Enabler
A commerce ecosystem, inside the wallet.
Not a voucher shop. A marketplace, a rewards engine, a referral machine, a content and engagement surface and a credit rail, all running on the balance your customer already holds.
Source: Maly Boutique data warehouse, live performance in an existing mobile money market. Unaudited, describes past activity, not a forecast.
The ecosystem
Five things in one surface.
Over 1,000 SKUs across gaming, streaming, entertainment and shopping, bought in local currency straight from the wallet balance. New products added on request.
The categories that drive repeat purchase in these markets: subscriptions, game credit, streaming, app store and marketplace credit.
Points earned on purchases, referrals, campaigns and refunds. Refunds return as points rather than a support ticket, which keeps value inside the ecosystem.
A referral engine that turns customers into ambassadors through SMS and messaging invites, plus localised campaigns run jointly with the operator.
Deferred payment on the same rail, using pre-authorisation mandates and Maly Score, so a purchase can be split without a separate credit application.
Every purchase is structured transaction history. For a licensed institution this is the cheapest credit data it will ever acquire, and it is generated by customers who are enjoying themselves.
Why operators run it
It gives a wallet a reason to be opened on a Tuesday.
Send and receive is a utility. People open a utility when they have to. Commerce, rewards and gifting turn the wallet into something a customer opens because they want to, and every open is a chance to sell them a savings product or a loan.
- Every purchase settles through your account, so commerce becomes float and deposits
- Customer acquisition rides on the wallet's own distribution, at close to zero cost
- Referral and rewards drive organic growth rather than paid media
- Reachable through native app, mini-app, USSD short code and web
Native iOS and Android, mobile money mini-app, USSD short code and a progressive web app, so feature phone customers are not excluded.
Creative and promotions built for the market and run jointly with the operating company, in the local language.
Third party brands in the catalogue are the property of their respective owners and appear for catalogue illustration only. Availability, pricing and redemption terms depend on the supplier and territory.
Start the conversation
Give your wallet a reason to be opened.
Live in four to six weeks on rails we already run, under your brand, with settlement onto your book.