Our new income streams: (1) commissions on the sale of airtime (SMART Telecom), (2) share in the remittance fees earned by mobile banking units – SMART Money, (3) share in the installation of ATM machines and hosted core banking systems in PFIs, (4) share in ATM transaction fees.The major foreign creditors are: MicroVest (USA), Oikocredit (Netherlands), DWM (USA), SNS (Netherlands), PlaNIS (France), ResponsAbility (Switzerland), CARE USA and Symbiotics (USA).
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