Download Orange Money App [BETTER]
Carry Dusablon
The reason 100% of your pre-retirement income may not be required to maintain your standard of living in retirement is because your expenses may change when you stop working. Some expense may go down or away, such as taxes and work related expenses, while some may go up, like health care costs and money you spend on new hobbies or activities. Some examples of expenses that typically go down:
The rate of return (the money your investments earn) for the purposes of this tool is set to 6% (a 6% rate of return is a standard industry default for a moderately conservative investor. When coupled with a 3% inflation rate, this equates to a 3% real rate of return). You may adjust this rate based on your style of investing and/or if you feel your own investments' rate of return will be higher or lower than the 6%. Here's a tip: look for an average long-term rate of 5 or more years, if possible, since retirement investing is generally done over many years. If you do adjust the Assumed Rate of Return/Investment Style slider based on your own expectations of a return, it is essential that you make an accurate selection in order for the estimate we provide to be valid. Please note that generally, the greater the return, the greater the risk associated with achieving that return.
Orange Money is the mobile money service of Orange S.A., available in most of the group's affiliates in Africa. Its users can deposit money into an account linked to their mobile phone number, and then access a range of services, in particular transferring money domestically and internationally, paying bills and buying airtime top-up.[1] Since June 2016, the service is available in France, where it enables international money transfer to Côte d'Ivoire, Sénégal and Mali.[2]
Orange Money is also a core component of "mobile money" interoperability in Africa. Telma, Orange and Airtel announced on 9 September 2016 that their respective mobile payment services are now all mutually compatible. That same month, the Orange Money offer reached 20 million customers in the Africa and Middle-East zone (up 30% in a year).[12]
Subscription is free, at any point of sale displaying the Orange Money signage. Customers complete a subscription form and present ID. To credit their account, users can deposit cash at an Orange Money point of sale, receive money transferred by another user or have their salary paid directly into their account (depending on the country).
Orange has also joined forces with banks (BNP Paribas, Ecobank, Bank of Africa, and Microcred) to enable customers with bank accounts to use their mobiles to transfer money easily and at any time between their bank account and their Orange Money account.[14]
All these mobile money services help to improve financial inclusion on a continent where bank-based services are still the preserve of a minority of the population: the financial inclusion index stands at 34% in sub-Saharan Africa.[18]
Use this convenient debit plan available on your OSU ID card account by adding money at the ID Center, Valley Library or online at mycard.oregonstate.edu, OSU's online card office. Your ID Card becomes a campus debit card for purchasing food at all campus food locations and for photocopies at the Valley Library. Resident Hall students have a separate meal plan through Housing for food purchases only. Your Card Cash balance rolls over each term as long as you have current student or employee status at OSU.
MyCard allows you to manage your Card Cash campus debit account online. You may view your OSU Card Cash; view past Card Cash transactions; add money to your OSU Card Cash account; set up, update and manage OSU Card Cash contributors other than yourself; and deactivate or reactivate your lost OSU ID Card.
Students, faculty and staff can load money into an Orange Cash account and then use their OSU-Cascades ID card to pay for purchases in the campus dining facility. The dining center offers an automatic 10% Orange Rewards discount when you use your Orange Cash funds. On-campus residents get the same discount with their dining plan.
Orange Money Romania needed to replace the already PSD2 compliant security technology they had developed in-house and embedded in their mobile money app. However, the new solution could not add unnecessary friction to the user experience.
Send money from your checking account if you plan to make more than six transfers in a month. This way, you will not incur excessive transaction fees that apply to these transfers from a savings account.
The GSMA recently published the results from its Global Mobile Money Adoption Survey, documenting the degree of adoption of mobile money for the unbanked services across the world. The 52 participants to the survey together reported over 60 million registered users as of April 2012. However, a much smaller number of customers were active and only 8 deployments had been experiencing a quick customer uptake. This report provides evidence that supply side factors such as a supportive regulation, a large GSM base, and a high of investment can contribute to the rapid growth of these services. However, not much information is available in the public domain about drivers of adoption and usage from the customer perspective. In this blog post, I present some results from a survey about the adoption drivers for customers at Base of the Pyramid (BoP).
I recently conducted a survey of 283 mobile money users from 8 poor areas around Nairobi, in Kenya. The customers surveyed were users of M-Pesa, Airtel Money or Orange Money. The research objective was to create a model to explain adoption of the mobile money among the BoP population. This model would be used to predict adoption of products that are yet to be deployed or evaluate the success of mobile money products that are in operation. Secondarily, the study was to establish the most important factors considered by the un-banked in choosing a mobile money product. Seven constructs were theorized and operationalised to either cause Behavioural Intention or Actual Use of mobile money.
According to the respondents, facilitating conditions was the single most important factor they would consider when signing up for a mobile money service. Transaction Cost, Social Influence, Perceived Trust and Performance Expectancy were then the most cited factors (in decreasing order of significance).
The results of this study have significant implications for mobile operators. Given the large investment in developing and deploying mobile money products, a good understanding of the drivers of adoption is useful so as to make the organizations prioritize their resources appropriately.
Since facilitating conditions turned out to be the most important construct determining usage of mobile money among the poor, management must put systems in place to support the use of their mobile money products.
Reliable and responsive customer support services, strategic positioning of agents, customer education around product features, availability of liquidity, and marketing around each of these aspects are examples of what mobile money managers can focus on.
In a nutshell, as mobile money products are being rolled out all over the world, thinking about what determines adoption and usage is key. The research provides a basis for investigating what could make a new mobile money service attractive from a consumer point of view. In addition, for products that are already in the market, the research informs what parameters to further investigate with the intention of strengthening the product and improving adoption.
Orange Money (www.OrangeMoney.Orange.fr) is available in Metropolitan France. This service is offered to Orange mobile subscribers(1) in France and enables them to transfer money via their mobile to other Orange Money customers in Côte d'Ivoire, Mali, Senegal, and within Metropolitan France.
Orange Money provides a money transfer service from France to Côte d'Ivoire, Mali, and Senegal through a simple mobile transaction. Orange also makes it easier for recipients to withdraw money from over 30,000 Orange Money points in the three recipient countries, an unrivalled number of points of sale in these countries.
This service will develop gradually and Orange intends to increase the number of points of sale in France. An Orange Money app will be available soon in France and Orange will look to expand the money transfer offer from France to other countries over time.
For the launch of Orange Money in France, Orange is supported by its subsidiary W-HA, which has an EMI agreement(2) and is authorised to issue and manage electronic money. The technical and banking expertise of W-HA allows Orange to offer international money transfer services with an excellent standard of customer experience and user security.
Orange Money is a mobile account linked to an Orange telephone number, and it is designed to meet the needs of customers in Africa, where most transactions are made in cash. The Orange Money service, launched in Côte d'Ivoire in 2008, has been a success for the Group. Over 18 million customers already use it in 14 countries in Africa to carry out transactions such as payments and money transfers.
In 2013 Orange launched the first international money transfer service for its Orange Money customers between Senegal, Mali and Côte d'Ivoire. In March 2015, this service was expanded to transfers to and from Airtel Money customers in Burkina Faso, Côte d'Ivoire and Senegal.
Orange is listed on Euronext Paris (symbol ORA) and on the New York Stock Exchange (symbol ORAN).
For more information on the internet and on your mobile: www.orange.com, www.orange-business.com, www.livetv.orange.com or to follow us on Twitter: @orangegrouppr.
Orange and any other Orange product or service names included in this material are trademarks of Orange or Orange Brand Services Limited.
Mowali is a digital payment infrastructure that connects financial service providers and customers in one inclusive network. It functions as an industry utility, open to any mobile money provider in Africa, including banks, money transfer operators and other financial service providers.
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