Always Moving Always Sharing Somaliland

ZAAD, REDUCING BARRIERS TO FINANCIAL INCLUSION
Telesom’s efforts to bring mobile and financial literacy to the
market with Zaad lower the cost of entry for Dahabshiil. Does
Dahabshiil’s consolidated, banking-lead approach provides a value
proposition to an increasingly savvy consumer base?
With increasing advances in their ecosystem, we see
Dahabshiil and Somtel with their e-Dahab and financial
ecosystem of banking and remittance as likely to take a bite
out of Telesom’s B2B market share.
However, we believe that the unique dependence on cellular
voice services (due to a largely pastoral and highly oral
society) will provide Telesom with a standing value
proposition through its integration between its widely used
mobile offerings and Zaad.
We believe that Zaad’s growth to date, based partially on
Telesom’s intense awareness of customer needs and the
local market, will maintain their standing as an important
transitive platform as the market matures.
Chai house, where the cost of a sweet brew and
container seat is SLSH 1000.
HARGEYSA
B&MG - SOMALILAND MOBILE MONEY STUDIO D RADIODURANS
MAY 2015
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