Ethan Laub Executive Director - Marketing ethan@mossict.com Ethan Laub is Head of Marketing at MOSS ICT in Ethiopia. Prior to joining MOSS, Ethan held a variety of management positions at leading U.S. companies, including roles in Marketing, Product Management, and Account Management. Ethan is also a technology entrepreneur, having founded TripScanner, a business travel technology company. In 2015, TripScanner was acquired by Coupa Software, a publicly-traded enterprise software company in Silicon Valley. Following the acquisition, Ethan served as Product Manager for Coupa, overseeing their mobile apps and Expense Management software module. Previously, Ethan worked for 10 years at American Express in its Strategic Planning, Commercial Card, and Business Travel divisions. Ethan holds an MBA from Harvard Business School and a BSc in Economics from the Wharton School, University of Pennsylvania.

___________________

Gauthier de Gerlache Head of MIS and Business Tools gauthier@mossict.com Gauthier de Gerlache has over 15 years experience in the private sector at international level. He started working in communication and political lobby with the Brussels consultancy firm Interel before joining the financial and banking sector at Kredietbank Luxembourg and at Belficor. He then turned to the real economy with managerial positions in several companies like Compagnie Sucrière in Democratic Republic of Congo, Brasserie de la Cambre in Belgium, and Heineken in Ethiopia, each time focussing on Business Development alongside additional managerial, commercial, lobbying and financial tasks. He joined MOSS Ict in April 2019 and is Head of Management Information System and Business Tools.

___________________

Rahel Ali Head of Sales Support and Projects

___________________

rahel.ali@mossict.com Rahel has more than 10 years’ experience in customer service, managing projects operations and program supports, in local and international organizations. She has joined MOSS in May 2018, in the capacity of Customer Service Manager, currently working as a Corporate Project Manager, leading the projects work of the company. In addition Rahel, was assigned by MOSS management as a Social and Environment Officer, this role helped her to work on her passion of organizing social events, such as group running, blood donation, charity events etc. Previously Rahel has worked for Kifiya Financial Technology.where she managed the Customer Service function, while in Kifiya, she served as a working committee for the deployment of nationwide digital e-ticketing system. She has also worked at PATH Ethiopia, an international NGO, managing projects operations, she was part of a global project team, played a significant role in organizing large scale project operations. She has an MBA from Indira Gandhi National Open University/IGNOU/ and BSC in Business Education for Addis Ababa University.
Paul Boyle MOSS Group CTO paul@mossict.com Paul joined MOSS ICT in 2019 as CTO. Paul has spent the last number years working with SMS and Mobile Money providers throughout Africa. Prior to that Paul has a further decade of experience working in the telecommunications environment. From building SIP VOIP based technologies down to helping design switches. Paul has had a had a number of senior technical roles in companies ranging from small initial stage startups through to large multinational corporations. He has extensive experience launching new products and services, particularly in the African continent. Prior to working with in the Mobile Money space in Africa, Paul started off being an academic. Paul possesses a PhD in Computational Physics and published extensively in that field.

___________________

Azeb G/Mariam Head of HR & Administration azeb.gebremariam@mossict.com  Azeb Gebremariam joined MOSS ICT Consultancy in January 2019 in the capacity of HR and Admin Manager. In this position she leads the overall human resources functions of recruitment, benefit package administration, exit management etc. Further Azeb is in charge of coordinating the provision of quality administrative services such as logistics management, Fleet management, procurement, to the company. Previously Azeb worked for the largest mobile operation in Ethiopia, ethio telecom there she managed the Human Resources Department and participated in the role-out of innovative projects. During her career Azeb was involved in the development of HR related polices and proposals, reviewing organizational structures , work force strategy, identifying and recruiting top level management talent ,managing labor relations and overseeing Logistics and procurement activities. Azeb has Master Degree in Human Resources and organizational Development from Addis Ababa University and BA degree in Business Management from Jimma University.

___________________

Endashaw Tesfaye Executive Director - Business endeshaw.tesfaye@mossict.com Endashaw has over 10 years of experience in customer service, marketing and business development and five years of experience in mobile money industry in which he served MOSS ICT at variety of expertise including key accounts manager, business development manager and relationship with financial institutions in the delivery of mobile money service using MOSS software. Currently Endashaw is serving the company at Comercial manager position leading the team towards success. Endashaw holds Masters in Business Administration with great distinction from International leadership Institute and BA in Economics from Haromaya University in Ethiopia.

___________________

Thierry Artaud Co-Founder, Executive Chairman and CEO of MOSS Technologies thierry@mossict.com Thierry has a broad international experience of over 30 years in Business and Business Management, mainly in the ICT and Telecom sectors. Prior to co-founding MOSS, Thierry established the KTF Group, a French/Irish investment house providing financial products & services for investment. Thierry has a Master's degree in scientific innovation from the University of Angers and an MBA from the University of Nancy.

___________________

Debebe Bekele Head of Finance debebe.bekele@mossict.com Debebe has more than eight years of experience in the education sector being a teacher, director and supervisor in various government and private schools. Debebe has also six years of experience in the audit and finance sector, worked as senior auditor at A.A. Bromhead and Co. chartered accountants, a UK registered auditor for 5 years. Debebe has a B.Sc. in biology and BA in accounting and finance from Addis Ababa University, BA in economics from Unity University, Advanced diploma in ACCA and currently ACCA finalist.

___________________

Desta Bayissa Deputy-CEO of MOSS ICT Consultancy

___________________

desta@mossict.com Desta Bayisa is the Deputy CEO at MOSS ICT with over 9 years of combined experience in the digital finance and off grid pay go solar industry. Desta spearheaded the design and execution of largest M-BIRR mobile money cash transfer projects in Ethiopia and relocated to Nairobi in 2017 to manage Azuri Technologies key pay go distribution initiatives in East Africa. Within Azuri Technologies missions, Desta Commanded special projects, helped strategic process developments and coordinated key distribution operations in East Africa including Kenya, Ethiopia, Tanzania, Zambia and recently relocated to Addis Ababa to manage MOSS strategic mobile money operations. Working in development infrastructures both in digital finance and solar energy environments, Desta Possess a broad understanding of the disadvantaged East African community, and he is continuously dedicating his expertise to improve the lives of millions of beneficiaries. Trained in contemporary Ethiopian fintech policy, Desta is presently supporting uptake of mobile money services across Ethiopia. At MOSS ICT consultancy, Desta is responsible for identifying and developing new high impact projects. Desta is a graduate of Addis Ababa University in International Relations and Master’s degree in Economics from YOM Institute of Economic Development.
Kalkidan Fikadu Head of Sales Strategy and Business Development

___________________

kalkidan@mossict.com Kalkidan has over 8 years of experience in agent network, customer service in digital financial services, and as sales consultant. She used to work as a sales consultant in Access capital PLC and African vacation PLC where she started her career path for over 2years. She has 5 years of experience in digital finance industry when she works for Kifiya Financial Technology PLC in Network operation department in agent network service management and as customer care officer in customer service department. After leaving Kifiya she joined MOSS ICT consultancy where she used to work as network and compliance manger for a year. Kalkidan is currently working as customer care and network manager where she manages the M-Birr service agent network and customer service units. Kalkidan has MBA in Marketing Management from Rift Valley University and a BA Degree in Economics from Axum University in Ethiopia.
Aleksandra Ljubinkovic COO of MOSS Technologies

___________________

aleks@mossict.com Aleksandra has over 25 years of international experience in financial services, the online industry and startups. Before joining MOSS she co-founded and delivered an online platform for a CRE lending startup in Ireland and engaged in varied consultancy work for startups. Prior to this she held senior leadership positions at Google, Bank of Scotland and Dell, always at the forefront of introducing new products and business models, building teams and setting up businesses from scratch. She is a Swedish national, educated in Sweden and France, and holds an MSc from the Royal Institute of Technology in Stockholm and an MBA from INSEAD in Fontainebleau.
Amanuel Wubie IT Manager amanuel.wubie@mossict.com Amanuel is an Information Technology leader with years of diverse experience in Information Technology Operations, Information Risk & Compliance and Enterprise IT Infrastructure. Driven by making a difference and working towards contributing to Ethiopia’s digital transformation, Amanuel is highly skilled in building Reliable IT Infrastructure, State of the art Information Technology Posture & Cyber Security program developments. Amanuel works with MOSS ICT’s qualified team of IT engineers to deliver optimal information technology systems and products. Amanuel has more than a dozen industry certifications working with many well-known IT Vendors. CISSP|CEH|CCNP-Sec|NSE5|NSE4 and More

___________________

Hussen Seid Senior Product Manager hussen.seid@mossict.com For the past six years, Hussen Seid has been working in Mobile Money, Banking and Agricultural Industry with different and diversified roles. Product Management, Mobile Money Operations, Financial Planning and Analysis, Business Analytics, Data Mining, and Business Intelligence are Hussen’s area of expertise in which he contributed a lot to the companies he was working before. Hussen has a BA degree in Economics from Jimma University, Post Graduate Diploma in Computer Science and Master of Software Engineering from Higher Learning Centre of Excellence (HiLCoE). Hussen Joined MOSS in 2018 as Business Analytics Manager role I which he contributes a lot in the data-driven decision-making process, and currently responsible to manage the M-Birr Products as a Senior Product Manager. Prior to joining MOSS, Hussen has been working at Commercial Bank of Ethiopia, BelCash(HelloCash) and EthioChicken.

___________________

 
Pioneer and Leading Mobile and Agent Banking Technology Service Provider in Ethiopia since 2010
Locations

38,000+

Customers

1,800,000+

Birr Transacted

35+ Billion

With our Technology the M-BIRR Service has reached
We are MOSS Our team helps you to progress and grow faster
The MOSS Group is composed of two entities: MOSS Technologies, established in Dublin, Ireland MOSS ICT Consultancy, established in Addis Ababa, Ethiopia
What We Offer MOSS offers Financial Institutions a turnkey mobile money platform that can be deployed with minimal up-front-investment in as little as 6 weeks. MOSS offers proven technology, customer support, marketing and business development services to support our clients. First-in-class Established in 2009 as a spin-off of a long established mobile communication middleware company, MOSS pioneered mobile money services in Ethiopia with the launch of M-BIRR.
MANAGEMENT TEAM
INVESTORS
The European Investment Bank is the world’s largest international public bank, owned directly by the 28 European Union member states. It is the long-term lending institution of the European Union owned and makes long-term finance available for sound investment in order to contribute towards EU policy goals. As a subsidiary of the KfW Group, DEG offers financing, advice and support to private sector enterprises operating in developing and emerging-market countries. Finnfund is a Finnish development finance company that promotes sustainable development by providing long-term risk capital for private projects in developing countries.
PARTNERS
Mastercard is a technology company in the global payments industry. Their global payments processing network connects consumers, financial institutions, merchants, governments and businesses in more than 210 countries and territories. Mastercard products and solutions make everyday commerce activities – such as shopping, traveling, running a business and managing finances – easier, more secure and more efficient for everyone. NCL Technologies is a leading supplier in mobile application development. NCL has more 18 years experience in mobile software products and clients across the globe including mobile operators such as Vodafone, O2, MCel Safaricom and OEM suppliers such as Ericsson. MOSS will use NCL products as part of the mobile network infrastructure and connectivity.
Why MOSS in Ethiopia ?
MOSS helps financial institutions meet Ethiopian government requirements of increased financial inclusion. Our turn-key solutions can be implemented in a matter of weeks, with minimal up-front investment.
OUR CLIENTS IN THE FINANCIAL SECTOR OF ETHIOPIA We serve 6 of the largest financial institutions in Ethiopia, with over 5 million combined customers across the country.
ADCSI ACSI OCSSCO
OMFI Dedebit PEACE
www.mbirr.com The above Financial Institutions deliver the M-BIRR Mobile Money Service
SOLUTIONS
MOSS Mobile and Agent Banking Technology delivers a host of mobile money services that transforms the way consumers transfer and spend money. Built around a stored value account, the solution empowers consumers to securely make merchant payments, pay bills, and send or receive money using a mobile. Further, consumers can gain access to expanded micro-financial services such as savings, loans and insurance; businesses can credit salaries while governments and non-Governmental Organisations can disburse cash subsidies, relief aid and make other bulk payments. MOSS Platform is designed to seamlessly integrate consumer touch points with a wide ecosystem of Banks and Micro-Finance Institutions, service providers, merchants and third-party payment systems, creating a convergence powered by interoperability. Apart from delivering convenience to consumers, the solution enables financial service providers to acquire new customers, create long-term loyalty with existing ones, and seize new revenue opportunities to increase their footprint in the market. To the financial service provider, MOSS Technology solution offers detailed administration of financial services and reporting. The scalable architecture of the solution allows it to function at multiple hierarchies and deploy to markets of any size and transaction volumes. MOSS Platform also enables the financial service provider to offer attractive promotions and loyalty programs to agents and customers.
Bridging the Telco and Financial worlds Financial regulation in Ethiopia only allow regulated financial Institutions to deliver Financial Services such as Mobile and Agent Banking. As such, MOSS Technology and Services are tailored to bridge the telecom and financial worlds and provide best fitted solutions to Banks and MFIs within the regulatory framework.
Reliable, Safe and Scalable back-end
Our platform embodies various back-end functions and logic to drive payments. Based on a Java2 Enterprise Edition(J2EE) foundation and supported by a highly reliable IBM DB2 database environment, the MOSS platform uses best-of-breed Industry Standard components and is composed of a number of modules: Telecom network interface Distribution network management Customers and retail network management Charging and limits Reconciliation, settlement and commissioning processing Promotional / Loyalty Reporting and Analytics AML /CFT
MOSS platform includes a module of paramount importance for any ‘Bank-led’ deployment. The Payment & Settlement Module allows a Clearing House designated and trusted by Financial Institutions to clear and settle all inter-institution transactions carried-out by customers and Agents of any participating Financial Institutions.
M-POS For the developing markets where Internet and smart phones are not widely available, MOSS has innovated and developed a Mobile POS based on a simple feature phone. It allows distributors, fuel stations, supermarkets or any business with multiple mobile or fixed sales agents to securely accept a payment on behalf of the organization they belong to.
Our API with high security and multi factor authentication meets the highest standards and best practices of the payments industry. It allows validated third party systems to conduct transactions, receive transaction notifications and exchange transaction references or other data related to the transactions. APIs MOSS platform offers a comprehensive, end to end voucher management solution which facilitates the complete life-cycle of voucher creation, distribution and management. Examples of supported Voucher types: Mobile Airtime Cash-in via voucher Utility Companies (Electricity, Water Internet etc) Retailers (gift vouchers, coupons etc) Vouchers Management
Promotional and Loyalty Management (PLM)
Driving mobile money adoption and usage through promotions and incentives is made easy with our advanced PLM tools. Incentives are powerful tools to drive Customers and Agents stimulation; our PLM Module empowers the Service provider with system generated time and /or volume based incentives such as: Free or reduced transaction fees Incentives (E-cash, vouchers or airtime) associated with any type of transaction including sponsoring/recommendations (Invite a friend) Promotion campaigns can be activated at different stages of the customer journey based on the required result.
Mobile App For those users equipped with a smartphone, we have developed a Mobile APP for Android phones to bring even more convenience to Customers, Retailers, Agents and Cashiers using our technology. Our APP communicates with our platform through USSD and SMS and therefore Users do not require Internet connectivity. The secure APP in addition to ‘traditional’ services offer an extended contact directory, transaction history, QR code payments and many other innovative facilities.
Our platform includes a comprehensive Reporting module and a set of pre-defined Reports allowing the service provider to closely monitor the activity of its customers, Agents and staff (Cashiers, KYC officers, etc…). Reports generated by the RMM can be categorised as follows: Activity and Analytic reports Financial reports Regulatory reports
Inter-Financial Institution Payment & Settlement Comprehensive Reporting and Monitoring Module (RMM)
MEDIA
MOSS Technologies (Dublin) 31/33 The Triangle, Ranelagh Dublin 6 - Ireland info@mossict.com Tel: +353 1 676 8968 MOSS ICT Consultancy SNAP Plaza, 2nd Floor Airport Road (Bole Rd) Addis Ababa – Ethiopia info@mossict.com Tel: +251 115 175 600
www.mbirr.com
Gauthier de Gerlache Head of MIS and Business Tools gauthier@mossict.com Gauthier de Gerlache has over 15 years experience in the private sector at international level. He started working in communication and political lobby with the Brussels consultancy firm Interel before joining the financial and banking sector at Kredietbank Luxembourg and at Belficor. He then turned to the real economy with managerial positions in several companies like Compagnie Sucrière in Democratic Republic of Congo, Brasserie de la Cambre in Belgium, and Heineken in Ethiopia, each time focussing on Business Development alongside additional managerial, commercial, lobbying and financial tasks. He joined MOSS Ict in April 2019 and is Head of Management Information System and Business Tools.
Paul Boyle MOSS Group CTO paul@mossict.com
Paul joined MOSS ICT in 2019 as CTO. Paul has spent the last number years working with SMS and Mobile Money providers throughout Africa. Prior to that Paul has a further decade of experience working in the telecommunications environment. From building SIP VOIP based technologies down to helping design switches. Paul has had a had a number of senior technical roles in companies ranging from small initial stage startups through to large multinational corporations. He has extensive experience launching new products and services, particularly in the African continent. Prior to working with in the Mobile Money space in Africa, Paul started off being an academic. Paul possesses a PhD in Computational Physics and published extensively in that field.
Aleksandra Ljubinkovic COO of MOSS Technologies aleks@mossict.com Aleksandra has over 25 years of international experience in financial services, the online industry and startups. Before joining MOSS she co-founded and delivered an online platform for a CRE lending startup in Ireland and engaged in varied consultancy work for startups. Prior to this she held senior leadership positions at Google, Bank of Scotland and Dell, always at the forefront of introducing new products and business models, building teams and setting up businesses from scratch. She is a Swedish national, educated in Sweden and France, and holds an MSc from the Royal Institute of Technology in Stockholm and an MBA from INSEAD in Fontainebleau.
Thierry Artaud Co-Founder, Executive Chairman and CEO of MOSS Technologies thierry@mossict.com Thierry has a broad international experience of over 30 years in Business and Business Management, mainly in the ICT and Telecom sectors. Prior to co-founding MOSS, Thierry established the KTF Group, a French/Irish investment house providing financial products & services for investment. Thierry has a Master's degree in scientific innovation from the University of Angers and an MBA from the University of Nancy.
Azeb G/Mariam Head of HR & Administration azeb.gebremariam@mossict.com  Azeb Gebremariam joined MOSS ICT Consultancy in January 2019 in the capacity of HR and Admin Manager. In this position she leads the overall human resources functions of recruitment, benefit package administration, exit management etc. Further Azeb is in charge of coordinating the provision of quality administrative services such as logistics management, Fleet management, procurement, to the company. Previously Azeb worked for the largest mobile operation in Ethiopia, ethio telecom there she managed the Human Resources Department and participated in the role-out of innovative projects. During her career Azeb was involved in the development of HR related polices and proposals, reviewing organizational structures , work force strategy, identifying and recruiting top level management talent ,managing labor relations and overseeing Logistics and procurement activities. Azeb has Master Degree in Human Resources and organizational Development from Addis Ababa University and BA degree in Business Management from Jimma University.
Amanuel Wubie IT Manager amanuel.wubie@mossict.com Amanuel is an Information Technology leader with years of diverse experience in Information Technology Operations, Information Risk & Compliance and Enterprise IT Infrastructure. Driven by making a difference and working towards contributing to Ethiopia’s digital transformation, Amanuel is highly skilled in building Reliable IT Infrastructure, State of the art Information Technology Posture & Cyber Security program developments. Amanuel works with MOSS ICT’s qualified team of IT engineers to deliver optimal information technology systems and products. Amanuel has more than a dozen industry certifications working with many well-known IT Vendors. CISSP|CEH|CCNP-Sec|NSE5|NSE4 and More
Hussen Seid Senior Product Manager hussen.seid@mossict.com For the past six years, Hussen Seid has been working in Mobile Money, Banking and Agricultural Industry with different and diversified roles. Product Management, Mobile Money Operations, Financial Planning and Analysis, Business Analytics, Data Mining, and Business Intelligence are Hussen’s area of expertise in which he contributed a lot to the companies he was working before. Hussen has a BA degree in Economics from Jimma University, Post Graduate Diploma in Computer Science and Master of Software Engineering from Higher Learning Centre of Excellence (HiLCoE). Hussen Joined MOSS in 2018 as Business Analytics Manager role I which he contributes a lot in the data-driven decision-making process, and currently responsible to manage the M-Birr Products as a Senior Product Manager. Prior to joining MOSS, Hussen has been working at Commercial Bank of Ethiopia, BelCash(HelloCash) and EthioChicken.
Endashaw Tesfaye Executive Director - Business
endeshaw.tesfaye@mossict.com Endashaw has over 10 years of experience in customer service, marketing and business development and five years of experience in mobile money industry in which he served MOSS ICT at variety of expertise including key accounts manager, business development manager and relationship with financial institutions in the delivery of mobile money service using MOSS software. Currently Endashaw is serving the company at Comercial manager position leading the team towards success. Endashaw holds Masters in Business Administration with great distinction from International leadership Institute and BA in Economics from Haromaya University in Ethiopia.
Rahel Ali Head of Sales Support and Projects rahel.ali@mossict.com Rahel has more than 10 years’ experience in customer service, managing projects operations and program supports, in local and international organizations. She has joined MOSS in May 2018, in the capacity of Customer Service Manager, currently working as a Corporate Project Manager, leading the projects work of the company. In addition Rahel, was assigned by MOSS management as a Social and Environment Officer, this role helped her to work on her passion of organizing social events, such as group running, blood donation, charity events etc. Previously Rahel has worked for Kifiya Financial Technology.where she managed the Customer Service function, while in Kifiya, she served as a working committee for the deployment of nationwide digital e-ticketing system. She has also worked at PATH Ethiopia, an international NGO, managing projects operations, she was part of a global project team, played a significant role in organizing large scale project operations. She has an MBA from Indira Gandhi National Open University/IGNOU/ and BSC in Business Education for Addis Ababa University.
Debebe Bekele Head of Finance debebe.bekele@mossict.com
Debebe has more than eight years of experience in the education sector being a teacher, director and supervisor in various government and private schools. Debebe has also six years of experience in the audit and finance sector, worked as senior auditor at A.A. Bromhead and Co. chartered accountants, a UK registered auditor for 5 years. Debebe has a B.Sc. in biology and BA in accounting and finance from Addis Ababa University, BA in economics from Unity University, Advanced diploma in ACCA and currently ACCA finalist.
Desta Bayissa Deputy-CEO of MOSS ICT Consultancy desta@mossict.com Desta Bayisa is the Deputy CEO at MOSS ICT with over 9 years of combined experience in the digital finance and off grid pay go solar industry. Desta spearheaded the design and execution of largest M-BIRR mobile money cash transfer projects in Ethiopia and relocated to Nairobi in 2017 to manage Azuri Technologies key pay go distribution initiatives in East Africa. Within Azuri Technologies missions, Desta Commanded special projects, helped strategic process developments and coordinated key distribution operations in East Africa including Kenya, Ethiopia, Tanzania, Zambia and recently relocated to Addis Ababa to manage MOSS strategic mobile money operations. Working in development infrastructures both in digital finance and solar energy environments, Desta Possess a broad understanding of the disadvantaged East African community, and he is continuously dedicating his expertise to improve the lives of millions of beneficiaries. Trained in contemporary Ethiopian fintech policy, Desta is presently supporting uptake of mobile money services across Ethiopia. At MOSS ICT consultancy, Desta is responsible for identifying and developing new high impact projects. Desta is a graduate of Addis Ababa University in International Relations and Master’s degree in Economics from YOM Institute of Economic Development.
Kalkidan Fikadu Head of Sales Strategy and Business Development kalkidan@mossict.com Kalkidan has over 8 years of experience in agent network, customer service in digital financial services, and as sales consultant. She used to work as a sales consultant in Access capital PLC and African vacation PLC where she started her career path for over 2years. She has 5 years of experience in digital finance industry when she works for Kifiya Financial Technology PLC in Network operation department in agent network service management and as customer care officer in customer service department. After leaving Kifiya she joined MOSS ICT consultancy where she used to work as network and compliance manger for a year. Kalkidan is currently working as customer care and network manager where she manages the M-Birr service agent network and customer service units. Kalkidan has MBA in Marketing Management from Rift Valley University and a BA Degree in Economics from Axum University in Ethiopia.
Ethan Laub Executive Director - Marketing ethan@mossict.com Ethan Laub is Head of Marketing at MOSS ICT in Ethiopia. Prior to joining MOSS, Ethan held a variety of management positions at leading U.S. companies, including roles in Marketing, Product Management, and Account Management. Ethan is also a technology entrepreneur, having founded TripScanner, a business travel technology company. In 2015, TripScanner was acquired by Coupa Software, a publicly-traded enterprise software company in Silicon Valley. Following the acquisition, Ethan served as Product Manager for Coupa, overseeing their mobile apps and Expense Management software module. Previously, Ethan worked for 10 years at American Express in its Strategic Planning, Commercial Card, and Business Travel divisions. Ethan holds an MBA from Harvard Business School and a BSc in Economics from the Wharton School, University of Pennsylvania.
 
Pioneer and Leading Mobile and Agent Banking Technology Service Provider in Ethiopia since 2010
Find out why 8 Ethiopian Financial Institutions have chosen MOSS Technology and Services
Locations
Customers
Birr Transacted With our Technology the M-BIRR Service has reached
We are MOSS Our team helps you to progress and grow faster
The MOSS Group is composed of two entities: MOSS Technologies, established in Dublin, Ireland MOSS ICT Consultancy, established in Addis Ababa, Ethiopia
MANAGEMENT TEAM
INVESTORS
PARTNERS
Why MOSS in Ethiopia ?
MOSS helps financial institutions meet Ethiopian government requirements of increased financial inclusion. Our turn-key solutions can be implemented in a matter of weeks, with minimal up-front investment.
MEDIA
SOLUTIONS
MOSS Mobile and Agent Banking Technology delivers a host of mobile money services that transforms the way consumers transfer and spend money. Built around a stored value account, the solution empowers consumers to securely make merchant payments, pay bills, and send or receive money using a mobile. Further, consumers can gain access to expanded micro-financial services such as savings, loans and insurance; businesses can credit salaries while governments and non-Governmental Organisations can disburse cash subsidies, relief aid and make other bulk payments. MOSS Platform is designed to seamlessly integrate consumer touch points with a wide ecosystem of Banks and Micro-Finance Institutions, service providers, merchants and third-party payment systems, creating a convergence powered by interoperability. Apart from delivering convenience to consumers, the solution enables financial service providers to acquire new customers, create long-term loyalty with existing ones, and seize new revenue opportunities to increase their footprint in the market. To the financial service provider, MOSS Technology solution offers detailed administration of financial services and reporting. The scalable architecture of the solution allows it to function at multiple hierarchies and deploy to markets of any size and transaction volumes. MOSS Platform also enables the financial service provider to offer attractive promotions and loyalty programs to agents and customers.
Financial regulation in Ethiopia only allow regulated financial Institutions to deliver Financial Services such as Mobile and Agent Banking. As such, MOSS Technology and Services are tailored to bridge the telecom and financial worlds and provide best fitted solutions to Banks and MFIs within the regulatory framework. Bridging the Telco and Financial worlds
Reliable, Safe and Scalable back-end
Our platform embodies various back-end functions and logic to drive payments. Based on a Java2 Enterprise Edition(J2EE) foundation and supported by a highly reliable IBM DB2 database environment, the MOSS platform uses best-of-breed Industry Standard components and is composed of a number of modules: Telecom network interface Distribution network management Customers and retail network management Charging and limits Reconciliation, settlement and commissioning processing Promotional / Loyalty Reporting and Analytics AML /CFT
MOSS platform includes a module of paramount importance for any ‘Bank-led’ deployment. The Payment & Settlement Module allows a Clearing House designated and trusted by Financial Institutions to clear and settle all inter-institution transactions carried-out by customers and Agents of any participating Financial Institutions.
M-POS For the developing markets where Internet and smart phones are not widely available, MOSS has innovated and developed a Mobile POS based on a simple feature phone. It allows distributors, fuel stations, supermarkets or any business with multiple mobile or fixed sales agents to securely accept a payment on behalf of the organization they belong to.
Vouchers Management
MOSS platform offers a comprehensive, end to end voucher management solution which facilitates the complete life-cycle of voucher creation, distribution and management. Examples of supported Voucher types: Mobile Airtime Cash-in via voucher Utility Companies (Electricity, Water Internet etc) Retailers (gift vouchers, coupons etc)
APIs Our API with high security and multi factor authentication meets the highest standards and best practices of the payments industry. It allows validated third party systems to conduct transactions, receive transaction notifications and exchange transaction references or other data related to the transactions.
Promotional and Loyalty Management (PLM)
Driving mobile money adoption and usage through promotions and incentives is made easy with our advanced PLM tools. Incentives are powerful tools to drive Customers and Agents stimulation; our PLM Module empowers the Service provider with system generated time and /or volume based incentives such as: Free or reduced transaction fees Incentives (E-cash, vouchers or airtime) associated with any type of transaction including sponsoring/recommendations (Invite a friend) Promotion campaigns can be activated at different stages of the customer journey based on the required result.
Mobile App For those users equipped with a smartphone, we have developed a Mobile APP for Android phones to bring even more convenience to Customers, Retailers, Agents and Cashiers using our technology. Our APP communicates with our platform through USSD and SMS and therefore Users do not require Internet connectivity. The secure APP in addition to ‘traditional’ services offer an extended contact directory, transaction history, QR code payments and many other innovative facilities.
Our platform includes a comprehensive Reporting module and a set of pre-defined Reports allowing the service provider to closely monitor the activity of its customers, Agents and staff (Cashiers, KYC officers, etc…). Reports generated by the RMM can be categorised as follows: Activity and Analytic reports Financial reports Regulatory reports
OUR CLIENTS IN THE FINANCIAL SECTOR OF ETHIOPIA We serve 6 of the largest financial institutions in Ethiopia, with over 5 million combined customers across the country.
ADCSI
www.mbirr.com The above Financial Institutions deliver the M-BIRR Mobile Money Service
MOSS Technologies (Dublin) 31/33 The Triangle, Ranelagh Dublin 6 - Ireland info@mossict.com Tel: +353 1 676 8968 MOSS ICT Consultancy SNAP Plaza, 2nd Floor Airport Road (Bole Rd) Addis Ababa – Ethiopia info@mossict.com Tel: +251 115 175 600
www.mbirr.com
Endashaw Tesfaye Executive Director - Business
endeshaw.tesfaye@mossict.com Endashaw has over 10 years of experience in customer service, marketing and business development and five years of experience in mobile money industry in which he served MOSS ICT at variety of expertise including key accounts manager, business development manager and relationship with financial institutions in the delivery of mobile money service using MOSS software. Currently Endashaw is serving the company at Comercial manager position leading the team towards success. Endashaw holds Masters in Business Administration with great distinction from International leadership Institute and BA in Economics from Haromaya University in Ethiopia.
Gauthier de Gerlache Head of MIS and Business Tools gauthier@mossict.com Gauthier de Gerlache has over 15 years experience in the private sector at international level. He started working in communication and political lobby with the Brussels consultancy firm Interel before joining the financial and banking sector at Kredietbank Luxembourg and at Belficor. He then turned to the real economy with managerial positions in several companies like Compagnie Sucrière in Democratic Republic of Congo, Brasserie de la Cambre in Belgium, and Heineken in Ethiopia, each time focussing on Business Development alongside additional managerial, commercial, lobbying and financial tasks. He joined MOSS Ict in April 2019 and is Head of Management Information System and Business Tools.
Thierry Artaud Co-Founder, Executive Chairman and CEO of MOSS Technologies thierry@mossict.com Thierry has a broad international experience of over 30 years in Business and Business Management, mainly in the ICT and Telecom sectors. Prior to co-founding MOSS, Thierry established the KTF Group, a French/Irish investment house providing financial products & services for investment. Thierry has a Master's degree in scientific innovation from the University of Angers and an MBA from the University of Nancy.
Aleksandra Ljubinkovic COO of MOSS Technologies aleks@mossict.com
Aleksandra has over 25 years of international experience in financial services, the online industry and startups. Before joining MOSS she co-founded and delivered an online platform for a CRE lending startup in Ireland and engaged in varied consultancy work for startups. Prior to this she held senior leadership positions at Google, Bank of Scotland and Dell, always at the forefront of introducing new products and business models, building teams and setting up businesses from scratch. She is a Swedish national, educated in Sweden and France, and holds an MSc from the Royal Institute of Technology in Stockholm and an MBA from INSEAD in Fontainebleau.
Azeb G/Mariam Head of HR & Administration azeb.gebremariam@mossict.com  Azeb Gebremariam joined MOSS ICT Consultancy in January 2019 in the capacity of HR and Admin Manager. In this position she leads the overall human resources functions of recruitment, benefit package administration, exit management etc. Further Azeb is in charge of coordinating the provision of quality administrative services such as logistics management, Fleet management, procurement, to the company. Previously Azeb worked for the largest mobile operation in Ethiopia, ethio telecom there she managed the Human Resources Department and participated in the role-out of innovative projects. During her career Azeb was involved in the development of HR related polices and proposals, reviewing organizational structures , work force strategy, identifying and recruiting top level management talent ,managing labor relations and overseeing Logistics and procurement activities. Azeb has Master Degree in Human Resources and organizational Development from Addis Ababa University and BA degree in Business Management from Jimma University.
Amanuel Wubie IT Manager amanuel.wubie@mossict.com Amanuel is an Information Technology leader with years of diverse experience in Information Technology Operations, Information Risk & Compliance and Enterprise IT Infrastructure. Driven by making a difference and working towards contributing to Ethiopia’s digital transformation, Amanuel is highly skilled in building Reliable IT Infrastructure, State of the art Information Technology Posture & Cyber Security program developments. Amanuel works with MOSS ICT’s qualified team of IT engineers to deliver optimal information technology systems and products. Amanuel has more than a dozen industry certifications working with many well-known IT Vendors. CISSP|CEH|CCNP-Sec|NSE5|NSE4 and More
Hussen Seid Senior Product Manager hussen.seid@mossict.com For the past six years, Hussen Seid has been working in Mobile Money, Banking and Agricultural Industry with different and diversified roles. Product Management, Mobile Money Operations, Financial Planning and Analysis, Business Analytics, Data Mining, and Business Intelligence are Hussen’s area of expertise in which he contributed a lot to the companies he was working before. Hussen has a BA degree in Economics from Jimma University, Post Graduate Diploma in Computer Science and Master of Software Engineering from Higher Learning Centre of Excellence (HiLCoE). Hussen Joined MOSS in 2018 as Business Analytics Manager role I which he contributes a lot in the data-driven decision-making process, and currently responsible to manage the M-Birr Products as a Senior Product Manager. Prior to joining MOSS, Hussen has been working at Commercial Bank of Ethiopia, BelCash(HelloCash) and EthioChicken.
Rahel Ali Head of Sales Support and Projects
rahel.ali@mossict.com Rahel has more than 10 years’ experience in customer service, managing projects operations and program supports, in local and international organizations. She has joined MOSS in May 2018, in the capacity of Customer Service Manager, currently working as a Corporate Project Manager, leading the projects work of the company. In addition Rahel, was assigned by MOSS management as a Social and Environment Officer, this role helped her to work on her passion of organizing social events, such as group running, blood donation, charity events etc. Previously Rahel has worked for Kifiya Financial Technology.where she managed the Customer Service function, while in Kifiya, she served as a working committee for the deployment of nationwide digital e-ticketing system. She has also worked at PATH Ethiopia, an international NGO, managing projects operations, she was part of a global project team, played a significant role in organizing large scale project operations. She has an MBA from Indira Gandhi National Open University/IGNOU/ and BSC in Business Education for Addis Ababa University.
Ethan Laub Executive Director - Marketing ethan@mossict.com Ethan Laub is Head of Marketing at MOSS ICT in Ethiopia. Prior to joining MOSS, Ethan held a variety of management positions at leading U.S. companies, including roles in Marketing, Product Management, and Account Management. Ethan is also a technology entrepreneur, having founded TripScanner, a business travel technology company. In 2015, TripScanner was acquired by Coupa Software, a publicly-traded enterprise software company in Silicon Valley. Following the acquisition, Ethan served as Product Manager for Coupa, overseeing their mobile apps and Expense Management software module. Previously, Ethan worked for 10 years at American Express in its Strategic Planning, Commercial Card, and Business Travel divisions. Ethan holds an MBA from Harvard Business School and a BSc in Economics from the Wharton School, University of Pennsylvania.
Debebe Bekele Head of Finance debebe.bekele@mossict.com Debebe has more than eight years of experience in the education sector being a teacher, director and supervisor in various government and private schools. Debebe has also six years of experience in the audit and finance sector, worked as senior auditor at A.A. Bromhead and Co. chartered accountants, a UK registered auditor for 5 years. Debebe has a B.Sc. in biology and BA in accounting and finance from Addis Ababa University, BA in economics from Unity University, Advanced diploma in ACCA and currently ACCA finalist.
Kalkidan Fikadu Head of Sales Strategy and Business Development kalkidan@mossict.com Kalkidan has over 8 years of experience in agent network, customer service in digital financial services, and as sales consultant. She used to work as a sales consultant in Access capital PLC and African vacation PLC where she started her career path for over 2years. She has 5 years of experience in digital finance industry when she works for Kifiya Financial Technology PLC in Network operation department in agent network service management and as customer care officer in customer service department. After leaving Kifiya she joined MOSS ICT consultancy where she used to work as network and compliance manger for a year. Kalkidan is currently working as customer care and network manager where she manages the M-Birr service agent network and customer service units. Kalkidan has MBA in Marketing Management from Rift Valley University and a BA Degree in Economics from Axum University in Ethiopia.
Paul Boyle MOSS Group CTO paul@mossict.com Paul joined MOSS ICT in 2019 as CTO. Paul has spent the last number years working with SMS and Mobile Money providers throughout Africa. Prior to that Paul has a further decade of experience working in the telecommunications environment. From building SIP VOIP based technologies down to helping design switches. Paul has had a had a number of senior technical roles in companies ranging from small initial stage startups through to large multinational corporations. He has extensive experience launching new products and services, particularly in the African continent. Prior to working with in the Mobile Money space in Africa, Paul started off being an academic. Paul possesses a PhD in Computational Physics and published extensively in that field.
Desta Bayissa Deputy-CEO of MOSS ICT Consultancy
desta@mossict.com Desta Bayisa is the Deputy CEO at MOSS ICT with over 9 years of combined experience in the digital finance and off grid pay go solar industry. Desta spearheaded the design and execution of largest M-BIRR mobile money cash transfer projects in Ethiopia and relocated to Nairobi in 2017 to manage Azuri Technologies key pay go distribution initiatives in East Africa. Within Azuri Technologies missions, Desta Commanded special projects, helped strategic process developments and coordinated key distribution operations in East Africa including Kenya, Ethiopia, Tanzania, Zambia and recently relocated to Addis Ababa to manage MOSS strategic mobile money operations. Working in development infrastructures both in digital finance and solar energy environments, Desta Possess a broad understanding of the disadvantaged East African community, and he is continuously dedicating his expertise to improve the lives of millions of beneficiaries. Trained in contemporary Ethiopian fintech policy, Desta is presently supporting uptake of mobile money services across Ethiopia. At MOSS ICT consultancy, Desta is responsible for identifying and developing new high impact projects. Desta is a graduate of Addis Ababa University in International Relations and Master’s degree in Economics from YOM Institute of Economic Development.
 
Pioneer and Leading Mobile and Agent Banking Technology Service Provider in Ethiopia since 2010
Find out why 8 Ethiopian Financial Institutions have chosen MOSS Technology and Services
Customers
Birr Transacted Locations With our Technology the M-BIRR Service has reached
We are MOSS Our team helps you to progress and grow faster
The MOSS Group is composed of two entities: MOSS Technologies, established in Dublin, Ireland MOSS ICT Consultancy, established in Addis Ababa, Ethiopia
MANAGEMENT TEAM
INVESTORS
PARTNERS The above Financial Institutions deliver the M-BIRR Mobile Money Service
OUR CLIENTS IN THE FINANCIAL SECTOR OF ETHIOPIA We serve 6 of the largest financial institutions in Ethiopia, with over 5 million combined customers across the country.
ADCSI