Advances in mobile technology have opened up new opportunities, not only for communication, but also for using the mobile handset as a platform for a range of applications. The introduction of data transfer facilities and the rise of mobile financial services around the world have allowed mobile money services to evolve and grow rapidly. The African continent faces challenges in the financial technology space that are diagonally opposite to the situation in the western world. With nearly 80% of adults in Africa not having access to formal or semi-formal banking services, the majority of the continent is still unbanked — at least in the traditional sense. MalPay is determined to improve the mode of money transfer.