Djonan2Pay

Djonan2Pay is a payment solution developed to help actors in the e-commerce in Cote d'Ivoire and West Africa to secure they financial transactions. Generally, after getting in touch with the vendors through social medias, the vendor contacts a delivery boy to deliver the good(s). The customer pays in cash and give the money to the delivery boy, who in turn needs to send the money back to the vendor. Unfortunately, some delivery boys don't give back the vendor(s)' money. There is the case of the customer(s) who is/are not happy with his/her good(s), decide(s) not to pay the delivery boy(s). Another case, is the one of the untrustworthy vendor(s) who sell(s) under quality goods or do not send the good(s), yet they have received the payment via mobile money.

So our application aims to solve those issues by securing the financial transactions till the the operation is closed via the app and it is only after this that each actors will received his/her payment (vendor(s) and delivery boy(s) and his good(s) for the customers.

Our solution is to create an application that will secure the financial transactions among the actors of e-commerce and also will guarantee to the customer(s) to receive his/her good(s).

The targeted population are:

-Vendors

-Delivery boys

-Online buyers

-Businesses

My wife is an online vendors and we also had small scale delivery business with two motorbikes. And we went through this problems. Also being a member of a Facebook group where these actors are, allow me to hear all the time these issues.

Right now we have finished to develop the app. We made the first test to see if all the request were working properly. We now adding the payment gate and we will do a test with a pool of the different actors of the group.

We are looking for a grant to launch the project and training or coaching to allow this project to become sustainable.

It is the first payment solution that takes into account the interest of the vendors, the delivery boys and the customers...

Our solution will secure the vendors' money (payment from customers), delivery boys' money (payments from customers), customers' goods (Be sure to receive what they buy).

The solution will have a huge impact on the e-commerce sectors in Cote d'Ivoire and West Africa, why not in Africa as it will secure the different actors in the field to secure their money and develop their business.

The progress will be measure by the number of transaction made through the application.

An application developed for Android, IOS and Web

Full time: 3

Part-time: 2

Consultant: 1

3 years

I wanted to have a multinational team to have diverse insight for business. The team is then composed of 2 Ivorians, 1 French, 1 Cameroonian, 1 Beninese. When will launch the app, I would like to have other nationalities. 

Key Resources:

*People: In our business strategy, the actors in the field of e-commerce in Côte d'Ivoire and in the countries where we would like to deploy it, will be the salesmen and saleswomen of the app as they will recommend it to their customers in order to be sure to secure their money. Also, we will need, to have in house salespersons to approach the formal businesses.

*Finance: We working on our starting business budget - Donor Network - Microfinances

*Access: Internet is our tech access to the business as it is an app.

Partners + Key Stakeholders:

Vendors - Deliverboys - Customers - formal good selling businesses

Key Activities

Collecting partners and key stakeholders' payments, Managing risk

Type of Intervention:

Payment collections

Channels

*Social media, Dedicated groups on social medias - Social media influencers - djon2pay website - Local microfinance institutions

Segments

Vendors - Deliverboys - Customers - formal good selling businesses

Value Proposition

The beneficiaries (vendors, formal businesses, delivery companies and boys) would like to secure their money and guarantee the sale of their goods in one hand and in the other hand, the customers (people buying online) would like to be sure to receive their goods in conformity.

Cost Structure

Communication & Marketing

Surplus

Apps improvement and market grow

Revenue

A percentage received from each transaction (to be finalized)

We are planning to ask for donations from business angels, look for grants and with our low start-up gain with our first customers.