There are over 11 Million financially excluded or unbanked in South Africa due to uneasy financial systems or banking accessibility. eMalyami is a system built to automate transaction process. It is, mainly, targeted at peri-urban and rural societies who do not have access to financial facilities that help save their money and avoid costs. eMalyami channels through an application which means making it applicable on any Smartphone.

eMalyami is dedicated to improving the quality of life for our users, m-agents and the country that we serve. This, by contributing to the mobile banking system to create economic empowerment and financial inclusivity; as desired by Sustainable Development Goals. This while eliminating cost externalities and ensuring safety. We guarantee provision of service with integrity and fairness at all times, to earn the loyalty of our clients, staff and the community.