Ethan Laub Marketing Head ethan@mossict.com Ethan Laub is Head of Marketing at MOSS ICT in Ethiopia. Prior to joining MOSS, Ethan held a variety of management positions at leading U.S. companies, including roles in Marketing, Product Management, and Account Management. Ethan is also a technology entrepreneur, having founded TripScanner, a business travel technology company. In 2015, TripScanner was acquired by Coupa Software, a publicly-traded enterprise software company in Silicon Valley. Following the acquisition, Ethan served as Product Manager for Coupa, overseeing their mobile apps and Expense Management software module. Previously, Ethan worked for 10 years at American Express in its Strategic Planning, Commercial Card, and Business Travel divisions. Ethan holds an MBA from Harvard Business School and a BSc in Economics from the Wharton School, University of Pennsylvania.

___________________

James Norton Co-Founder and CEO of MOSS Technology jimmy@mossict.com James is a co-founder of MOSS ICT. He has 20 years experience in developing mobile technology and has built a successful business in delivering mobile applications to blue chip clients including Vodafone, O2, Ericsson and may others across the globe. James started a software development company called NCL Technologies and the business has run successfully for more than 10 years. James manages the Dublin based office, including international business development, software development, platform management and IT support. James has a MSc and BA in Mathematics at Trinity College Dublin.

___________________

Melat Mebratu Corporate Projects Manager melat.mebratu@mossict.com Melat joined MOSS ICT Consultancy in January 2018. As a Corporate Projects Manager, Melat leads the project department that manages all the projects the company implements. Previously, she worked for the Ethiopian Agricultural Transformation Agency implementing a number of nation-wide projects focused on digital finance, agriculture and gender mainstreaming areas. Melat was one of the experts that were part of the development of the Ethiopian Rural Finance Strategy and the National Financial Inclusion Strategy. Earlier, she worked as a market researcher for one of the biggest private companies in Ethiopia. Melat possesses a BA degree in Finance and Development Economics and an MA degree in Project Management from Addis Ababa University School of Commerce.

___________________

Kidist Zegeye CEO of MOSS ICT Consultancy kidist@mossict.com Kidist joined MOSS ICT Consultancy in January 2013. In her role as CEO, Kidist is a strong advocate for making financial services accessible and affordable to all Ethiopians through the M-BIRR service. Previously, she worked with France Telecom as the Chief Human Resources Officer of Ethio Telecom under a management contract. Prior to that, she was the Operations Director for I-TECH Ethiopia, a branch of the University of Washington. Kidist has also held positions at Save the Children USA, serving as Administration Manager and Human Resources Manager. Before that, Kidist worked in the private sector.

___________________

Endashaw Tesfaye Commercial Manager endeshaw.tesfaye@mossict.com Endashaw has over 10 years of experience in customer service, marketing and business development and five years of experience in mobile money industry in which he served MOSS ICT at variety of expertise including key accounts manager, business development manager and relationship with financial institutions in the delivery of mobile money service using MOSS software. Currently Endashaw is serving the company at Comercial manager position leading the team towards success. Endashaw holds Masters in Business Administration with great distinction from International leadership Institute and BA in Economics from Haromaya University in Ethiopia.

___________________

Ermias Tenaw IT and Products Manager ermias@mossict.com

___________________

Ermias has over 12 years of experience in IT and infrastructure, system development and IT and Product management in Ethiopian Companies and some east African companies too. Ermias holds MA in Business Administration and BA in Information System from Addis Abeba University.
Thierry Artaud Co-Founder and Executive Chairman thierry@mossict.com Thierry has a broad international experience of over 30 years in Business and Business Management, mainly in the ICT and Telecom sectors. Prior to co-founding MOSS, Thierry established the KTF Group, a French/Irish investment house providing financial products & services for investment. Thierry has a Master's degree in scientific innovation from the University of Angers and an MBA from the University of Nancy.

___________________

Emebet Adem Finance Manager emebet@mossict.com Emebet has over 9 years of experience; four years of an experience Accountant and Senior Accountant and also six years of an experience in Mobil money industry in which she served MOSS ICT of expertise General Accountant and Finance Manager. Currently Emebet is servicing the company at Finance Manager Position. Emebet holds BA in Accounting and BA in Management in Admas University Collage.

___________________

Kalkidan Fikadu Customer Care and Network Manager kalkidan@mossict.com Kalkidan has over 8 years of experience in agent network, customer service in digital financial services, and as sales consultant. She used to work as a sales consultant in Access capital PLC and African vacation PLC where she started her career path for over 2years. She has 5 years of experience in digital finance industry when she works for Kifiya Financial Technology PLC in Network operation department in agent network service management and as customer care officer in customer service department. After leaving Kifiya she joined MOSS ICT consultancy where she used to work as network and compliance manger for a year. Kalkidan is currently working as customer care and network manager where she manages the M-Birr service agent network and customer service units. Kalkidan has MBA in Marketing Management from Rift Valley University and a BA Degree in Economics from Axum University in Ethiopia.

___________________

 
Pioneer and Leading Mobile and Agent Banking Technology Service Provider in Ethiopia since 2010
Locations

7,600+

Customers

1,300,000+

Birr Transacted

14+ Billion

With our Technology the M-BIRR Service has reached
We are MOSS Our team helps you to progress and grow faster
The MOSS Group is composed of two entities: MOSS Technologies, established in Dublin, Ireland MOSS ICT Consultancy, established in Addis Ababa, Ethiopia
What We Offer MOSS offers Financial Institutions a turnkey mobile money platform that can be deployed with minimal up-front-investment in as little as 6 weeks. MOSS offers proven technology, customer support, marketing and business development services to support our clients. First-in-class Established in 2009 as a spin-off of a long established mobile communication middleware company, MOSS pioneered mobile money services in Ethiopia with the launch of M-BIRR.
MANAGEMENT TEAM
INVESTORS
The European Investment Bank is the world’s largest international public bank, owned directly by the 28 European Union member states. It is the long-term lending institution of the European Union owned and makes long-term finance available for sound investment in order to contribute towards EU policy goals. As a subsidiary of the KfW Group, DEG offers financing, advice and support to private sector enterprises operating in developing and emerging-market countries. Finnfund is a Finnish development finance company that promotes sustainable development by providing long-term risk capital for private projects in developing countries.
PARTNERS
Mastercard is a technology company in the global payments industry. Their global payments processing network connects consumers, financial institutions, merchants, governments and businesses in more than 210 countries and territories. Mastercard products and solutions make everyday commerce activities – such as shopping, traveling, running a business and managing finances – easier, more secure and more efficient for everyone. NCL Technologies is a leading supplier in mobile application development. NCL has more 18 years experience in mobile software products and clients across the globe including mobile operators such as Vodafone, O2, MCel Safaricom and OEM suppliers such as Ericsson. MOSS will use NCL products as part of the mobile network infrastructure and connectivity.
Why MOSS in Ethiopia ?
MOSS helps financial institutions meet Ethiopian government requirements of increased financial inclusion. Our turn-key solutions can be implemented in a matter of weeks, with minimal up-front investment.
OUR CLIENTS IN THE FINANCIAL SECTOR OF ETHIOPIA We serve 6 of the largest financial institutions in Ethiopia, with over 5 million combined customers across the country.
ADCSI ACSI OCSSCO
OMFI Dedebit PEACE
www.mbirr.com The above Financial Institutions deliver the M-BIRR Mobile Money Service
SOLUTIONS
MOSS Mobile and Agent Banking Technology delivers a host of mobile money services that transforms the way consumers transfer and spend money. Built around a stored value account, the solution empowers consumers to securely make merchant payments, pay bills, and send or receive money using a mobile. Further, consumers can gain access to expanded micro-financial services such as savings, loans and insurance; businesses can credit salaries while governments and non-Governmental Organisations can disburse cash subsidies, relief aid and make other bulk payments. MOSS Platform is designed to seamlessly integrate consumer touch points with a wide ecosystem of Banks and Micro-Finance Institutions, service providers, merchants and third-party payment systems, creating a convergence powered by interoperability. Apart from delivering convenience to consumers, the solution enables financial service providers to acquire new customers, create long-term loyalty with existing ones, and seize new revenue opportunities to increase their footprint in the market. To the financial service provider, MOSS Technology solution offers detailed administration of financial services and reporting. The scalable architecture of the solution allows it to function at multiple hierarchies and deploy to markets of any size and transaction volumes. MOSS Platform also enables the financial service provider to offer attractive promotions and loyalty programs to agents and customers.
Bridging the Telco and Financial worlds Financial regulation in Ethiopia only allow regulated financial Institutions to deliver Financial Services such as Mobile and Agent Banking. As such, MOSS Technology and Services are tailored to bridge the telecom and financial worlds and provide best fitted solutions to Banks and MFIs within the regulatory framework.
Reliable, Safe and Scalable back-end
Our platform embodies various back-end functions and logic to drive payments. Based on a Java2 Enterprise Edition(J2EE) foundation and supported by a highly reliable IBM DB2 database environment, the MOSS platform uses best-of-breed Industry Standard components and is composed of a number of modules: Telecom network interface Distribution network management Customers and retail network management Charging and limits Reconciliation, settlement and commissioning processing Promotional / Loyalty Reporting and Analytics AML /CFT
MOSS platform includes a module of paramount importance for any ‘Bank-led’ deployment. The Payment & Settlement Module allows a Clearing House designated and trusted by Financial Institutions to clear and settle all inter-institution transactions carried-out by customers and Agents of any participating Financial Institutions.
M-POS For the developing markets where Internet and smart phones are not widely available, MOSS has innovated and developed a Mobile POS based on a simple feature phone. It allows distributors, fuel stations, supermarkets or any business with multiple mobile or fixed sales agents to securely accept a payment on behalf of the organization they belong to.
Our API with high security and multi factor authentication meets the highest standards and best practices of the payments industry. It allows validated third party systems to conduct transactions, receive transaction notifications and exchange transaction references or other data related to the transactions. APIs MOSS platform offers a comprehensive, end to end voucher management solution which facilitates the complete life-cycle of voucher creation, distribution and management. Examples of supported Voucher types: Mobile Airtime Cash-in via voucher Utility Companies (Electricity, Water Internet etc) Retailers (gift vouchers, coupons etc) Vouchers Management
Promotional and Loyalty Management (PLM)
Driving mobile money adoption and usage through promotions and incentives is made easy with our advanced PLM tools. Incentives are powerful tools to drive Customers and Agents stimulation; our PLM Module empowers the Service provider with system generated time and /or volume based incentives such as: Free or reduced transaction fees Incentives (E-cash, vouchers or airtime) associated with any type of transaction including sponsoring/recommendations (Invite a friend) Promotion campaigns can be activated at different stages of the customer journey based on the required result.
Mobile App For those users equipped with a smartphone, we have developed a Mobile APP for Android phones to bring even more convenience to Customers, Retailers, Agents and Cashiers using our technology. Our APP communicates with our platform through USSD and SMS and therefore Users do not require Internet connectivity. The secure APP in addition to ‘traditional’ services offer an extended contact directory, transaction history, QR code payments and many other innovative facilities.
Our platform includes a comprehensive Reporting module and a set of pre-defined Reports allowing the service provider to closely monitor the activity of its customers, Agents and staff (Cashiers, KYC officers, etc…). Reports generated by the RMM can be categorised as follows: Activity and Analytic reports Financial reports Regulatory reports
Inter-Financial Institution Payment & Settlement Comprehensive Reporting and Monitoring Module (RMM)
MEDIA
MOSS Technologies (Dublin) 31/33 The Triangle, Ranelagh Dublin 6 - Ireland info@mossict.com Tel: +353 1 676 8968 MOSS ICT Consultancy SNAP Plaza, 2nd Floor Airport Road (Bole Rd) Addis Ababa – Ethiopia info@mossict.com Tel: +251 115 175 600
www.mbirr.com
James Norton Co-Founder and CEO of MOSS Technology jimmy@mossict.com James is a co-founder of MOSS ICT. He has 20 years experience in developing mobile technology and has built a successful business in delivering mobile applications to blue chip clients including Vodafone, O2, Ericsson and may others across the globe. James started a software development company called NCL Technologies and the business has run successfully for more than 10 years. James manages the Dublin based office, including international business development, software development, platform management and IT support. James has a MSc and BA in Mathematics at Trinity College Dublin.
Thierry Artaud Co-Founder and Executive Chairman thierry@mossict.com Thierry has a broad international experience of over 30 years in Business and Business Management, mainly in the ICT and Telecom sectors. Prior to co-founding MOSS, Thierry established the KTF Group, a French/Irish investment house providing financial products & services for investment. Thierry has a Master's degree in scientific innovation from the University of Angers and an MBA from the University of Nancy.
Kidist Zegeye CEO of MOSS ICT Consultancy kidist@mossict.com Kidist joined MOSS ICT Consultancy in January 2013. In her role as CEO, Kidist is a strong advocate for making financial services accessible and affordable to all Ethiopians through the M-BIRR service. Previously, she worked with France Telecom as the Chief Human Resources Officer of Ethio Telecom under a management contract. Prior to that, she was the Operations Director for I-TECH Ethiopia, a branch of the University of Washington. Kidist has also held positions at Save the Children USA, serving as Administration Manager and Human Resources Manager. Before that, Kidist worked in the private sector.
Endashaw Tesfaye Commercial Manager
endeshaw.tesfaye@mossict.com Endashaw has over 10 years of experience in customer service, marketing and business development and five years of experience in mobile money industry in which he served MOSS ICT at variety of expertise including key accounts manager, business development manager and relationship with financial institutions in the delivery of mobile money service using MOSS software. Currently Endashaw is serving the company at Comercial manager position leading the team towards success. Endashaw holds Masters in Business Administration with great distinction from International leadership Institute and BA in Economics from Haromaya University in Ethiopia.
Melat Mebratu Corporate Projects Manager melat.mebratu@mossict.com Melat joined MOSS ICT Consultancy in January 2018. As a Corporate Projects Manager, Melat leads the project department that manages all the projects the company implements. Previously, she worked for the Ethiopian Agricultural Transformation Agency implementing a number of nation-wide projects focused on digital finance, agriculture and gender mainstreaming areas. Melat was one of the experts that were part of the development of the Ethiopian Rural Finance Strategy and the National Financial Inclusion Strategy. Earlier, she worked as a market researcher for one of the biggest private companies in Ethiopia. Melat possesses a BA degree in Finance and Development Economics and an MA degree in Project Management from Addis Ababa University School of Commerce.
Ermias Tenaw IT and Products Manager ermias@mossict.com Ermias has over 12 years of experience in IT and infrastructure, system development and IT and Product management in Ethiopian Companies and some east African companies too. Ermias holds MA in Business Administration and BA in Information System from Addis Abeba University.
Emebet Adem Finance Manager
emebet@mossict.com Emebet has over 9 years of experience; four years of an experience Accountant and Senior Accountant and also six years of an experience in Mobil money industry in which she served MOSS ICT of expertise General Accountant and Finance Manager. Currently Emebet is servicing the company at Finance Manager Position. Emebet holds BA in Accounting and BA in Management in Admas University Collage.
Kalkidan Fikadu Customer Care and Network Manager kalkidan@mossict.com Kalkidan has over 8 years of experience in agent network, customer service in digital financial services, and as sales consultant. She used to work as a sales consultant in Access capital PLC and African vacation PLC where she started her career path for over 2years. She has 5 years of experience in digital finance industry when she works for Kifiya Financial Technology PLC in Network operation department in agent network service management and as customer care officer in customer service department. After leaving Kifiya she joined MOSS ICT consultancy where she used to work as network and compliance manger for a year. Kalkidan is currently working as customer care and network manager where she manages the M-Birr service agent network and customer service units. Kalkidan has MBA in Marketing Management from Rift Valley University and a BA Degree in Economics from Axum University in Ethiopia.
Ethan Laub Marketing Head ethan@mossict.com Ethan Laub is Head of Marketing at MOSS ICT in Ethiopia. Prior to joining MOSS, Ethan held a variety of management positions at leading U.S. companies, including roles in Marketing, Product Management, and Account Management. Ethan is also a technology entrepreneur, having founded TripScanner, a business travel technology company. In 2015, TripScanner was acquired by Coupa Software, a publicly-traded enterprise software company in Silicon Valley. Following the acquisition, Ethan served as Product Manager for Coupa, overseeing their mobile apps and Expense Management software module. Previously, Ethan worked for 10 years at American Express in its Strategic Planning, Commercial Card, and Business Travel divisions. Ethan holds an MBA from Harvard Business School and a BSc in Economics from the Wharton School, University of Pennsylvania.
 
Pioneer and Leading Mobile and Agent Banking Technology Service Provider in Ethiopia since 2010
Find out why 8 Ethiopian Financial Institutions have chosen MOSS Technology and Services
Locations
Customers
Birr Transacted With our Technology the M-BIRR Service has reached
We are MOSS Our team helps you to progress and grow faster
The MOSS Group is composed of two entities: MOSS Technologies, established in Dublin, Ireland MOSS ICT Consultancy, established in Addis Ababa, Ethiopia
MANAGEMENT TEAM
INVESTORS
PARTNERS
Why MOSS in Ethiopia ?
MOSS helps financial institutions meet Ethiopian government requirements of increased financial inclusion. Our turn-key solutions can be implemented in a matter of weeks, with minimal up-front investment.
MEDIA
SOLUTIONS
MOSS Mobile and Agent Banking Technology delivers a host of mobile money services that transforms the way consumers transfer and spend money. Built around a stored value account, the solution empowers consumers to securely make merchant payments, pay bills, and send or receive money using a mobile. Further, consumers can gain access to expanded micro-financial services such as savings, loans and insurance; businesses can credit salaries while governments and non-Governmental Organisations can disburse cash subsidies, relief aid and make other bulk payments. MOSS Platform is designed to seamlessly integrate consumer touch points with a wide ecosystem of Banks and Micro-Finance Institutions, service providers, merchants and third-party payment systems, creating a convergence powered by interoperability. Apart from delivering convenience to consumers, the solution enables financial service providers to acquire new customers, create long-term loyalty with existing ones, and seize new revenue opportunities to increase their footprint in the market. To the financial service provider, MOSS Technology solution offers detailed administration of financial services and reporting. The scalable architecture of the solution allows it to function at multiple hierarchies and deploy to markets of any size and transaction volumes. MOSS Platform also enables the financial service provider to offer attractive promotions and loyalty programs to agents and customers.
Financial regulation in Ethiopia only allow regulated financial Institutions to deliver Financial Services such as Mobile and Agent Banking. As such, MOSS Technology and Services are tailored to bridge the telecom and financial worlds and provide best fitted solutions to Banks and MFIs within the regulatory framework. Bridging the Telco and Financial worlds
Reliable, Safe and Scalable back-end
Our platform embodies various back-end functions and logic to drive payments. Based on a Java2 Enterprise Edition(J2EE) foundation and supported by a highly reliable IBM DB2 database environment, the MOSS platform uses best-of-breed Industry Standard components and is composed of a number of modules: Telecom network interface Distribution network management Customers and retail network management Charging and limits Reconciliation, settlement and commissioning processing Promotional / Loyalty Reporting and Analytics AML /CFT
MOSS platform includes a module of paramount importance for any ‘Bank-led’ deployment. The Payment & Settlement Module allows a Clearing House designated and trusted by Financial Institutions to clear and settle all inter-institution transactions carried-out by customers and Agents of any participating Financial Institutions.
M-POS For the developing markets where Internet and smart phones are not widely available, MOSS has innovated and developed a Mobile POS based on a simple feature phone. It allows distributors, fuel stations, supermarkets or any business with multiple mobile or fixed sales agents to securely accept a payment on behalf of the organization they belong to.
Vouchers Management
MOSS platform offers a comprehensive, end to end voucher management solution which facilitates the complete life-cycle of voucher creation, distribution and management. Examples of supported Voucher types: Mobile Airtime Cash-in via voucher Utility Companies (Electricity, Water Internet etc) Retailers (gift vouchers, coupons etc)
APIs Our API with high security and multi factor authentication meets the highest standards and best practices of the payments industry. It allows validated third party systems to conduct transactions, receive transaction notifications and exchange transaction references or other data related to the transactions.
Promotional and Loyalty Management (PLM)
Driving mobile money adoption and usage through promotions and incentives is made easy with our advanced PLM tools. Incentives are powerful tools to drive Customers and Agents stimulation; our PLM Module empowers the Service provider with system generated time and /or volume based incentives such as: Free or reduced transaction fees Incentives (E-cash, vouchers or airtime) associated with any type of transaction including sponsoring/recommendations (Invite a friend) Promotion campaigns can be activated at different stages of the customer journey based on the required result.
Mobile App For those users equipped with a smartphone, we have developed a Mobile APP for Android phones to bring even more convenience to Customers, Retailers, Agents and Cashiers using our technology. Our APP communicates with our platform through USSD and SMS and therefore Users do not require Internet connectivity. The secure APP in addition to ‘traditional’ services offer an extended contact directory, transaction history, QR code payments and many other innovative facilities.
Our platform includes a comprehensive Reporting module and a set of pre-defined Reports allowing the service provider to closely monitor the activity of its customers, Agents and staff (Cashiers, KYC officers, etc…). Reports generated by the RMM can be categorised as follows: Activity and Analytic reports Financial reports Regulatory reports
OUR CLIENTS IN THE FINANCIAL SECTOR OF ETHIOPIA We serve 6 of the largest financial institutions in Ethiopia, with over 5 million combined customers across the country.
ADCSI
www.mbirr.com The above Financial Institutions deliver the M-BIRR Mobile Money Service
MOSS Technologies (Dublin) 31/33 The Triangle, Ranelagh Dublin 6 - Ireland info@mossict.com Tel: +353 1 676 8968 MOSS ICT Consultancy SNAP Plaza, 2nd Floor Airport Road (Bole Rd) Addis Ababa – Ethiopia info@mossict.com Tel: +251 115 175 600
www.mbirr.com
Endashaw Tesfaye Commercial Manager endeshaw.tesfaye@mossict.com Endashaw has over 10 years of experience in customer service, marketing and business development and five years of experience in mobile money industry in which he served MOSS ICT at variety of expertise including key accounts manager, business development manager and relationship with financial institutions in the delivery of mobile money service using MOSS software. Currently Endashaw is serving the company at Comercial manager position leading the team towards success. Endashaw holds Masters in Business Administration with great distinction from International leadership Institute and BA in Economics from Haromaya University in Ethiopia.
Kidist Zegeye CEO of MOSS ICT Consultancy kidist@mossict.com Kidist joined MOSS ICT Consultancy in January 2013. In her role as CEO, Kidist is a strong advocate for making financial services accessible and affordable to all Ethiopians through the M-BIRR service. Previously, she worked with France Telecom as the Chief Human Resources Officer of Ethio Telecom under a management contract. Prior to that, she was the Operations Director for I-TECH Ethiopia, a branch of the University of Washington. Kidist has also held positions at Save the Children USA, serving as Administration Manager and Human Resources Manager. Before that, Kidist worked in the private sector.
Thierry Artaud Co-Founder and Executive Chairman thierry@mossict.com Thierry has a broad international experience of over 30 years in Business and Business Management, mainly in the ICT and Telecom sectors. Prior to co-founding MOSS, Thierry established the KTF Group, a French/Irish investment house providing financial products & services for investment. Thierry has a Master's degree in scientific innovation from the University of Angers and an MBA from the University of Nancy.
Melat Mebratu Corporate Projects Manager melat.mebratu@mossict.com Melat joined MOSS ICT Consultancy in January 2018. As a Corporate Projects Manager, Melat leads the project department that manages all the projects the company implements. Previously, she worked for the Ethiopian Agricultural Transformation Agency implementing a number of nation-wide projects focused on digital finance, agriculture and gender mainstreaming areas. Melat was one of the experts that were part of the development of the Ethiopian Rural Finance Strategy and the National Financial Inclusion Strategy. Earlier, she worked as a market researcher for one of the biggest private companies in Ethiopia. Melat possesses a BA degree in Finance and Development Economics and an MA degree in Project Management from Addis Ababa University School of Commerce.
Ethan Laub Marketing Head ethan@mossict.com Ethan Laub is Head of Marketing at MOSS ICT in Ethiopia. Prior to joining MOSS, Ethan held a variety of management positions at leading U.S. companies, including roles in Marketing, Product Management, and Account Management. Ethan is also a technology entrepreneur, having founded TripScanner, a business travel technology company. In 2015, TripScanner was acquired by Coupa Software, a publicly-traded enterprise software company in Silicon Valley. Following the acquisition, Ethan served as Product Manager for Coupa, overseeing their mobile apps and Expense Management software module. Previously, Ethan worked for 10 years at American Express in its Strategic Planning, Commercial Card, and Business Travel divisions. Ethan holds an MBA from Harvard Business School and a BSc in Economics from the Wharton School, University of Pennsylvania.
Ermias Tenaw IT and Products Manager ermias@mossict.com Ermias has over 12 years of experience in IT and infrastructure, system development and IT and Product management in Ethiopian Companies and some east African companies too. Ermias holds MA in Business Administration and BA in Information System from Addis Abeba University.
Emebet Adem Finance Manager emebet@mossict.com Emebet has over 9 years of experience; four years of an experience Accountant and Senior Accountant and also six years of an experience in Mobil money industry in which she served MOSS ICT of expertise General Accountant and Finance Manager. Currently Emebet is servicing the company at Finance Manager Position. Emebet holds BA in Accounting and BA in Management in Admas University Collage.
Kalkidan Fikadu Customer Care and Network Manager kalkidan@mossict.com Kalkidan has over 8 years of experience in agent network, customer service in digital financial services, and as sales consultant. She used to work as a sales consultant in Access capital PLC and African vacation PLC where she started her career path for over 2years. She has 5 years of experience in digital finance industry when she works for Kifiya Financial Technology PLC in Network operation department in agent network service management and as customer care officer in customer service department. After leaving Kifiya she joined MOSS ICT consultancy where she used to work as network and compliance manger for a year. Kalkidan is currently working as customer care and network manager where she manages the M-Birr service agent network and customer service units. Kalkidan has MBA in Marketing Management from Rift Valley University and a BA Degree in Economics from Axum University in Ethiopia.
James Norton Co-Founder and CEO of MOSS Technology jimmy@mossict.com James is a co-founder of MOSS ICT. He has 20 years experience in developing mobile technology and has built a successful business in delivering mobile applications to blue chip clients including Vodafone, O2, Ericsson and may others across the globe. James started a software development company called NCL Technologies and the business has run successfully for more than 10 years. James manages the Dublin based office, including international business development, software development, platform management and IT support. James has a MSc and BA in Mathematics at Trinity College Dublin.
 
Pioneer and Leading Mobile and Agent Banking Technology Service Provider in Ethiopia since 2010
Find out why 8 Ethiopian Financial Institutions have chosen MOSS Technology and Services
Customers
Birr Transacted Locations With our Technology the M-BIRR Service has reached
We are MOSS Our team helps you to progress and grow faster
The MOSS Group is composed of two entities: MOSS Technologies, established in Dublin, Ireland MOSS ICT Consultancy, established in Addis Ababa, Ethiopia
MANAGEMENT TEAM
INVESTORS
PARTNERS The above Financial Institutions deliver the M-BIRR Mobile Money Service
OUR CLIENTS IN THE FINANCIAL SECTOR OF ETHIOPIA We serve 6 of the largest financial institutions in Ethiopia, with over 5 million combined customers across the country.
ADCSI
www.mbirr.com
Why MOSS in Ethiopia ?
MOSS helps financial institutions meet Ethiopian government requirements of increased financial inclusion. Our turn-key solutions can be implemented in a matter of weeks, with minimal up-front investment.
SOLUTIONS
Bridging the Telco and Financial worlds
MOSS Mobile and Agent Banking Technology delivers a host of mobile money services that transforms the way consumers transfer and spend money. Built around a stored value account, the solution empowers consumers to securely make merchant payments, pay bills, and send or receive money using a mobile. Further, consumers can gain access to expanded micro-financial services such as savings, loans and insurance; businesses can credit salaries while governments and non-Governmental Organisations can disburse cash subsidies, relief aid and make other bulk payments. MOSS Platform is designed to seamlessly integrate consumer touch points with a wide ecosystem of Banks and Micro-Finance Institutions, service providers, merchants and third-party payment systems, creating a convergence powered by interoperability. Apart from delivering convenience to consumers, the solution enables financial service providers to acquire new customers, create long-term loyalty with existing ones, and seize new revenue opportunities to increase their footprint in the market. To the financial service provider, MOSS Technology solution offers detailed administration of financial services and reporting. The scalable architecture of the solution allows it to function at multiple hierarchies and deploy to markets of any size and transaction volumes. MOSS Platform also enables the financial service provider to offer attractive promotions and loyalty programs to agents and customers.
Financial regulation in Ethiopia only allow regulated financial Institutions to deliver Financial Services such as Mobile and Agent Banking. As such, MOSS Technology and Services are tailored to bridge the telecom and financial worlds and provide best fitted solutions to Banks and MFIs within the regulatory framework.
Reliable, Safe and Scalable back-end
Our platform embodies various back-end functions and logic to drive payments. Based on a Java2 Enterprise Edition(J2EE) foundation and supported by a highly reliable IBM DB2 database environment, the MOSS platform uses best-of-breed Industry Standard components and is composed of a number of modules: Telecom network interface Distribution network management Customers and retail network management Charging and limits Reconciliation, settlement and commissioning processing Promotional / Loyalty Reporting and Analytics AML /CFT
MOSS platform includes a module of paramount importance for any ‘Bank-led’ deployment. The Payment & Settlement Module allows a Clearing House designated and trusted by Financial Institutions to clear and settle all inter-institution transactions carried-out by customers and Agents of any participating Financial Institutions.
M-POS For the developing markets where Internet and smart phones are not widely available, MOSS has innovated and developed a Mobile POS based on a simple feature phone. It allows distributors, fuel stations, supermarkets or any business with multiple mobile or fixed sales agents to securely accept a payment on behalf of the organization they belong to.
Vouchers Management
MOSS platform offers a comprehensive, end to end voucher management solution which facilitates the complete life-cycle of voucher creation, distribution and management. Examples of supported Voucher types: Mobile Airtime Cash-in via voucher Utility Companies (Electricity, Water Internet etc) Retailers (gift vouchers, coupons etc)
APIs Our API with high security and multi factor authentication meets the highest standards and best practices of the payments industry. It allows validated third party systems to conduct transactions, receive transaction notifications and exchange transaction references or other data related to the transactions.
Promotional and Loyalty Management (PLM)
Driving mobile money adoption and usage through promotions and incentives is made easy with our advanced PLM tools. Incentives are powerful tools to drive Customers and Agents stimulation; our PLM Module empowers the Service provider with system generated time and /or volume based incentives such as: Free or reduced transaction fees Incentives (E-cash, vouchers or airtime) associated with any type of transaction including sponsoring/recommendations (Invite a friend) Promotion campaigns can be activated at different stages of the customer journey based on the required result.
Mobile App For those users equipped with a smartphone, we have developed a Mobile APP for Android phones to bring even more convenience to Customers, Retailers, Agents and Cashiers using our technology. Our APP communicates with our platform through USSD and SMS and therefore Users do not require Internet connectivity. The secure APP in addition to ‘traditional’ services offer an extended contact directory, transaction history, QR code payments and many other innovative facilities.
Our platform includes a comprehensive Reporting module and a set of pre-defined Reports allowing the service provider to closely monitor the activity of its customers, Agents and staff (Cashiers, KYC officers, etc…). Reports generated by the RMM can be categorised as follows: Activity and Analytic reports Financial reports Regulatory reports
MEDIA
MOSS Technologies (Dublin) 31/33 The Triangle, Ranelagh Dublin 6 - Ireland info@mossict.com Tel: +353 1 676 8968 MOSS ICT Consultancy SNAP Plaza, 2nd Floor Airport Road (Bole Rd) Addis Ababa – Ethiopia info@mossict.com Tel: +251 115 175 600
www.mbirr.com