Bringing Economic Opportunity to the Un-banked: FrontlineSMS:Credit

For citizens of the developed world, the process of transferring, saving and managing money is as simple as visiting one of many bank branches near us or by using a debit card. Making purchases, obtaining loans and establishing credit enable us to purchase a home, start a business or send funds to relatives. In Kenya and many other developing countries, this process is much more difficult.

Without the baseline infrastructure that many of us take for granted, such as an extensive road and highway system or postal service, shipping goods or cash is a risky process. FrontlineSMS:Credit developed our software, PaymentView, for exactly this audience. Leveraging mobile payment systems and existing banking software, we are bringing financial services, including savings, credit, insurance and payroll, to those that traditional banking systems do not reach. Our mission is to effect social change and facilitate transactions in a way that previously wasn’t possible. More