M-Paisa
In 2008, Roshan introduced a service, M-Paisa. M-Paisa offers a money transfer service which enables registered Roshan customers to transfer money using their mobile phone for peer-to peer transfer, repayment of microfinance loans, purchase of airtime and salary disbursement for companies. Roshan partnered with Vodafone to launch this service
In the initial soft launch, Roshan learned that it needed to simplify the overall customer experience. In a country like Afghanistan, where the illiteracy rate is approximately 70%, users find it difficult to use SMS to transfer funds. Therefore, Roshan developed an Interactive Voice Response (IVR) system, a voice activated menu, in three languages, English, Dari and Pashto. IVR interface will be offered to the customers by dialling a short code; they are then directed to an intuitive voice menu that will guide them through the required steps to complete transactions.
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