Symbiotic Media has developed a gateway that can be customized to automate payments for both online and brick and motor businesses. The gateway is agnostic and can therefore by integrated with any choice payment mechanism and on any . We currently support Mpesa, Zap, MTN Mobile money, PayPal and Google Checkout, though adaptation to any local payment mechanism can be done.

Case study

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Sovaya Communications -  a kenya based ISP rolled out a slew of innovative data products with equally competitive pricing plans. Their choice for receiving payments was the scratch card method which after a pilot period proved too cumbersome with the logistics and access to the consumer being key difficulties.
Symbiotic integrated the payment engine optimized for Mpesa that has seen Sovaya improve on collection, monthly renewals as well as making it easy to rope in new customers.

How so:

Depending on the plan that you have, whether monthly on a flat fee or charged per minute, you will need to make the payment to Sovaya. This would entail looking for a Sovaya scratch card vendor in your neighborhood or travel into town to make the payments at Sovaya offices.
With our payment gateway existing or new users who detect the signal can make the payment from the comfort of their mobile phone with the service and access details being sent back to the user via sms as well as being displayed onscreen in real-time. Instant payment, instant access! If you run out of “browsing juice” in the middle of the night, do not despair…your instant connectivity is only an sms away
Our gateway  is also adapted for real-time payment and service activations for services such as pay tv  – the likes of DSTV and Zuku.

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How our payment gateway works

Our payment gateway facilitates the transfer of information between a portal (such as a website, mobile phone or IVR service) and the Front End Processor or acquiring bank. When a customer orders a product from a payment gateway enabled seller or service provider, the payment gateway performs a variety of tasks to process the transaction:

• A customer places order on website by pressing the ‘Submit Order’ or equivalent button, or perhaps enters their card details using an automatic phone answering service.
• If the order is via a website, the customer’s web browser encrypts the information to be sent between the browser and the merchant’s webserver. This is done via SSL (Secure Socket Layer) encryption.
• The merchant then forwards the transaction details to our payment gateway.
• Our  payment gateway forwards the transaction information to the processor used by the service provider.
• Provider validates the transfer / payment
• The processor forwards the response to the payment gateway.
• Our  payment gateway receives the response, and forwards it on to the website (or whatever interface was used to process the payment) where it is interpreted and a relevant response then relayed back to the cardholder and the merchant.
• The entire process typically takes 2–3 seconds

KeleleMobile is a mobile infotainment portal where people can indulge their mobile lifestyle, express their likes and dislikes by generating, consuming and sharing content across varied genres. While primarily targeting end users on their mobile phones, KeleleMobile also provides hosted end-to-end sales channel for innovative and fully certified mobile applications and compelling content for network operators.

KeleleMobile offers a fully stocked catalog of certified content, service delivery platforms, and an on-device purchasing and content discovery client, as well as professional services to put it all together.

Kelelemobile will even design and host the retail storefronts for operators who request that service. We bring together content  consumers, developers and operators in a way that makes it easier than ever to profit from mobile content and applications. Operators can source content from providers all over Africa without having to negotiate legal agreements with dozens of companies.

Kelelemobile has fully fledged in-house content development studio that will adapt virtually all traditional and modern African music, images, icons and any other item for mobile. And our ability to identify handsets and adapt content on the fly adds to the tremendous value that is Kelelemobile!

For Operators – Get Richer Content Faster

a.    KeleleMobile will provide rich content through easy access to a continuous stream of innovative, tested solutions from the Africa’s most creative developers as well as our own in-house content development studio.

We bring new content to market with speed, ease, and minimal investment, resulting in faster time to market. Our solution is flexible, allowing operators to add their own content, choose some or all content from the Kelelemobile Master Catalog, and add the KeleleMobile purchasing and discovery client to their existing service and content discovery methods. All this is presented through an open standards approach that does not lock operators into specific terminals or service delivery infrastructures.
b.    KeleleMobile will provide a single point of entry to operator channels Africawide. It will reach more users by complementing the developer’s existing distribution channels. It reaches them sooner by simplifying deal making and streamlining content and application verification. KeleleMobile presents the biggest market opportunity available because it is based on open standards.

For end users – Add applications and content on the go

a)    The KeleleMobile content discovery and purchasing client will provide an operator branded or agnostic, integrated experience that combines discovery, preview, delivery, and secure payment. The fast and easy user experience is delivered over the air, everywhere the user goes. It helps users find what they need, provides enhanced download manager functionality, and supports multiple payment mechanisms.

b)    The Master Catalog is the hub of KeleleMobile. It is a central repository for all published content, a staging ground for content being readied for release, and a facilitator between content providers and operators.

c)    The KeleleMobile Solution architecture is built from the ground up on open-system principles, so users will not get locked into a limiting relationship or locked out of doing business their way. It will serve any mobile device that handles OMA download standards, with SMS as basic minimum requirements to consume content. You can sell through any store¬front that can handle an XML feed.

Content Provision

Operators
KeleleMobile lets operators sell rich content faster. The KeleleMobile master catalog leads content managers through the simple steps for finding the right content for their market, and it provides tools for automating the process and keeping the revenue flowing.

Browse and search — The KeleleMobile master catalog lets content managers browse by content category or search by a variety of criteria. Content managers can save fruitful searches and run them later to capture new content.

Stock the content — Once operators accept the price plan and transfer the content to their Service Delivery Platform, they are ready to offer merchandise to their subscribers. Set “autostock” rules for automatic addition of new content that meets your criteria.

Apply branding — Operators can enhance each catalog with their own branding elements, including custom icons, background images, and for-more-information URLs.

Configure stock categories — one can inherit the categories from the KeleleMobile master catalog or tailor them to your customer base.

Target the content — Create subscription plans that match content catalogs with the most likely consumers. Offer the Hot Games plan to one demographic and your Office Productivity Pack to a different population.

Feed retail outlets — Use XML feeds for easy integration with existing WAP and Web storefronts, or let the Symbiotic team build new storefronts to their specifications.

KeleleMobile content discovery and purchasing Client
The KeleleMobile content discovery and purchasing client complements other retail outlets supplied by the operator’s Service Delivery Platform, and it presents the content and content hierarchies that are developed for and delivered to other retail outlets. The enhanced user experience makes it easier for consumers to buy more content, more often.

The KeleleMobile content discovery and purchasing client offers:

• Custom-branded content for each operator to provide at numerous points throughout the user experience — from splash screen to download progress indicator.
• Multi-catalog support, and each catalog can present different branding.
• Flexible device support by offering clients for Java (MIDP 2.0) and Symbian OS devices.
• Simplified user experience by integrating content discovery, download, and payment
• Offline browsing that eliminates network latency when users search a catalog cached on their device. Expiration dates associated with each catalog force periodic refreshes that make sure customers see the latest offering.

Creating an end-to-end sales channel is only the beginning. KeleleMobile works because it makes the entire mobile content sales process simpler, more flexible, and more profitable for everyone involved. Developers have a one-stop method for extending their applications to millions of users and operators around Africa.

Operators get the freedom to pick and choose from one premier mobile content catalog, mix in their own offerings, and brand the entire storefront, using as much or as little of their existing infrastructure as needed.

End users get a simple, powerful client that puts the most innovative mobile applications and content right in their hands, available through a quick browse or key word search.KeleleMobile lets innovation drive the mobile development ecosystem, freeing operators and developers to respond quickly to a growing, changing market.

Content creation
Our experience in the industry and specifically with web and mobile guarantees
1.    No time wastage in introducing or defining the scope of the industry and definition of the product
2.    Well-defined product and product development processes
3.    Clear understanding of the market that ensures fast development of products that suit the needs of the market
4.    Commitment and loyalty to the business

The mobile content aspects that Kelelemobile will handle
The main elements of the mobile content product are in outsourcing, development, distribution and management

• Sourcing – of music, videos, from studios, musicians etc
• Development – of the product to its necessary specifications adaptable for handsets
• Distribution – of the product, where advertising and marketing come into play. Marketing will be carried out by the network operator.
• Management – of the services and platform

It allows users to communicate cheaply at 50 Kenya cents (USD 0.006) per message using the SMS (Sembuse Messaging Suite). With conventional text limited to 160 characters and an average cost of Ksh.3.50 (USD 0.043), Sembuse gives 1,000 characters per SMS at a fraction of the cost of conventional text, allowing unprecedented savings and value addition.

If a user wants to communicate with someone outside their network, they can do so using regular text messaging through Sembuse at a flat rate of Ksh.2.50 across any GSM network in Africa.

Sembuse supports internationalization by way of being available in different languages which currently are English, Swahili, German, French and Chinese. Sembuse allows users to invite their friends from all over the world into their network and has a myriad of exciting free and premium content offerings that add value to users as they are delivered directly to the user’s handset. These offerings include; customized news alerts, real time stock market alerts and news, rave crave – that gives users a snapshot of the nightlife in their location, the gossip channel – that allows users to submit and share gossip with their friends, the sports bar – where sports fans can keep up to date with the happenings in their favorite sports and a video section with mobisodes across a variety of channels.

Sembuse can be downloaded directly to a user’s handset by pointing the mobile phone browser to m.sembuse.com. Registration is FREE and one can immediately invite friends to their network and start saving money on their communication as it costs the same to send a Sembuse anywhere in the world! Riding off GPRS/3G it has an infinitely small data footprint. The latest plugin allows for use on handsets that do not support application downloads via the use of  web-based interface. This means that everyone can use Sembuse.

Sembuse boasts of a proprietary hyper-targeting advertising platform – SembuseConnect that allows businesses, whether big brand names, small to medium sized enterprises and even individuals to connect with their target market directly on their handset, with the cost of customer reach and impression being the lowest in the market currently at 50 Kenya cents (USD 0.006).

An individual can book their ManenoAds (text adverts) and choose their desired target group on the Sembuse network from the ease and comfort of their mobile phone wherever they are. The advertisements are served immediately the order is confirmed.

Advertising agencies and large companies wishing to plug into SembuseConnect have access to an additional feature via a web based control panel where they can buy tags for their clients that have an appended rider (which can either be an advert, promotional message or any other message they wish to get across).These in-text adverts get served contextually based on the content of the message sent. As such the advert finds the reader in the right frame of mind where they are more receptive to the message as it is in context and has additional value.

Large companies also have the unique opportunity to “own” Sembuse by having their brands represented in the application’s icons, background and ringtone through various customized themes.

Robust reporting and metrics allow advertisers to measure the effectiveness of their campaigns. SembuseConnect can be used as a standalone media and advertising outlet or it can complement other traditional but more difficult to measure advertising channels.

As a content platform Sembuse allows content providers to make their inventory available on Sembuse and to set their pricing for their content items. Using content discovery tools, users on Sembuse can select and download their choice content. If the content is premium the amount is deducted from their account and a link to download the content is sent to their mobile phone. Sembuse has the ability to apply digital rights management to the content in its inventory.

Users of Sembuse pay for their credits, content and other services via Mpesa, Zap, other regional money transfer / payment mechanics and if in the diaspora by credit card. These payments are then processed by our proprietory Zunguka Payment Gateway.

With the tremendous growth that is being experienced in the mobile telecommunications sector in Africa, Sembuse will have a great impact on how users interact with each other and engage brands at a personal level and at affordable prices and in ways that can be measured.

Here is how TumaSMS can add value to your life:

	For the individual user We’ve made it quick and easy for you to send messages around the world from your browser or mobile phone. Curious as to how to plug in? Click here
	For the SME – small and medium sized business Messaging can transform the way the business communicates with customers, suppliers and colleagues, as well as the way your systems themselves communicate. >> More here <<
	For the enterprise If your operational need demands mission-critical ‘enterprise’ levels of delivery and accountability, Our gateways meet the most exacting standards for alert notification, business continuity and collaboration.>> Here’s how <<
	For your industry vertical Mobile messaging strategies can be used to communicate with your customers, suppliers or your own employees in a highly cost effective manner. With cross cutting experince across different industries we can show you how to automate numerous processes within your organisation usuing SMS. >> Here’s more <<
pic	For government For governments especialy so in Africa’s SMS as a tool can be implemented in many different ways to deliver value to an increasingly dicerning citizenry. From automated alerts on issues of concern to the deilvery of services, governments have a lot to bemefit form the adoption of SMS.>> Here’s how <<

The selling and buying can be done either through SMS or the WEB.

With versions to cater for individuals and corporate needs you will never have to worry about losing your contacts or missing a meeting.

SaaZingine is a community of people who share common goals – to make friends, to meet other singles, find dates, form romantic relationships and meet life partners.

Young and old alike, gay and straight, from around the East Africa, are here to flirt, meet, date, have fun, fall in love and to form meaningful, loving relationships. Find friends, pals and potential lovers on SaaZingine…play your cards right!