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Created Date: 9/29/2009 1:24:21 PM
Country: Afghanistan
Focus: Electronic and Mobile Government
Status: In use
License: Proprietary
Product Type: Software - Mobile
Target Users: M-Paisa is aimed at mobile phone customers who do not have a bank account.
Developer Name: Roshan
Product Url:
System Requirements: M-Paisa is installed on a Roshan SIM card and works on all mobile phones.
Description: M-Paisa is a mobile money transfer system aimed at mobile phone customers who do not have a bank account. M-Paisa enables customers to deposit cash, withdraw cash, send and receive money, receive and repay loans, buy airtime and receive salaries. In order to  register for M-Paisa, customers should go to an authorized M-Paisa agent to complete the registration form and accept the M-Paisa  Terms and Conditions. To transact, customers need to deposit money in their M-Paisa account at  an authorized M-Paisa agent. The authorized M-Paisa agent will send e-money to the customer in exchange for cash. When e-money have been deposited, customers can use their mobile phones to transact.

M-Paisa is mainly acting as a vehicle for loan disbursements and repayments of microfinance institutions, with an additional range of business to business applications such as salary disbursement and airtime distribution. Consumer person-to-person transactions is, however,  also available, enabling those  microfinance institutions  clients and employees who have received their money via M-Paisa to benefit from the full capabilities of the service. In 2008, Roshan and Vodafone  have launched  interactive voice recognition services which enables greater use of M-Paisa by consumers who might otherwise be excluded due to high illiteracy rates in Afghanistan (30% of the population).

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