APS Wallet is a digital payment solution that allows users to do cashless payment services like Person to Person transfer (Registered wallet user to registered wallet user), Domestic remittance (Registered Wallet user to non-registered wallet user), Mobile Topup for GSM operators (Africell, Qcell & Comium), Electricity Topup (Cashpower). It provides financial inclusion for people without access to the conventional banking system in the Gambia for their various financial needs.