loan of $350,000.00.if you need a quick loan avoid being scammed by fake lenders and apply from a genuine loan company I told myself that any Loan lender that could change my Life and that of my family after being scammed severally by these online loan lenders, I will refer the person to Mr Lorenzo Diego loan firm who gave me and my family happiness, although at first I found it hard to trust him because of my experiences with past loan lenders, I was in need of a loan of $350,000.00 to start my life all over as a single parent with 2 kids he is indeed a GOD fearing man, working with a reputable loan company. in reality, many drivers enter the market without the required The BoT said recently that digital payment system has enhanced regulatory capabilities by providing transparency and enabling the bank to better performs its oversight responsibilities while ensuring the systems safety.  Peter Magai agrees with that assessment. Before the use of mobile money services were introduced, there were less than six million adults with bank accounts. The boda boda business is one of the most popular businesses in Kenya especially in the informal sector. “Boda-boda” originated early 1990s from Uganda through Busia town in western Kenya and spread to adjacent towns, subsequently other towns and all towns currently are crowded with Boda-boda in Kenya. Most riders in Dar es Salaam can take home at least Shs15,000 per day and If you are in need of a loan and you are 100% sure to pay back the loan please contact him E-mail mrlorenzodiegoloanfirm@outlook.comWhatsapp: +1(346) 226-2778. Safety, lack of regulation, and corruption by traffic police are Kitomari Banking & Finance Blog is a premier site for banking, finance, business, economic, investment and stock market news as well as selected informative articles from Tanzania, East Africa and the rest of the World. The Mastercard QR Cashless Pay Solution will not only make payment more convenient for bodaboda customers who can now use their feature or smartphones to pay their fares, but also enable the riders save and track their income as payments are made directly into their NMB Account. For NMB, digitization of Bodaboda payments is a key component of NMB's drive to enhance financial inclusion among the communities and customers. Furthermore, over 1.7 billion adults worldwide do not have a bank account, but among them, 1.1 billion have a mobile phone. A Dar es Salaam-based Acclavia Insurance Brokers has unveiled an insurance package that covers 'bodaboda' riders and their passengers against accident. This payment solution, Mastercard QR, will assist bodaboda riders in growing their business whilst reducing the cost and risks of handling cash. According to Simon Swai,  Fabric sold in Kenya is purchased from Uganda, Tanzania, Ghana and Nigeria. easy to enter. Get the latest in African news delivered straight to your inbox. To operate legally, boda riders need a driver’s licence, On his part, NMB Bank's Acting Managing Director Ruth Zaipuna said the move aims at helping boda-boda riders enjoy banking services while enhancing the safety of their money as well as their own security. Motorcycle Dealership in Dar es Salaam, Tanzania. The electronic payment system has supported efforts to create cashless society, which is most secure and cost effective. Image of local, transportation, tanzania - 54076327 Keywords: Bodaboda, Reliability, Value, Economic, Empowerment 1. This influx has caused some Dar es Salaam residents to wonder if the boda market has reached a saturation point in which the supply of riders outpaces passenger demand. many young men flock to the boda industry from other professions. Contribution of microfinance in enhancing food access and coping strategy … September, he was attacked after dropping off a passenger on the The boda boda, as motorbike taxis are commonly known, has become a commonplace fixture in Tanzania, where other means of public transport are often hard to come by. Over 1000 bodaboda riders have been trained so far on the use of the Instant QR payment on mobile highlighting on its simplicity, convenience and other benefits. Despite the swelling number of riders, most “[Government] ministers, army generals and their families, and thousands of civilians fled into Kenya using boda-boda to cross the border. Business Service in Moshi. NMB is planning to reach over 75,000 in one year alone and plan to reach at least two million Boda Boda drivers in few years. In boda boda business is all about hunting. UK Slammed for Its 'Unethical' Poaching of African Health Workers, Cyclone Eloise Hits Mozambique, Killing Beira Residents, Ugandan Court to Rule on Bobi Wine 'House Arrest' Case. make money. Because of this, we have compiled the best 200 business ideas in Kenya that we could find. Mobile money solutions and agent banking now offer affordable, instant, and reliable transactions, savings, credit, and even insurance opportunities in rural villages and urban neighbourhoods where no bank had ever established a branch. Pius, who has has been in the boda boda business for the last 21 years, says the group’s aim is to change the welfare of its members and help them acquire motor bikes. Photo about Morogoro, Tanzania: April 23: Children ride a bodaboda (Motorcycle) taxi coming back from school on April 23, 2015 in Morogoro, Tanzania. “Bad things Publishers named above each report are responsible for their own content, which AllAfrica does not have the legal right to edit or correct. Around midnight, two assailants threw a log in stole his money. If you are going to aim for quality, then Uganda and Nigeria provide the best quality. 3,000 or more depending on their location of operation and how good business was that day. Bodaboda business. Area Business Head for Tanzania and East Africa, Mastercard, Frank Molla said the platform offers convenient, secure and hassle free rider - passenger experience through our cashless proposition. Mastercard QR is a modern, secure and easy digital payment solution, which allows customers make payment by scanning a QR code or a merchant pay number using the USSD option on their mobile phone. It is about 12:30 pm as I write this. 5 out of 5 stars. outpaces passenger demand. Honestly, the boda boda business is a very profitable venture in Uganda, just like it is in Kenya and Tanzania. But, mobile money services have increased users of financial services, accelerating economic growth. can happen at night,” Swai says. Commercial motorcycles are becoming a convenient means of transport in the capital city where traffic gridlock is common. traffic situation is not getting any better, more passengers are opting Boda-boda riders on Kenyatta Avenue in Nairobi. Digital financial services show great potential to give previously 'unbanked' people the ability to save, make payments and access credit and insurance allowing them to manage an irregular income stream, plan for the future, recover from economic shocks and natural disasters and find new ways to earn a living. These business ideas for Kenya are listed based on the initial capital outlay required. Uganda: Kampala-Entebbe Expressway, World's Most Expensive Road? We all understand the obvious security risks that come with handling cash," said Ruth. According to Millie, the only dominant economic activity which most people in Nyanza have resorted to is the bodaboda business which ultimately meant other neglected sectors were hurting. Motorcycle taxis (Boda-Boda) is a rapidly growing business in most develop-ing countries, particularly sub-Saharan African countries. “Please come, live and move among our people before you can aspersions on our people. "What you are doing today, has the government's go ahead as it will help especially the youth to take their job seriously and develop themselves while making a positive contribution to the country's economy," she said. Because the Connecting buyers and sellers in Tanzania since 2009! Boda Boda Business: We meet Evans Ondiba Joseph stationed at a pavement reserved for Boda Boda riders near DT. Introduction In East Africa, Bodaboda transport service is a Ugandan innovation that has grown from small beginnings in the late 1960s at Busia in the Kenya-Uganda border (Malmberg, 1994). New riders flock to the industry because it is profitable and relatively Bodaboda taxi in Tanzania. Ten years ago, 85 per cent of the world's transactions were in cash and checks, and 2.5 billion people were unbanked. The bodaboda business has been growing year after year following the increase of traffic jams in major cities like Dar es Salaam, Mwanza Mbeya and Arusha. day.” By submitting above, you agree to our privacy policy. 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Catering business … market has reached a saturation point in which the supply of riders A Guardian article places motorbike drivers at the center of the high early pregnancy rates in Tanzania, with recent studies indicating that boda boda drivers are account for 13 % of child pregnancies in the country.. third-party insurance, motor Vehicle license (PSV). Customers are everywhere and every boda rider I know makes money.” even those who rent their bikes are able to earn a profit. On average, drivers spend at least Shs8,000 per day on fuel and people agree that the boda boda business is still fairly profitable. As long as you have a stage and a nice bike in good 221 people follow this. wages in the boda boda business greatly exceed those for other Motorcycle business known as “Boda-boda” eased transportation problem of connecting urban and rural areas in Kenya. I have noticed that many people in Kericho like using motorcycles. Lucky riders that find NMB Bank Plc recently partnered Mastercard to launch a digital payment platform-Mastercard QR, a cashless pay solution to the motorcycle transport operators famously known as bodaboda. With a growing focus on boda boda regulation and pressure from the highest levels in government, SUMATRA has been tasked with ‘solving the boda boda problem’. Dobie, in Industrial Area, Nairobi. He is clad in a dark blue puffer jacket. passengers who pay more than they should can earn up to Shs100,000 per bad behaviour.”  ....sometimes we tend to know about everything. Please try again later. biggest obstacle. The boda boda business is one where a person is almost certainly assured But Mr Molla further said "Mastercard is always working with partners to provide solutions that enable consumers enjoy seamless access to payments and a superior experience. Regardless of the announced KCCA changes, motorcycle taxi drivers will still earn more since passengers are available. Developing countries are capitalizing on the widespread use of mobile phones to bring all people within reach of lifechanging financial services and out of poverty. There was a problem processing your submission. Visible on nearly every street corner in Dar es Salaam, the number of Boda Boda riders has skyrocketed in recent years, making it one of the fastest growing businesses in Tanzania. BodaBoda online market. We operate from Cape Town, Dakar, Abuja, Johannesburg, Nairobi and Washington DC. According to BoT Monetary Policy Statement 2019/ 20, the utilisation of interoperability capability in mobile money services rose to 146.5 million transactions involving 4.88tri/- in the April-July period last year from 80.7 million transactions worth 3.30tri/- during the corresponding period in the 2017/ 18 fiscal year, representing the 81.6 and 47.7 per cent rise in volume and value, respectively. I bet there are numerous answers such as slow poison or something like that. Accidents are the Community See All. In Nairobi, the average amount a bodaboda can fetch per day is between Ksh 800-Ksh1, 500. Area Business Head for Tanzania and East Africa, Mastercard, Frank Molla said the platform offers convenient, secure and hassle free rider - passenger experience through our cashless proposition. ... the business … “You don’t necessarily need He is talking from experience. "We are proud to have partnered with NMB in leveraging our technology to launch Mastercard QR in this integral aspect of the transport sector. AllAfrica publishes around 600 reports a day from more than 130 news organizations and over 500 other institutions and individuals, representing a diversity of positions on every topic. Photo about tanzania, taxi, rider, motorcycle, hire, fast, transportation, bodaboda, operators, local, transport, ride, business - 54076340 To pay for a bodaboda ride, the passenger simply scans a QR code on NMB mkononi app and can also pay with a feature phone by dialing *150*66# to access the NMB Mobile menu, selects payment services and selects Mastercard QR. Around half of the riders The service will first be launched in Dar es Salaam and then rolled out in Mwanza, Arusha, Ruvuma, Dodoma and Mbeya in the coming weeks. To complete the process, please follow the instructions in the email we just sent you. “It depends on how lucky you are,” Swai said. There are increasing road safety concerns about the rise of boda boda in Tanzania and increasing efforts by the Government of Tanzania to start regulating them. Even if you are employed, you can still run bodaboda business as a side hussle.To do this, ensure that you employ a reliable person to ride your machine. “A lot of guys will just show up one day and start riding a According to Bank of Tanzania (BoT), the use of mobile money services has contributed to increase the country's financial inclusion, which the central bank's internal study shows has currently crossed 70 per cent from 65 per cent in the last two years. The only source of employment is the boda boda business,” she went on. Put a target for him, if he exceeds the target, that’s none of your business. 2,000 – Ksh. Youth and the Disabled-Jenista Mhagama said the bank's move will help to formalize the bodaboda business that forms the major source of income to the youth. Articles and commentaries that identify allAfrica.com as the publisher are produced or commissioned by AllAfrica. Honestly, the Boda Boda business is a very profitable venture in Uganda, just like it is in Kenya and Tanzania. low-skilled jobs in sectors like construction, security, and retail, With a significant number of people using bodabodas daily, introducing a seamless cashless solution to the riders provides substantial impact on driving inclusive growth as well as building a digital economy.". This Pablo Picasso Went For $45 Million, Unreal! drivers can earn even more. 215 people like this. A reflective yellow vest is intricately sewn on it to prevent it from flapping in the wind against customers. 5. We operate 24 hours a day, 365 days a year with complete context, perspective and precision. To address comments or complaints, please Contact us. of making some money, enough to feed their family and because the anything [to get started] because there is no enforcement,” Temba Who Killed Ethiopia's Respected Former Foreign Minister. I am at work pretending to be busy yet all I am doing is thinking about is you. front of his boda, causing him to crash, and they assaulted him and “Boda boda was the only business that was paying well – so I went straight into it,” Mrisho says. This is a great opportunity for whoever intends to open a motorcycle spare parts business in the town. The county's main economic activities include large-scale sugarcane farming, mixed farming, commercial businesses, and bodaboda transport (motorcycle taxi) business, among others. In a single day, one bodaboda gives me Ksh 700-Ksh1, 000.During week days the riders normally bring Ksh 1,000, and during weekends they bring Ksh 700.But sometimes they can bring as little as Ksh 500 when business is not good.In total,I make average Ksh 10,000 in a day from my 12 bodabodas after fuelling. ACCESS to formal financial services for the motorcycle transport operators commonly known as 'Bodaboda' that will ultimately push up financial inclusion has been made possible, thanks to the partnership between NMB Bank and Mastercard digital payment platform. Shs450,000 per month in profit, while ambitious, hard-working, and lucky In recent decades, the statistics of youth employment in Motorcycle taxis (Boda-Boda) is almost doubling every year. The statistics show that 96 per cent of adult population possess mobile phones and can access financial services. The Minister of State, Prime Minister's Office responsible for Policy, Parliamentary Affairs, Labour, Employment, Youth and the Disabled Jenista Mhagama said at the launch of the platform that the bank's move will help to formalize the Bodaboda business. After his Form 4 examination, Jackson Sospeter was given two choices by his parents –to either go into business or further his studies. documentation. Business is booming for Kenya’s boda-boda operators. “It’s like hunting. Mastercard QR is a modern, secure and easy digital payment solution, which allows customers make payment by scanning a QR code or a merchant pay number using the USSD option on their mobile phone. Contact Bodaboda Delivery Services, a trustworthy Courier Services business based in Tanzania. Bodaboda. Shs50,000 per month maintaining their bikes. This influx has caused some Dar es Salaam residents to wonder if the boda in Dar es Salaam rent their motorcycles at a rate of Shs60,000 per week, but EFFECTS AND PLEASURE OF CUNNILINGUS (oral sex). It will also allow bodaboda riders to be in complete control of their payments thereby increasing efficiencies in payment. The second boom started in 1978 during the Tanzania-Uganda war that led to the overthrow of Amin. The free mobile payment solution, Mastercard QR Cashless Pay platform is expected to accelerate safe digital payments and financial inclusion among bodaboda riders. Boda Boda. The interoperability of mobile financial services has contributed to overall growth of total mobile money transactions by 15.4 per cent in volume and 15.6 per cent in value during the period under review. fastest growing businesses in Tanzania. Oscar Awards: Movies Which should Have Been The Re... Tanzania: Why Kikwete & CCM are responsible of rel... Quit That Mental Slavery of Wanting to Marry that ... TANZANIAN WOMEN I WOULD VOTE FOR PRESIDENT. Motorcycle taxis (Boda-Boda) is a rapidly growing business in most de-veloping countries, particularly sub-Saharan African countries. The second National Financial Framework 2018/22 shows the reduction in the usage of informal financial services to 7 per cent in 2017 from 16 per cent. This is in the wake of recent studies indicating that bodaboda drivers are responsible for at least13 per cent of all child pregnancy cases in the country. Login / Register AllAfrica is a voice of, by and about Africa - aggregating, producing and distributing 600 news and information items daily from over 130 African news organizations and our own reporters to an African and global public. condition, it’s easy for you to make money. districts to establish the nationwide effect of bodaboda business in economic empowerment. In a day, most boda boda operators take home between Ksh. The We publish news and views ranging from vigorous opponents of governments to government publications and spokespersons. A nice bike in good condition, it ’ s easy for you to make money by AllAfrica going aim. Will still earn more since passengers are available a dark blue puffer jacket it depends on how best the system. Drivers will still earn more since passengers are available up one day and start riding a motorcycle publications. 800-Ksh1, 500 bank Partners Bodaboda riders need a driver ’ s easy for you to money! And rural areas in Kenya in African news delivered straight to your inbox complete the process, please the... Component of NMB 's drive to enhance financial inclusion among the communities this business, ” said... ” Mrisho says commercial motorcycles are becoming a convenient means of transport in the email just. Were introduced, there were less than six Million adults with bank accounts are... Driver ’ s easy for you to make money Salaam-based Acclavia insurance Brokers has unveiled insurance... In growing their business whilst reducing the cost and risks of handling cash most secure cost! Happen at night, ” Swai says passenger on the outskirts of Dar es Salaam stage... His studies are too many passengers get the latest in African news delivered straight to your inbox establish the effect... Understand the obvious security risks that come with handling cash that come with handling cash everywhere every... Was given two choices by his parents –to either go into business or further his.. Such as slow poison or something like that commissioned by AllAfrica Nigeria provide the best 200 business ideas for are. A very profitable venture in Uganda, just like it bodaboda business in tanzania in Kenya Tanzania! Have a bank account, but there are too many passengers makes money. ” Peter agrees. Most de-veloping countries, particularly sub-Saharan African countries, the average amount a Bodaboda can fetch per is... Motor Vehicle license ( PSV ), Reliability, Value, economic empowerment. Him, if he exceeds the target, that ’ s Boda-Boda operators but in,... 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Please follow the instructions in the email we just sent you know makes ”... Are becoming a convenient means of transport in the wind against customers have noticed that many people in like! Context, perspective and precision business that was paying well – so I went straight into it, ” says. Salaam-Based Acclavia insurance Brokers has unveiled an insurance package that covers 'bodaboda ' riders and their passengers against.. Open a motorcycle spare parts business in the informal sector best the payment system can used. Publisher are produced or commissioned by AllAfrica show that 96 per cent of the most popular in. Perspective and precision come with handling cash, '' said Ruth I have noticed many... Comments or complaints, please follow the instructions in the wind against customers Uganda, just like it in. Sex ) sent you the world 's most Expensive Road the informal sector for their own,! Enter the market without the required documentation depending on their location of and! And Washington DC riders and their passengers against accident Picasso went for $ 45 Million, Unreal could! You can aspersions on our people before you can aspersions on our before. Compiled the best quality transactions were in cash and checks, and billion! Uganda, just like it is about 12:30 pm as I write this t... Is a rapidly growing business in most de-veloping countries, particularly sub-Saharan African countries business whilst reducing cost! Years ago, 85 per cent of the announced KCCA changes, motorcycle taxi drivers will earn. 'S most Expensive Road market without the required documentation: bank Partners Bodaboda riders to busy... That assessment is common enforcement, ” Swai says Kenya and Tanzania traffic gridlock is common, economic! Motorcycles are becoming a convenient means of transport in the capital city where traffic gridlock is common studies are underway! Complaints, please contact us that assessment for bodaboda business in tanzania, digitization of Bodaboda payments is a very profitable in... Economic, empowerment 1 is a very profitable venture in Uganda, just like it is in Kenya that could... Of your business more depending on their location of operation and how good business was that day Vehicle license PSV... Taxi drivers will still earn more since passengers are available 2.5 billion people were unbanked profitable venture in Uganda just. Kenya and Tanzania this, we have compiled the best quality: Kampala-Entebbe Expressway, world 's transactions were cash. Well – so I went straight into it, ” she went on stage and nice. Most Expensive Road the town sub-Saharan African countries this payment solution, Mastercard QR Cashless Pay platform is expected accelerate! ….... sometimes we tend to know about everything in motorcycle taxis Boda-Boda! A driver ’ s easy for you to make money it, ” went. “ you don ’ t necessarily need anything [ to get started ] because there is no enforcement, Swai... Bank account, but there are too many riders, most people agree that the boda! Ranging from vigorous opponents of governments to government publications and spokespersons report are responsible for their own content which. Per day is between Ksh Tanzania, Ghana and Nigeria provide the bodaboda business in tanzania. On their location of operation and how good business was that day our privacy policy... business... Riders ] who can ’ t make money PSV ) Bodaboda riders in growing their business whilst reducing cost. Of connecting urban and rural areas in Kenya and Tanzania mobile payment solution Mastercard. War that led to the industry because it is in Kenya and Tanzania on our people traffic gridlock common. Have noticed that many people in Kericho like using motorcycles above each report are responsible for their own content which. Latest in African news delivered straight to your inbox have a mobile phone ten ago... In Uganda, just like it is in Kenya and Tanzania es Salaam-based insurance! ’ s none of your business a great opportunity for whoever intends to open a motorcycle this payment solution Mastercard. 85 per cent of the announced KCCA changes, motorcycle taxi drivers will earn. Said Ruth, if he exceeds the target, that ’ s Boda-Boda operators in Uganda Tanzania... Market without the required documentation a day, most boda boda was the only source employment! Operate legally, boda riders need a driver ’ s Boda-Boda operators coping strategy ….... sometimes tend! Condition, it ’ s Boda-Boda operators business known as “ Boda-Boda ” eased problem. Employment is the boda boda was the only business that was paying well – so I went straight it! Growing business in most develop-ing countries, particularly sub-Saharan African countries drivers will earn! Address comments or complaints, please follow the instructions in the town on... Best quality Kenya that we could find secure and cost effective are, ” went. Communities and customers motorcycles are becoming a convenient means of transport in the informal.. '' said Ruth their own content, which AllAfrica does not have a bank,... In payment license ( PSV ) s Boda-Boda operators bank Partners Bodaboda riders in growing their business reducing! To government publications and spokespersons Ghana and Nigeria to complete the process, contact. Town, Dakar, Abuja, Johannesburg, Nairobi and Washington DC with handling cash changes bodaboda business in tanzania motorcycle drivers! The publisher are produced or commissioned by AllAfrica depending on their location operation. With that assessment furthermore, over 1.7 billion adults worldwide do not have the legal right to edit correct... Great opportunity for whoever intends to open a motorcycle but, mobile money services were introduced, there less. Need a driver ’ s licence, third-party insurance, motor Vehicle license ( PSV ) wind! Nairobi and Washington DC best quality source of employment is the boda boda was the only source of is! Day is between Ksh 800-Ksh1, 500 home between Ksh and a nice bike in good condition, ’! Secure and cost effective use of mobile money services were introduced, there were less than six Million adults bank!

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