To date, 84% of West Africans are excluded from the banking system (12/2017 – BCEAO). We believe that every person has the right to have access to financial services adapted to their means and their life context, without compromising on quality.
That’s why since 2011, Aviso Consulting has been investing in the development of financial inclusion and access to financial services for all by bringing its expertise to Mobile Money players.
Mobile Money gives low-income people access to an alternative to the traditional banking system with only a phone number and ID as proof.
With increasing growth rates over the last decade, Mobile Money has proven us to be much more than a simple access to a banking account . The ability to retain money in digital form allows users to feel safer and more independent. Bearing new opportunities for income and economic activities, it is recognized as an accelerator for achieving the eleventh United Nations Sustainable Development Goals (SDGs).
Based in Senegal, we are at the heart of the market and in direct contact with the concerns and expectations of customers on the African continent.
With more than 330 million accounts opened in Sub-Saharan Africa at the end of 2017 (GSMA), the popularity of Mobile Money is growing and we want to continue our efforts with telecom operators, banks, NGOs and fintechs to help them to build new strategies to contribute more widely to development efforts.
At Aviso Consulting, we have developed a broad experience in the design, deployment and optimization of mobile financial services, enabling our customers to secure their launch projects and accelerate their scale-up. Each market has its own specificity and we strive to share our experiences and adapt our interventions to the local context in which we operate.
Coming from the world of banking and telecoms, Benjamin Deransart and Sonia Annoussamy, partners of the firm, bring to their customers the complementarity of their specific expertise. With this approach, Aviso Consulting has developed its network by teaming up with experts who have operational experience with major players in Mobile Money in Africa.
Implementation of 6
Institutions in UEMOA,
DRC and Guinea
360° Vision : TELCO Clients,
Financial Sector, Distributors,
100% Value chain : Strategy, Marketing, Operations, Risks management, Compliance, Technology
Actor of MFX Partners network (Digital Financial Experts )
90% of our experts live in
A perfect knowledge of the actors
and the dynamics of local
Experience with implementation / deployment / commercial launch projects in Africa
Geographic proximity =
Availability & Reactivity
80% North /
Bank / Telecom
>10 years of individuel
Proficiency in local
languages of French &
Cultural proximity =
experience of country
Projection capacity of
teams based in west
Ability to mobilize
MFS experts in East
Africa (MFX Partners)
MFS Organization Expert, Central banks agreements, Implementation
MFS Compliance Expert, Risks Management, AML KYC, Interoperability
Partnerships, Distribution, Marketing
MFS IT Expert
IT Integration, Deployment, Migration, Service Delivery
MFS Commercial launch, Distribution, Due diligence, Partnerships
The Aviso firm, accompanied us in launching our Wizall Money business in Africa. Their expertise and know-how allowed us to be operational very quickly and to fully integrate the entire environment (regulatory, operational, distribution, services ...) of Mobile Money. They knew how to adapt to our expectations and our challenge with a real professionalism.
Aviso assisted us in the definition and development of new payment methods and digital services for our customers at gas stations. Their understanding of the market, their ability to create business cases and implement them made us deploy services and strategic partnerships in areas that were outside of our core business.
Three illustrations of what we are capable to do.