IMB Financial Services (www.imb.co) is a Fintech start-up based in South Africa mobilizing money through cell phone technology to create wealth & solve real world problems in emerging markets. Our objective is to provide financial dignity for everyone. IMB has developed a solution which offers financial transaction capability and products for consumers, corporates, financial service providers and the community. The factors that make IMB unique are: • The IMB offering is both network and bank agnostic, meaning that the offering is not limited by geography or relationship. • IMB offers full transaction capability via the Internet or mobile phone. The IMB offering provides full functionality from any mobile phone, not just a feature or smart phone. • IMB provides for the sale of airtime, electricity, Metrorail (Prasa) tickets or any virtual service on any phone. • IMB integrates the virtual Internet and mobile world with the real world of goods and cash with an IMB debit card, allowing customers to swipe for goods and services and withdraw cash. • The IMB ecosystem can be rolled out anywhere – even where there is no traditional banking or financial services infrastructure providing for the rapid development of a national or international footprint. • The IMB ecosystem includes employers, transport providers, retailers, service providers and consumers providing the ability to make payments, collect premiums and automate administration. IMB has a unique capability and technology to serve the mass market. IMB is able to service existing markets and extend to markets that have historically been neglected due to complexity and cost by providing cost-effective, accessible products, systems and technology.