New Possibilities

Digital Transformation and Digital Payment Innovation

About Us

ExactConsult is a niche payment systems and MIS system consulting firm headquartered in Southern Africa. At ExactConsult we believe that precision and quality is never an accident; it is always the result of high intention, sincere effort, intelligent direction and skilful execution; it represents the wise choice of many alternatives.
Originally founded as a result of increased demand by Governments, banks, regulators and donor organisations for expert advice and practical industry expertise in the field of digital transformation and electronic payment systems, ExactConsult has evolved into an internationally sought out consultancy offering specialised advice in:
Mobile Financial Services
Social Cash Transfers
Financial Inclusion
Payment Systems Implementation

Management Information Systems Design, Build & Implementation

On the Exact side of Consult - we will tell you the truth and exactly what works and what doesn't. We are considered by our clients to be no nonsense, straight talking and direct.

On the Consult side of Exact, we bring more than a decade of in-depth, hands-on practical industry experience, a multifaceted skill set and unrelenting passion.

ExactConsult has worked in Southern Africa, Western Africa, Eastern Africa, South America, Latin America, Southern Asia and Eastern Asia.
Our clients include The World Bank, CGAP and IFC, DFID, IADB, UNICEF, UNCDF, Old Mutual, The Central Bank of Zambia; The Central Bank of Mozambique, The Mexico Ministry of Finance, Accion Social Colombia, FinMark Trust, Opportunity International Bank, Bankable Frontier Associates and Deloites to name a few.

What we do

Mobile Financial Services
Banking and Payments via mobile devices
eGovernment and Electronic Social Cash Transfers
Digital Transformation of  G2P and P2G services and payments
Management Information System + Payment System Design & Deployment
MIS Systems, Payment Gateways, Mobile Banking and Card payment system design and deployment

Our Experience by Country










Photo Stories from some of our work
Rwanda
The Umerenge and Public Works programmes in Rwanda needed to be evaluated, processes defined, systems investigated to determine why payment took so long. We designed a digital payment system strategy and ultimately the digital Payment Gateway business requirements specification to streamline G2P payments efficiently and in real time.
Ghana
Ghana's social welfare payment systems needed a re-design. We did the digital payments feasibility study and made recommendations, the strategy and implementation plan to use Mobile Money as an effective mechanism to reach beneficiaries.
Lesotho
UNICEF Child Grant payments in Lesotho are all cash, delivered by security companies and sometimes by helicopter. We did a national feasibility study and a Digital Payments Roadmap and payment system design to migrate Old Age Pensions, Child Grants and Public Assistance to digital payment and a QR Code solution to digitise the remaining payments that still needed to be paid in cash
Pakistan
Women beneficiaries of the Benazir Income Support Programme (BISP)
We examined all current modes of payment, identified risks and weaknesses. We prepared a Digital payment system design and a Mobile Money payment pilot using QR Codes on mobile devices given to the Women beneficiaries. In a later phase we pioneered in developing the business case that proved that it was cheaper to give beneficiaries free mobile devices and pay them with mobile money, than it was to carry on paying out cash.


Some more of our Best work

South Africa

The worlds largest social protection payment system by capita in the World, paying 21 million people every month, needed a re-design during the COVID pandemic.
We did that.
Based on world-wide best practice and Africa's leading MoMo markets, we pushed hard to have Mobile Payments front & centre of the new SASSA payments strategy.
SASSA loved it but 3rd parties with too much to lose, would have none of that. Enough said.

Namibia


Old Mutual Namibia trusted our Team of 9 senior consultants to BOT [Build Operate and Transfer] a fully operational Bank within 18 months. The OM Card was launched full of world first technologies including Tranwall Card Control.

The Bahamas

This is Mrs. Wilson's shop on the southern most tip on the very remote Cat Island in The Bahamas. Mrs. Wilson redeems Social Welfare Coupons and exchanges them for food.
Mrs. Wilson's input was critical to our design of an Electronic Voucher system to prevent the fraudulent use of paper-based food & social assistance vouchers.

Mozambique

An exciting project co-ordinated by the World Bank to design, build and deploy a multi-service provide Payment Gateway for the Ministry of Finance to make digital payments to thousands of INAS beneficiaries nationally via Banks and Mobile Money

Our Senior Team Members

Craig Kilfoil
Team Leader

Craig is our payments guru. He is ex-Nedbank, ex-VISA and has consulted to private companies & international donors like The World Bank for over 15 years in over 30 countries since 2007.
Craig studied at M.I.T. (USA), has a Masters Degree in E-Commerce from CSU (Australia) and a B.Com from WITS (South Africa)

Judyth Engels
Senior Consultant

Judyth is a whiz in the Mobile Money space. She learnt her trade from the worlds largest Mobile Money system, M-Pesa Keyna, arguably where the mobile money revolution began.
Judyth has a Masters Degree in Business Administration and has consulted with ExactConsult since 2017

Bidemi Coker
Senior Consultant

Bidemi is our Senior Social Protection specialist.
Bidemi worked on the world acclaimed GEWEL Supporting Women's Livelihoods programme in Zambia.
Bidemi has a Doctorate in Philosophy and also studied at M.I.T.
Bidemi is our Social Protection expert with global experience.

Motebang Moeketsi
Senior Consultant

Motebang is our Lesotho expert in Mobile Money.  He has a wide range of experience from both Vodacom and EcoNet Lesotho and has a deep understanding of what it takes to build agent networks in Lesotho work. Motebang knows the M-PESA Mobile Money and what makes it tick.

Contact Us

+27 82 944 9988
info@exactconsult.com

 Call or WhatsApp

WhatsApp:   +27 (0) 82 944 9988

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