The UMVA client system is special developed for migrants and migrant workers, but due to solution the cost level and user interface many people like the solution. The UMVA electronic safe is the place for all the electronic documents, for e-money, but also other values such as the administration of the cooperative and their farmers by kilograms of Rice, or for a large community such as a workers union, or a women's association.

Our experience in Sub-Saharan Africa, and the dialogues with some other countries have given us the information to develop the right products. Special financial services in developing countries are in high demand, we see an explosive growth of micro-credit loans and also micro credit organizations. These organizations are not using new technology, resulting in large waiting lines for bank withdraws, or deposits. Reducing the waiting lines has a high priority.
The development shows large growth numbers, many times over ten percent, this leads to even more demand of cash or financial funds.
People are used to wait for several hours to withdraw a small amount, or they travel a long distance only to find out that the bank has no banknotes left and they need to come back another day.

In Poor banking area's the only solution is that people are helping each other with the solution that the sender will send e-money via a PC or mobile phone and in return the receiver of the e-money will give cash to the sender in that value.

The UMVA solution is ready for that process and will be able help many people.

The partners of UMVA will give access to internet so that the members are able to do these transactions.