Electronic Money Establishments launched in Africa


Years of Experience



22 500 000

End Users impacted by our missions

About Aviso Consulting

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.

Our expertise

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.

Our Added Value

Digital finance experts

Implementation of 6
Electronic Money
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 )

We live IN the market

90% of our experts live in
West Africa

A perfect knowledge of the actors
and the dynamics of local

Experience with implementation / deployment / commercial launch projects in Africa

Geographic proximity =
Availability & Reactivity

A multicultural team

80% North /
South profiles

Bank / Telecom

>10 years of individuel

Proficiency in local
languages of French &

Cultural proximity =
Efficient Change

Intervention Everywhere on the continent

UEMOA Experiences,
CEMAC, Guinea,
DRC, etc.

experience of country

Projection capacity of
teams based in west

Ability to mobilize
MFS experts in East
Africa (MFX Partners)

Our Activity

Ecosystem discovery

Understand the Digital Finance ecosystem to identify exploitable growth opportunities.

Design of MFS activity

Design the service and target activity, taking into account the needs of the market, the realities of the field, the maturity of the ecosystem, regulatory requirements, technical and organizational needs. Define the revenue model and the Bcase of the activity.

Partners sourcing

Identify the types of partnerships to implement, the potential actors, assess their technical, organizational and financial capacity. Analyze revenue models to identify leverage.

Commercial launch

Build the offers and the distribution network, set up partnerships, formalize processes and operations, deploy the technical solution, build the compliance and risk management system, design the communication materials, test the solution, pilot the project implementation.


Benchmark activity based on KPIs and industry best practices, identify growth opportunities, design solutions to set up, build the roadmap for upgrading.

Our Experts

Sonia Annoussamy
Sonia Annoussamy

Aviso Partner
MFS Organization Expert, Central banks agreements, Implementation

Benjamin Deransart
Benjamin Deransart

Aviso Partner
MFS Compliance Expert, Risks Management, AML KYC, Interoperability

Laurent Duprey
Laurent Duprey

MFS Expert
Partnerships, Distribution, Marketing

Roland Rakotondrabe
Roland Rakotondrabe

MFS IT Expert
IT Integration, Deployment, Migration, Service Delivery

Yannick Bigot
Yannick Bigot

MFS Expert
MFS Commercial launch, Distribution, Due diligence, Partnerships

Damien Caizergues
Damien Caizergues

MFS Consultant

Our Clients

Mobile Money
Mobile Money
Mobile Money
Cabinet de conseil Afrique de l'Ouest
Mobile Money Consulting Firm
Conseil en paiement mobile
Inclusion financière
Inclusion Financière



Aviso partner

Tel: +352 691 991 701 (Luxembourg)
Skype: benjamin.deransart



Aviso partner

Tel: +221 78 143 9887 (Sénégal)
Skype: sannoussamy