African Expansion
HelloAfrica
North Africa
Center Africa
South Africa
West Africa
East Africa
. Dedicated Network (read comment)
Under reserve of government financing
HelloHub: Franchise model
Lower District (15,000)
Great Districts (1,000)
Flagshop (11)
Tech Platform Components
HelloCloud
Mobile Money on Oracle Platform
Device Integration
IOT
Cash Register
Phones
HelloIT
Accelerator
Funding
Corporate Relation
Incubation
Workspace
API Integration: BelAcademy
Access to best Students
Access to best Projects
Marketing API
API Certification
API Readiness
HelloApp
Data
Monetization
Analytics
Collection
Additional Services
Integration with National Switch : ISOMUX
Reporting
Onboarding
Integration with Core Banking
Ongoing process, date adapted for each bank
Call Center
Data Center
IT Platform : SaaS
Additional Platforms
Insurance
Location on Demand (AirBnB)
M-Education
HelloEducation level 3
HelloEducation level 2
HelloEducation level 1
Farmer platform: HelloFarm
Mag growth
M- Health
Solar PAYG
Live Stock : IOT/ Banking
Micro Insurances
Micro loans access
Solar pumps : Sunculture
Financial inclusion
M-Jobs
Task Mobi
HelloJobs
M-Entertainement
Gaming (non adults)
Movies
Bingo
Betting
Music
Logistic
HelloFood
Booking
Road
Uber 3
Uber 2
Uber 1
Selam Bus
Aviation
Ethiopian Airlines
Train
Addis Tramway
Djibouti Addis
HelloShoffer Uber Type
Delivery
Hellotrack
Energy PAYG
Solar Village System PAYGO
Irrigation System PAYGO
Solar Home System PAYGO
M-Health
HelloDoctor
Doctor Treat Me
Medical Hubs
Diagnose Me
Doctor Follow Me
I have Major Desease
I have Tuberculosis
I am Pregnant
Doctor Advise Me
Main Platforms
Pay Bill : HelloBill
Bill Notification
E-Commerce : HelooMarket
API's
International : HellooShop
Local E-Coommerce: HellooMarket
Air Time : HelloTopUP
International Top Up
Distribution via HelloTop Retailers
Distribution via HC Agents & Merchants
Direct Top Up
Financial Services: HelloCash
Social Cash Transfer
Interoperability
CBS 2 HC from all Banks
HC 2 CBS to all Banks
HC 2 CBS to/from Partner FI's
HC 2 HC
POS/ATMs/Cards
ATM's
POS
Cards
Virtual
NFC to be added
Physical
Payment aggregator
International remittance
Traditional (WU, Transfer 2, etc.)
Payment International
Wallet 2 Wallet
Savings
Loans
Sharia compliant loans
Overdraft
Scoring
Micro loans
Regular loans
Payment
Payment Agregator
This will be strongly related to adjustment of the regulatory frame
Corporate Payment
Bill Payment
Utility
Taxes
Public transport
Electricity Bill
Water Bill
The Water suppliers are regional.
The deployment in all the regions will probably take 24 months.
Telecom Bill
Direct payment through phone
InterBank ( Interoperable)
POS Deployment
QR Deployment
Send Money
Partner Financial Institutions
FI 15
FI 14
FI 13
FI 12
FI 11
FI 10
FI 9
FI 8
One Microfinance
DebubGlobal
Bunna (Partial)
Wegagen
LIB
CBO
SMFI
