Congolese civil servants do not take to mobile banking

Feb 12, 2014

Congolese residents have not taken to mobile banking as well as the government had hoped for.

Congolese residents have not taken to mobile banking as well as the government had hoped for.

Last May, the DCR decided to start paying civil servants through mobile banking to avoid issues caused by the lack of access to liquid finance in the country.

The aim was to give access to finance to one million civil servants, particularly those living in rural areas where branches are often hard to find.

According to the terms of the initiative, banks were paid by the state and gave mobile providers 0.90 Euros per money transfer, about three times less than what they earned.

However, using online banking was not enough to circumvent the issues caused by the lack of infrastructure.

Recently released data suggests that civil servants who live in cities can easily go to the bank to withdraw their salary once an SMS has informed them that it has been paid. However, the concept does not work quite as well in rural areas.

Many civil servants do not own a mobile phone. Others are not aware of
where to go to withdraw their salary after pay day.

After tensions with mobile operators and the difficulties some employees had to go through to be paid, the government decided to scale down the initiative.


Only Tigo RDC, the most reliable of all providers, is still working on the partnership. Negotiations are taking place at the moment to relaunch mobile banking with civil servants.ADNFCR-2976-ID-801692569-ADNFCR