{"id":54276,"date":"2024-01-20T22:39:53","date_gmt":"2024-01-20T22:39:53","guid":{"rendered":"https:\/\/www.africa-press.net\/mozambique\/all-news\/mobile-fintech-stalls-are-an-alternative-to-unemployment-in-maputo"},"modified":"2024-01-20T22:43:14","modified_gmt":"2024-01-20T22:43:14","slug":"mobile-fintech-stalls-are-an-alternative-to-unemployment-in-maputo","status":"publish","type":"post","link":"https:\/\/www.africa-press.net\/mozambique\/all-news\/mobile-fintech-stalls-are-an-alternative-to-unemployment-in-maputo","title":{"rendered":"Mobile fintech stalls are an alternative to unemployment in Maputo"},"content":{"rendered":"

Africa-Press – Mozambique. <\/strong><\/span>In the hustle and bustle of the heart of the Mozambican capital, no effort is spared to escape unemployment and, among the youth, the option now is the small improvised stalls of agents who sell financial services by mobile phone.<\/p>\n

\u201cI\u2019ve been doing this job for three years, and I do it normally, bearing in mind that young people nowadays have to chase opportunities in order to earn a living,\u201d Jorge Pinto told Lusa, a few metres from his stall set up between Eduardo Mondlane and Karl Marx avenues, in the centre of Maputo.<\/p>\n

Data from the latest population census (2017) by the National Statistics Institute indicates that, of the 32 million Mozambicans, around 9.4 million are young people, a third of whom have no job, schooling or vocational training.<\/p>\n

For many years, Jorge Pinto was part of these statistics, but in 2021, he decided to leave the province where he was born (Zambe\u0301zia) to become a mobile phone financial services agent in the capital.<\/p>\n

\u201cI was born in a country where things are a bit complicated, but I manage to support myself from this job. I can send some money, at least a thousand meticais [\u20ac14] a week, to my family in Zambe\u0301zia,\u201d adds Jorge Pinto, who, as well as financial services, sells sweets and biscuits from his improvised stall.<\/p>\n

Like so many other young people who have taken up this business, Jorge, 25, survives on the commissions taken from each transaction requested by a customer, which vary depending on the amount deposited or transferred from the three electronic money institutions belonging to the three mobile telecoms operators in Mozambique.<\/p>\n

\u201cThis business makes our lives easier. At least we avoid breaking into other people\u2019s houses to steal,\u201d said Jose\u0301 Sebastia\u0303o, another young mobile phone financial services agent, as he attends to a customer at his makeshift stall in the middle of Maputo\u2019s hustle and bustle, between 24 de Julho and Filipe Samuel Magaia avenues.<\/p>\n

Like Jorge Pinto, Jose\u0301 Sebastia\u0303o, 29, comes from Zambe\u0301zia province in the centre of Mozambique and, in search of opportunities, has also been in the business for almost three years.<\/p>\n

\u201cIt\u2019s enough to support the family,\u201d says Jose\u0301 Sebastia\u0303o, noting the growing number of people in the country looking for financial services by mobile phone.<\/p>\n

According to data from the Bank of Mozambique, in 2021, the country had 11,412,194 Electronic Money Institution (EMI) accounts and, the following year, 11,975,063. In 2023, this figure had skyrocketed to 16,607,021 by October alone, while the banks have almost 5.5 million accounts.<\/p>\n

\u201cMany people, especially in rural areas, don\u2019t have access to banks and therefore use these services. For example, I studied in Magude [in Maputo province], and there, most people don\u2019t have bank accounts. They use these services,\u201d Edilton Xavier, a client of Jose\u0301 Sebastia\u0303o, explained to Lusa.<\/p>\n

But the increase in the number of people looking for these services brings with it new challenges for the young people who have taken up the business, particularly scams, with increasingly sophisticated strategies, and even robberies of the agents, who are sometimes forced to carry cash from deposits made by clients.<\/p>\n

\u201cThere are a lot of scams, and all of us have to be vigilant. You have to check the person\u2019s name and number carefully during the transfer. Not only that, there are people who get our contact details and call to ask us to make transfers, with the intention of scamming us,\u201d laments Moise\u0301s Mateus, another agent whose stall is based in Karl Marx.<\/p>\n

Moise\u0301s Mateus also preferred to diversify his business and, in addition to mobile phone financial services, he also shines shoes.<\/p>\n

\u201cI\u2019m evolving slowly, so I\u2019m following the road. I\u2019m not going to stop,\u201d concludes the young agent.<\/p>\n

According to a statistical report from the central bank, with data from January to October, the EMIs totalled 401,178,582 transfers in this period \u2013 338.5 million operations in the whole of 2022 and 324.1 million in 2021 \u2013 handling more than 340.2 billion meticais (\u20ac4.86 billion).<\/p>\n

Mozambique currently has three Electronic Money Institutions, owned by the three mobile telecom operators, which provide financial services via mobile phone, including money transfers between customers or payment for services.<\/p>\n

Tmcel\u2019s mKesh Mobile Wallet was the first to be set up in Mozambique in 2012, followed by Vodacom\u2019s M-Pesa in 2013 and Movitel\u2019s e-Mola the following year.<\/p>\n

This is a solution that makes it easier and more widespread for the population to access financial services using only their mobile phones.<\/p>\n

In its budget proposal for 2024, the Mozambican government plans to continue its fiscal policy reforms to \u201cincrease the level of revenue collected\u201d, namely by \u201ctaxing the commissions of electronic money agents and institutions\u201d.<\/p>\n

For More News And Analysis About Mozambique<\/a> Follow Africa-Press<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Africa-Press – Mozambique. In the hustle and bustle of the heart of the Mozambican capital, no effort is spared to escape unemployment and, among the youth, the option now is the small improvised stalls of agents who sell financial services by mobile phone. \u201cI\u2019ve been doing this job for three years, and I do it […]<\/p>\n","protected":false},"author":84,"featured_media":54275,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,5],"tags":[233,281,283],"class_list":["post-54276","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all-news","category-economy","tag-africa-press","tag-africa-press-mozambique","tag-mozambique"],"yoast_head":"\nMobile fintech stalls are an alternative to unemployment in Maputo - Mozambique<\/title>\n<meta name=\"description\" content=\"In the hustle and bustle of the heart of the Mozambican capital, no effort is spared to escape unemployment and, among t ...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.africa-press.net\/mozambique\/all-news\/mobile-fintech-stalls-are-an-alternative-to-unemployment-in-maputo\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mobile fintech stalls are an alternative to unemployment in Maputo\" \/>\n<meta property=\"og:description\" content=\"In the hustle and bustle of the heart of the Mozambican capital, no effort is spared to escape unemployment and, among t ...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.africa-press.net\/mozambique\/all-news\/mobile-fintech-stalls-are-an-alternative-to-unemployment-in-maputo\" \/>\n<meta property=\"og:site_name\" content=\"Mozambique\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AfricaPressTunisiaa\" \/>\n<meta property=\"article:published_time\" content=\"2024-01-20T22:39:53+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-01-20T22:43:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.africa-press.net\/mozambique\/sites\/64\/2024\/01\/sm_1705777961.491549.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"832\" \/>\n\t<meta property=\"og:image:height\" content=\"555\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"cfeditoren\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"cfeditoren\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.africa-press.net\/mozambique\/all-news\/mobile-fintech-stalls-are-an-alternative-to-unemployment-in-maputo#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.africa-press.net\/mozambique\/all-news\/mobile-fintech-stalls-are-an-alternative-to-unemployment-in-maputo\"},\"author\":{\"name\":\"cfeditoren\",\"@id\":\"https:\/\/www.africa-press.net\/mozambique\/#\/schema\/person\/068c7ab4e9634ae78ec5d54ec46598bb\"},\"headline\":\"Mobile fintech stalls are an alternative to unemployment in Maputo\",\"datePublished\":\"2024-01-20T22:39:53+00:00\",\"dateModified\":\"2024-01-20T22:43:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.africa-press.net\/mozambique\/all-news\/mobile-fintech-stalls-are-an-alternative-to-unemployment-in-maputo\"},\"wordCount\":800,\"commentCount\":0,\"image\":{\"@id\":\"https:\/\/www.africa-press.net\/mozambique\/all-news\/mobile-fintech-stalls-are-an-alternative-to-unemployment-in-maputo#primaryimage\"},\"thumbnailUrl\":\"https:\/\/static.africa-press.net\/mozambique\/sites\/64\/2024\/01\/sm_1705777961.491549.jpg\",\"keywords\":[\"Africa Press\",\"Africa Press-Mozambique\",\"Mozambique\"],\"articleSection\":[\"all news\",\"economy\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.africa-press.net\/mozambique\/all-news\/mobile-fintech-stalls-are-an-alternative-to-unemployment-in-maputo#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.africa-press.net\/mozambique\/all-news\/mobile-fintech-stalls-are-an-alternative-to-unemployment-in-maputo\",\"url\":\"https:\/\/www.africa-press.net\/mozambique\/all-news\/mobile-fintech-stalls-are-an-alternative-to-unemployment-in-maputo\",\"name\":\"Mobile fintech stalls are an alternative to unemployment in Maputo - 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