{"id":1063,"date":"2020-05-29T14:44:22","date_gmt":"2020-05-29T14:44:22","guid":{"rendered":"https:\/\/www.reloadly.com\/blog\/?p=1063"},"modified":"2021-10-05T11:53:51","modified_gmt":"2021-10-05T11:53:51","slug":"api-mobile-money","status":"publish","type":"post","link":"https:\/\/blog.reloadly.com\/blog\/api-mobile-money\/","title":{"rendered":"Mobile money APIs are transforming Africa: MFS Africa\u2019s founder explains how"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_46 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69e8e9c12f51c\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #000000;color:#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #000000;color:#000000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69e8e9c12f51c\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-visibility-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/blog.reloadly.com\/blog\/api-mobile-money\/#What_is_a_mobile_money_API\" title=\"What is a mobile money API?\">What is a mobile money API?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blog.reloadly.com\/blog\/api-mobile-money\/#Common_use_cases_for_mobile_money_APIs\" title=\"Common use cases for mobile money APIs\">Common use cases for mobile money APIs<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/blog.reloadly.com\/blog\/api-mobile-money\/#APIs_creating_digital_records_for_Africans\" title=\"APIs creating digital records for Africans\">APIs creating digital records for Africans<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/blog.reloadly.com\/blog\/api-mobile-money\/#Best_practices_of_a_mobile_money_API_provider\" title=\"Best practices of a mobile money API provider\">Best practices of a mobile money API provider<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/blog.reloadly.com\/blog\/api-mobile-money\/#Mobile_money_and_airtime_Enabling_the_worlds_largest_prepaid_customer_base\" title=\"Mobile money and airtime: Enabling the world&#8217;s largest prepaid customer base\">Mobile money and airtime: Enabling the world&#8217;s largest prepaid customer base<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/blog.reloadly.com\/blog\/api-mobile-money\/#Final_thoughts\" title=\"Final thoughts\">Final thoughts<\/a><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">Mobile transactions have become the bedrock of Africa\u2019s emerging economies. Across the continent, mobile money enables budding e-commerce empires, makes remittances affordable, and creates new forms of digital identity. <\/span><span style=\"font-weight: 400;\">Yet, none of this would be possible without the growing ecosystem of mobile money API platforms that interconnect all of these digital products and services. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">The challenge for businesses today is that developing in-house mobile money APIs is complex. Meeting the needs of numerous mobile money platforms and telecom operators can result in a vendor offering fragmented services. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">This reality has overseen the growth of mobile money API aggregators. A booming industry, these software companies endeavor to add harmony to the digital payment ecosystem. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">We spoke with <\/span><a href=\"http:\/\/mfsafrica.com\/\"><span style=\"font-weight: 400;\">MFS Africa<\/span><\/a><span style=\"font-weight: 400;\">, one of Africa\u2019s leading mobile money API providers, to get the pulse on how these technical platforms are engineering economic expansion across the world\u2019s fastest-growing continent. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Headquartered in Johannesburg, MFS Africa enables over 200 million mobile money users across 34 countries in sub-Saharan Africa, offering integration with all major telecom operators. Founder and CEO Dare Okoudjou says this user base makes MFS Africa the largest mobile money API platform in the world. And he is aiming higher. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cOur intention is to collect 400 million mobile money users across all of Africa,\u201d says Okoudjou. \u201cWe are focusing a lot of our energy now to go really deep into the continent.\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Below is a quick review of what we discussed with Okoudjou over a recent Zoom call. <\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><a href=\"#How would you define a mobile money API?\">How would you define a mobile money API?<\/a><\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><a href=\"#What are the most common use cases for mobile money APIs?\">What are the most common use cases for mobile money APIs?<\/a><\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><a href=\"#What qualities make a great mobile money API provider?\">What qualities make a great mobile money API provider?<\/a><\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><a href=\"#How is mobile money enabling prepaid customers in Africa?\">How is mobile money enabling prepaid customers in Africa?<\/a><\/span><\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"What_is_a_mobile_money_API\"><\/span><a name=\"How would you define a mobile money API?\"><\/a>What is a mobile money API?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure id=\"attachment_1069\" aria-describedby=\"caption-attachment-1069\" style=\"width: 200px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-1069 size-medium\" src=\"https:\/\/www.reloadly.com\/blog\/wp-content\/uploads\/2020\/05\/Dare-okoudjou-api-mobile-money-200x300.jpg\" alt=\"api-mobile-money-dare-okoudjou-mfs-africa\" width=\"200\" height=\"300\" srcset=\"https:\/\/blog.reloadly.com\/blog\/wp-content\/uploads\/2020\/05\/Dare-okoudjou-api-mobile-money-200x300.jpg 200w, https:\/\/blog.reloadly.com\/blog\/wp-content\/uploads\/2020\/05\/Dare-okoudjou-api-mobile-money-683x1024.jpg 683w, https:\/\/blog.reloadly.com\/blog\/wp-content\/uploads\/2020\/05\/Dare-okoudjou-api-mobile-money-768x1152.jpg 768w, https:\/\/blog.reloadly.com\/blog\/wp-content\/uploads\/2020\/05\/Dare-okoudjou-api-mobile-money-1024x1536.jpg 1024w, https:\/\/blog.reloadly.com\/blog\/wp-content\/uploads\/2020\/05\/Dare-okoudjou-api-mobile-money-1365x2048.jpg 1365w, https:\/\/blog.reloadly.com\/blog\/wp-content\/uploads\/2020\/05\/Dare-okoudjou-api-mobile-money-scaled.jpg 1707w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><figcaption id=\"caption-attachment-1069\" class=\"wp-caption-text\">MFS Africa Founder and CEO Dare Okoudjou<\/figcaption><\/figure>\n<p><span style=\"font-weight: 400;\">In essence, an Application Programming Interface (API) is a piece of software that creates a link between applications. <\/span><span style=\"font-weight: 400;\">Therefore, mobile money APIs are software that connect digital payment platforms with telecom networks. This benefits the user because they no longer need to manage vast telecom networks and bank accounts. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Okoudjou uses a light bulb and electric socket analogy to explain further:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cCustomers don&#8217;t need to worry about who made the socket or how the socket gets electricity. They simply need to buy a light bulb that fits in that socket.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cAPIs work pretty much the same way. <\/span><b>With mobile money, for instance, APIs allow developers to completely ignore how the payment part of the process will work and simply rely on just getting the right light bulb [in this case, their platform] to fit into the socket.\u201d<\/b><\/p>\n<p><span style=\"font-weight: 400;\">If a charity in Norway wants to make transfers to community school teachers in Uganda, the use of mobile money APIs can help. By linking their platform with an API, they connect to a number of different mobile money providers in Uganda. The charity will thus no longer need to concern itself with individual account information. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">The magical benefit of APIs happens when the organization frees up it&#8217;s time to focus on their core activity &#8212; managing a database of teacher information &#8212; leaving the API technology to execute all of its payments across Uganda. <\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Common_use_cases_for_mobile_money_APIs\"><\/span><a name=\"What are the most common use cases for mobile money APIs?\"><\/a>Common use cases for mobile money APIs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Mobile money APIs cover a broad range of specific functions. This includes a large ecosystem of individual APIs that carry out the behind-the-scenes interactions of online commerce. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Indeed, an average online transaction will include several mobile money APIs. These all execute distinct functions that the end-user experiences as a single action. <\/span><\/p>\n<p><b>The end-user&#8217;s experience with mobile money APIs usually involves the two most common APIs: debit APIs and credit APIs<\/b><span style=\"font-weight: 400;\">, which allow customers to collect and pay-out money, respectively. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">These are the two sides of the payments coin in mobile money transfers. But this activity needs to be managed, which is where account verification APIs enter the process. This API will carry out security checks, such as ensuring that the recipient is linked to an active mobile money account. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">The mobile money API ecosystem then branches out from here, including a web of APIs designed for very specific use cases. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">A balance check API is used to ascertain whether or not a certain balance guideline is being met. For some mobile money platforms, there is a balance limit, which must be checked and approved to execute the transaction. If the current balance is not without the guidelines, the API detects the error and freezes the account. <\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"APIs_creating_digital_records_for_Africans\"><\/span><span style=\"font-weight: 400;\">APIs creating digital records for Africans<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Crucially, the heavily regulated world of digital finance requires fiduciary oversight of all account holders. For this reason, there are Know Your Customer (KYC) APIs that trace the digital identities of end-users by establishing online records of their name, legal ID, official address and other personal information. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">In Africa, the widespread use of mobile money has had the corollary effect of creating an identity database for millions of people that were not only previously unbanked &#8212; but also unidentified. This realization has thrust the importance of APIs to center stage. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cThere is a growing demand for KYC APIs,\u201d says Okoudjou. \u201cThey create a digital record for identity and show that mobile money APIs have use cases that can go far beyond payments. <\/span><\/p>\n<p><b>\u201cKYC APIs provide a way of verifying people. You could also use this tool to measure demographics that could be put to use at a government policy level. Africans not only become banked; they become visible.\u201d <\/b><\/p>\n<p><span style=\"font-weight: 400;\">This is not the only mobile money API that is valuable outside of the financial realm. The e-signature API, used to validate transactions, could also one day enable people to vote electronically. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cAn e-signature API can prove that it was you that provided validation, so it becomes a standard form of authentication. With this, we imagine how to run better elections,\u201d reflects <\/span><span style=\"font-weight: 400;\">Okoudjou. <\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_practices_of_a_mobile_money_API_provider\"><\/span><a name=\"What qualities make a great mobile money API provider?\"><\/a>Best practices of a mobile money API provider<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As we have heard above, there is a diverse constellation of APIs that a mobile money API provider can offer. <\/span><\/p>\n<p><b>Companies that build a large inventory of APIs that are accessible via a single-point are known as API aggregators.<\/b><span style=\"font-weight: 400;\"> They gain the best reputations by establishing credibility within specific niches, and by delivering a unique and standardized API, regardless of what APIs or services it integrates with.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cThe first thing is to realize that it is always APIs with an \u2018s\u2019,\u201d Okoudjou says. \u201cWe must be able to break things down into pieces; not every customer needs every API at the same time.<\/span><\/p>\n<p><b>\u201cWhen APIs in a single sector are broken down, that is when developers can pick and choose what they want,\u201d <\/b><span style=\"font-weight: 400;\">Okoudjou says. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Within the mobile money ecosystem, it is best practice to build a standardized API on top of the industry\u2019s core APIs, aggregating debit, credit, account validation and KYC APIs in one place. This creates harmony within the customer\u2019s business interactions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This, of course, also applies to Reloadly, which specializes in the mobile airtime API ecosystem, offering a top-up API that includes a wide variety of related APIs, such as a <\/span><a href=\"https:\/\/www.reloadly.com\/products\/data-bundles\"><span style=\"font-weight: 400;\">data bundle API<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.reloadly.com\/products\/airtime\"><span style=\"font-weight: 400;\">airtime API<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cThe best practice in terms of API management is aggregating a wide offering that allows different developers to achieve a specific goal in one place. That is what Reloadly is doing when it comes to airtime. And in many ways, that&#8217;s also what MFS Africa is doing when it comes to mobile money.\u201d <\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Mobile_money_and_airtime_Enabling_the_worlds_largest_prepaid_customer_base\"><\/span><a name=\"How is mobile money enabling prepaid customers in Africa?\"><\/a>Mobile money and airtime: Enabling the world&#8217;s largest prepaid customer base<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Put simply, mobile money is the payment bridge that helps customers stay connected on their mobile phones. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">In Africa, where most opt for prepaid mobile plans, enabling the ability to conveniently top-up helps to connect entire nations. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Africa is a world leader in non-contracted telecommunications. An enormous <\/span><b>95 <\/b><b>percent of mobile subscribers<\/b><b> in <\/b><b>Africa<\/b><b> have chosen a <\/b><b>prepaid <\/b><b>service<\/b><span style=\"font-weight: 400;\">, by far the largest ratio in the world. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">This presents unique commercial challenges for businesses wishing to sell electronic products on the continent. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cWhen the first iPad came out, there was no way to load them with prepaid airtime or data bundles because Apple just assumed that everybody is on some sort of contract,\u201d remembers <\/span><span style=\"font-weight: 400;\">Okoudjou. <\/span><\/p>\n<p><b>\u201cBut in Africa, few people are on contracts. You have to be able to top-up.\u201d <\/b><\/p>\n<p><span style=\"font-weight: 400;\">Silicon Valley tech titans aren&#8217;t the only ones to make this blunder. IoT-enabled smart appliance retailers are now repeating this scenario, Okoudjou pointed out during our conversation. Once again, companies are not quite connecting with Africa\u2019s prepaid-dominated societies. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is here that <\/span><a href=\"https:\/\/www.reloadly.com\/blog\/how-airtime-is-used-as-money\/\"><span style=\"font-weight: 400;\">airtime APIs can be used as a medium of currency<\/span><\/a><span style=\"font-weight: 400;\">, with users paying through mobile money platforms to add credit to IoT devices that otherwise lack interfaces. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201c<\/span><span style=\"font-weight: 400;\">There is no interface on smart fridges and there probably never will be. And if we have to put a screen there just to reload it, that will be a waste of resources.\u201d <\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Final_thoughts\"><\/span><span style=\"font-weight: 400;\">Final thoughts<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Mobile money APIs are the unsung heroes of Africa\u2019s economic emergence. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Behind the scenes, mobile money API aggregators are building standardized and innovative technical solutions to big challenges. Through one access point, their APIs enable developer teams of all sizes to facilitate commerce in the world\u2019s fastest-growing continent. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">In a continent attached to prepaid plans, smart electronics will only fortify the bridge between mobile money and airtime APIs. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is up to API aggregators like Reloadly to ensure that international businesses can easily, efficiently and securely access Africa. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Through its airtime API hub, Reloadly links its customers to a network of large mobile operators in <\/span><a href=\"https:\/\/www.reloadly.com\/operators\/malawi-airtime\"><span style=\"font-weight: 400;\">Malawi<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.reloadly.com\/operators\/nigeria-airtime\"><span style=\"font-weight: 400;\">Nigeria<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.reloadly.com\/operators\/senegal-airtime\"><span style=\"font-weight: 400;\">Senegal<\/span><\/a><span style=\"font-weight: 400;\"> and other countries.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As mobile money APIs continue to empower hundreds of millions of more Africans, their relationship with airtime APIs will become more significant.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;Mobile money APIs allow developers to completely ignore how the payment part of the process will work.&#8221;<\/p>\n","protected":false},"author":13,"featured_media":1066,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[216],"tags":[145,182,180,51,185,184,183,186],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v15.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Mobile Money APIs Are Transforming Africa | Reloadly<\/title>\n<meta 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