SendSpend is a cloud-based money transfer and electronic payment system allowing people to send money to each other instantly and without charge as well as make electronic payments to vendors and e-commerce merchants all without the need for a bank account.

Tom is a Mobile Payments consultant, specializing in MNO (Mobile Network Operator), mobile money products and mobile payments. Having spent the 5 years at Standard Bank’s Africa division, Tom spearheaded the Banks’ involvement and interactions with Mobile Money on the continent, gaining both a wide and a deep knowledge of the mobile payments landscape. As a consultant, Tom has rolled out Mobile Money in Myanmar, for Ooredoo, as well as other companies looking to utilize the power of mobile payments.The proliferation of mobile devices makes ‘Mobile’ the ubiquitous channel to access financial services. Tom’s experience in associated product development such as micro-loans, savings and insurance products, as well as more complex financial and derivative products; has given Tom a unique insight and perspective into the mobile payments universe.Tom uses this experience and perspective to consult to a wide variety of institutions on how best to integrate, structure offerings, achieve profitability and sales targets and go-to-market strategies; using the mobile device as the main channel. Of particular interest to many of Tom’s clients is how do they sell their products into this demographic, and how can they collect, disburse, inform and sell via the mobile channel. Tom is currently exploring further fin-tech innovations such as the blockchain, and crypto-currency. Tom is a highly motivated and social person with a deep and broad insight, who thrives in understanding a problem and finding the right solution, and seeing it through to the end.

www.tapit.coTap IT is:• A digital platform connecting the FMCG industry to the informal trade• Allows manufacturers to cost effectively merchandise their brands in the informal trade • Allows informal traders to earn incentives for responding to merchandising and other incentives• Gives manufacturers insight into a previously unquantifiable, and under-serviced market • Allows traders to place orders off the broadsheets of the nearest wholesalers• Supports informal traders to become more efficient and profitable• The life-blood of the SA economy• Targeted advertising: Full screen adverts and ‘ticker advertising’

Responsible for identifying customer segments, creating a value proposition, and rolling the new customer segments out to 16 different countries