FrontlineSMS

FrontlineSMS:Credit enables organizations that serve the base of the economic pyramid to bring the benefits of mobile money to the financially excluded. Mobile money, the ability to transfer funds without requiring a bank account, depends on mobile network access, meaning that it can reach people and places that formal financial institutions cannot. FrontlineSMS:Credit's PaymentView software is an extension of FrontlineSMS's free, open-source technology that turns a laptop and a mobile phone or GSM modem into a central SMS communications hub. The tool enables users to send and receive text messages with large groups of people without the need for Internet access. With the PaymentView extension, users can also send, receive, and manage mobile money transactions. By expanding the uses of mobile money in developing markets, FrontlineSMS:Credit helps to fulfill the promise of mobile money to offer even the most underserved communities access to financial services and enable new business models that aid in development. FrontlineSMS:Credit is a sister organization to FrontlineSMS, whose desktop SMS platform enables grassroots organizations to take full advantage of the spread of mobile technologies to communicate effectively with remote and marginalized populations. FrontlineSMS:Credit was founded in 2009 and was recognized for its approach by the Pop!Tech Social Innovation Fellowship program in 2010.