LOMS Group
Of Companies

The services are operational across urban, peri-urban, and rural areas, ensuring widespread financial inclusion. Key regions include:

• Kampala
• Arua
• Koboko
• Yei
• Juba

The backbone of agency is the agent network, which consists of:

Registered Agents: Small business owners operating under our License and adhere to the terms of engagement

Agent Locations: Pekepay Services Limited located Atlabara.

Mobile money services are accessible to anyone with a mobile phone, even without a bank account. Key features include:

Peer-to-Peer Transfers:

• Send and receive money instantly via mobile phones.
• Widely used for remittances and family support.

Merchant Payments:

• Pay for goods and services at registered merchants.
• Increasingly popular in urban areas for retail transactions.

Airtime and Data Purchases:

• Top-up airtime and data bundles directly from mobile money accounts.

Savings and Loans:

• Access to micro-savings and loan products through mobile money platforms.

The operations rely on robust technology and infrastructure to ensure seamless service delivery:

Mobile Platforms:

• USSD codes and mobile apps for easy access to services.
• Compatible with basic feature phones and smartphones.

POS Devices:

• Used by agents to process transactions.
• Equipped with biometric authentication for security.

Network Connectivity:

• Partnerships with telecom providers to ensure reliable connectivity.
• Solar-powered devices in areas with limited electricity.

The services cater to a diverse range of customers, including:

Unbanked Populations:

• Individuals without access to traditional banking services.
• Primarily in rural and peri-urban areas.

Underbanked Populations:

• Individuals with limited access to financial services.
• Rely on mobile money for day-to-day transactions.

Small Businesses:

• Use agency banking and mobile money for payments, payroll, and cash management.

Youth and Women:

• Targeted through financial literacy programs to drive adoption.