Face aux limites du système bancaire classique, il mise sur une approche communautaire et technologique pour élargir l’accès aux services financiers.

Shema Steve (photo) est un entrepreneur technologique rwandais, fondateur et directeur général d’Exuus, une entreprise spécialisée dans les services financiers numériques et les solutions logicielles. Sa mission est de renforcer la capacité des communautés à mieux gérer leur argent de façon autonome et sécurisée.

Fondée en 2014, Exuus a développé Save, une solution numérique destinée aux personnes souvent exclues du système bancaire traditionnel. L’application leur permet d’épargner, d’emprunter et d’effectuer leurs opérations quotidiennes au sein de groupes d’épargne. Elle s’appuie sur la solidarité entre proches, voisins ou collègues pour favoriser l’inclusion financière dans un cadre plus fiable que les pratiques informelles.

L’utilisation de Save repose sur la création de groupes d’épargne où les membres définissent des objectifs financiers communs, épargnent régulièrement et se soutiennent mutuellement. Ces groupes peuvent être accompagnés par des agents formés. Chaque utilisateur peut appartenir à plusieurs groupes à la fois, ce qui lui permet de poursuivre différents objectifs financiers. Tous ses engagements sont pris en compte dans l’évaluation des prêts et la constitution de sa note de crédit.

Grâce à Save, il est possible de solliciter un prêt directement depuis l’application, avec une réponse et un décaissement quasi immédiats. Le crédit peut provenir du groupe lui-même, de proches ou de partenaires financiers. Le comportement des membres (régularité de l’épargne, ponctualité des remboursements, gestion des pénalités, etc.) contribue à bâtir une note de crédit individuelle et collective.

Outre l’épargne et le crédit, la plateforme facilite également l’envoi d’argent à ses proches ainsi que le paiement de factures (électricité, eau, abonnements télévisuels, etc.). Elle permet aussi de créer des cartes virtuelles pour effectuer des achats en ligne en toute sécurité. Save est accessible via une application mobile ou par un code court (*777#), donnant ainsi accès aux services essentiels même sans smartphone ni connexion Internet.

Shema Steve est diplômé de la National University of Rwanda, où il a obtenu en 2014 une licence en gestion de l’environnement. Entre 2020 et 2022, il a siégé au comité consultatif de la Khalifa University aux Émirats arabes unis.

Melchior Koba

Edité par Sèna D. B. de Sodji

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• Congolese entrepreneur Mannick Syllas Bryant developed “Shule System,” a digital platform used in 144 schools across the Democratic Republic of Congo.
• The platform currently serves 56,200 students and 18,262 parents, centralizing school administration and communication.
• Bryant co-founded Find Solution Technology, an IT company established in 2017 to develop digital solutions for institutions.

Congolese entrepreneur Mannick Syllas co-founded and leads Find Solution Technology, an IT company that develops digital solutions for institutions and organizations. The company aims to modernize administrative processes and improve communication within schools through digital tools.

Find Solution Technology launched operations in 2017. The company gained recognition through its flagship product “Shule System.” Shule System operates as a digital platform designed to help schools organize administrative activities and strengthen communication with parents. The platform centralizes school management processes within a single system.

Shule System functions as a comprehensive school management software. The platform enables schools to track student progress and manage daily institutional activities such as enrollment, grading, attendance and fee payments. Developers designed the software as a multi-purpose tool that supports administrators, teachers, parents and indirectly students.

The platform offers several operational features.

Schools can register students, track academic records and maintain detailed educational histories through the system. Administrators can monitor absences and lateness while teachers can review attendance records by student or by class. The system also allows institutions to manage grades, tuition payments, libraries and archives. In addition, the platform provides a direct communication channel between schools and parents. Parents can access key information about their children’s academic progress through the system.

The platform already operates in 144 schools across the country and serves 56,200 students and 18,262 parents.

Mannick Syllas Bryant graduated from IGIS-Goma, where he earned a bachelor’s degree in computer science in 2016. Bryant also gained international recognition in 2022 when Forbes included him in its ranking of 30 African francophone personalities under the age of 30. 

This article was initially published in French by Melchior Koba

Adapted in English by Ange J.A de Berry Quenum

• Cameroonian entrepreneur Fonguong Edrick co-founded Traitz Tech, a startup that helps companies expand their digital presence and strengthen their brands.
• The company has launched products including AsapChop, a food delivery platform, and Zomi, an AI-powered productivity assistant.
• Edrick also works as a mobile engineer at elifesaver, a health-tech platform connecting hospitals with blood donors in Cameroon.

Fonguong Edrick co-founded and leads Traitz Tech, a startup that supports companies in developing their online presence and strengthening their brand identity. The company focuses on designing digital solutions that help organizations expand their operations and execute business projects more effectively.

Traitz Tech launched operations in 2023. The company develops digital products that help businesses improve operational efficiency and accelerate growth. The firm designs tools that match the specific needs of its clients. These tools aim to help companies manage operations more efficiently while expanding their market reach.

Traitz Tech has already introduced several products. One product, “AsapChop,” operates as a fast and reliable food delivery platform. The platform connects users with their preferred local restaurants and enables a streamlined ordering experience.

Traitz Tech has also developed “Zomi,” an artificial intelligence-powered productivity assistant. Zomi helps users organize daily and weekly schedules. The system allows users to remain productive even without a stable internet connection because it offers offline functionality. The company designed the assistant to help individuals stay organized and efficient regardless of connectivity levels.

In parallel with his entrepreneurial work, Fonguong Edrick works as a mobile engineer at elifesaver. Elifesaver operates as a health technology solution designed to address blood shortages in Cameroonian hospitals. The platform connects hospitals with blood donors and simplifies donor recruitment during urgent medical situations.

Fonguong Edrick holds a master’s degree in computer science from the University of Bamenda, which he obtained in 2022. He completed a mobile development internship at the technology company Skye8 in 2023. He also worked as a junior mobile developer at Terminativ, a United Kingdom-based IT outsourcing firm, starting in October 2023.

This article was initially published in French by Melchior Koba

Adapted in English by Ange J.A de Berry Quenum

• Mauritania plans to digitize the entire driver’s license application process, including registration, examination and secure digital issuance.
• Authorities reviewed the project during a meeting between Digital Transformation Minister Ahmed Salem Bede and Transport Minister Ely Ould Veirek.
• The initiative forms part of a broader e-government strategy that already includes 800 administrative procedures listed on the national “Khdamati” digital platform.

Mauritanian authorities are now working on the dematerialization of driver’s license procedures. The initiative aims to simplify administrative processes and improve access to services for the population.

The project formed the core of a working meeting on the digitalization of transport services held on Tuesday, March 10.

The meeting brought together Ahmed Salem Bede, minister of digital transformation and administrative modernization, and Ely Ould Veirek, minister of equipment and transport.

During the meeting, the two ministers reviewed a detailed technical demonstration of a new digital system currently under deployment. The system aims to transform the entire process for obtaining a driver’s license.

The platform will digitize every step of the procedure. Applicants will complete registration remotely, take the driving examination through the digital system and receive a secure digital driver’s license once authorities approve the application. Authorities expect the system to reduce human intervention and strengthen the reliability and security of issued documents.

The Ministry of Digital Transformation and Administrative Modernization said the project reflects the government’s broader administrative reform agenda. “This project reflects the guidance of the high authorities regarding the modernization of public administration and the simplification of administrative procedures,” the ministry said in a statement published on social media.

The ministry added: “It places users at the center of an administration that is progressing, for public services that meet citizens’ expectations.”

The initiative follows the launch of a government platform listing 800 administrative procedures to help citizens access public service information. Authorities plan to gradually integrate these procedures into the national digital services platform “Khdamati.”

The platform already offers several services. Users can register students at the University of Nouakchott, access the Digital Road Traffic System (SNTR), register companies, apply for investment code approvals and request criminal record certificates.

Citizens can also apply for vehicle registration certificates and request loss certificates for official documents through the platform.

Authorities have not yet announced a precise timeline for launching the digital driver’s license system. However, questions remain regarding user adoption. According to the International Telecommunication Union (ITU), 2G network coverage reached 97% of Mauritania’s population in 2023. Meanwhile, 3G and 4G networks covered 43.9% and 34.7% of the population respectively in 2022.

DataReportal estimates that Mauritania counted around 2 million internet users by December 2025, representing an internet penetration rate of 37.4%.

Network coverage and service quality represent only part of the adoption challenge. Access to compatible devices also influences the use of digital services. The World Bank estimates that 56.61% of Mauritanians aged over 15 owned a smartphone at the end of 2024.

Other factors may also influence the effective use of dematerialized services, including the population’s level of digital skills and the affordability of internet services.

This article was initially published in French by Isaac K. Kassouwi

Adapted in English by Ange J.A de Berry Quenum