Maana Mobile is a mobile phone service that provides financial instruments appropriate for the unbanked population in South Africa using mobile phones. This mobile platform improves on everyday practices while building a track record that can lead to new trusted relationships and opportunities. It can be used by small businesses who give credit and offer lay byes to customers.

This presentation was given during a conference jointly organized by The Arab Monetary Fund and IFC on “Building a High Performance Small Medium Enterprise Business in the Arab World” on 7-8 May 2013 in Dubai, UAE.