PosteMobile

Description

Account management
This gives the user easy access to their account balance and transaction history. To create their account / M-Wallet, customers are received by an agent with a smartphone or a terminal that can manage the registration to the service.
Cash-in and cash out
The user can go to an agent, representative of PosteMobile in the field, to withdraw or deposit, debit or credit his / M-Wallet account safely.

Transfers from person to person
Users have several options to send money to a loved one: either through an agent, or directly from their traditional phone (IVR / SMS / USSD), or with the PosteMobile M-Wallet App .

Bill payments
The user can pay his bills easily and safely, with his simple phone or the M-Wallet application on his smartphone. He can get help from an agent. PosteMobile connects to the invoice issuer's information system to verify credentials and authorize the transaction. For this service, you can also use an interactive voice server, the USSD, or the smartphone application. This service is for customers with PosteMobile current accounts.

Contactless payments at points of sale
A user can easily and safely pay in a store using a simple mobile phone, regardless of model or operator. A merchant who subscribes to the PosteMobile service will be able to accept these payments, thus offering its customers the practical advantage of a contactless payment, which is both very secure and very simple. For this, the merchant must download the TP1600 application (via Google Play or the App Store). Securing transactions at a point of sale is ensured by NSDT technology.

Salaries & pensions
The user can receive his salary directly on his / M-Wallet account - a company that employs employees can benefit from the services of PosteMobile which uses the application for the payment of the payroll to the employees. For this service, the possible channels are SMS, the USSD or the M-Wallet application.

Saving
Real-time transactions change the savings habits of users. A user can credit a savings account as soon as he receives money (salary, pension, transfer). This flexibility in the management of its various accounts makes it possible to organize and manage its savings in a totally new way.

Loans, loans, advances on wages
Real-time technology and large-scale deployment of mobile phones will transform the way loans are allocated. With the new forms of evaluation and risk management (scoring), users will be able to obtain loans directly on their phone, much faster than before. PosteMobile will eventually offer microcredit and mesofinance loans.
These mobilized funds can be housed in banks (Banque Postale, LCB, etc.).

E-payments
The user can pay online with his phone by debiting his account / wallet. When settling on the merchant site, the user is redirected to the PosteMobile online payment system. The merchant site must reach an agreement with PosteMobile to offer its customers this simple and secure payment method.