HORUS strongly believes in the potential of information and communication technologies to expand the provision of financial services and facilitate access to such services for the most isolated populations, or to enhance the geographical outreach of MFIs at lowest cost.
HORUS has been active in branchless banking since 2006, and offers a unique combination of perspectives.
Opportunity & feasibility studies
As a consulting firm, HORUS has carried out several strategic assignments in branchless banking. Our sister company HORUS Telecom & Utilities has considerable experience supporting MNOs in implementing mobile banking projects.
Implementation of branchless banking strategies & services
As a manager of financial institutions HORUS has implemented branchless banking services using various business models.
Mobile banking technical solutions
Having developed and implemented our own mobile banking solution, “Noomadic”, in Mongolia (Xac Bank / AMAR) and Congo (Advans Banque Congo), we have acquired practical experience in dealing with the technical issues of mobile banking solutions.
Mobile Banking & Financial Institutions
Support for the implementation of Mobile Financial Services (MFS) in rural areas for Amret within the framework of the AGRIFIN program in Cambodia (World Bank financing, Amret, 2015).
Support for the implementation of mobile financial services at Advans Cameroun and development of the credit offer in rural areas (IFC/Mastercard foundation financing, Advans Cameroun, 2015-…).
Feasibility and opportunity studies for the introduction of mobile banking services on behalf of banks, governments or donors, in Tajikistan (GTZ, 2010) and in several countries in sub-Saharan Africa (KfW / DANIDA / UNDP, 2009-2011).
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