NetOne's OneMoney powers financial inclusion, creates jobs and eases transfers through dense distribution network

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NetOne’s OneMoney powers financial inclusion, creates jobs and eases transfers through dense distribution network

OneMoney, NetOne’s mobile financial services platform, is driving a threefold transformation across Zimbabwe — expanding financial inclusion, creating sustainable employment through agency banking and making money transfers and daily business operations easier than ever before. Central to this shift is an intense, multi‑layered distribution network designed to ensure no community is left behind.

In partnership with six banks — AFC Commercial Bank, POSB, NBS Bank, BancABC, FBC Bank and Crown Bank — OneMoney has rolled out seamless Bank‑to‑Wallet and Wallet‑to‑Bank integrations. What gives the service its real power, however, is the physical reach of its collaborating banks.

POSB operates 45 branches across all provinces, while AFC Commercial Bank adds another 34 branches, many located in growth points and rural agricultural hubs. Together, the 79 branches act as anchors for digital financial services. NBS Bank and POSB also offer branch‑based account linking, ensuring that even customers without smartphones or internet access can join the ecosystem.

Beyond traditional banking halls, OneMoney has activated hundreds of POS machines at retail outlets and service providers nationwide, allowing customers to tap their wallets directly to pay. NetOne shops — now present in virtually every district — extend the network further by offering cash deposits, school fee payments and selected banking services without requiring long‑distance travel.

The result is a distribution density unmatched in the mobile money sector. A customer in Harare’s CBD can transact at a supermarket POS machine, a rural family in Chipinge can walk to a nearby AFC branch or NetOne shop, and a vendor at Mbare Musika can transact with a POSB agent operating under the Super Agent framework.

Employment creation has grown naturally from this network. Each bank branch requires additional transaction marshals or financial advisors to handle OneMoney integrations. Every agent — whether POSB, AFC or independent — earns commissions on cash‑in, cash‑out, bill payments and transfers. With agent interoperability now active, POSB and AFC agents offer OneMoney services, while OneMoney agents provide access to POSB and AFC transactions. This reciprocal arrangement has effectively doubled service points and created thousands of direct and indirect jobs.

“This initiative is not just about transactions — it’s about empowering communities,” said Tracy Madziwa, Head of Sales and Marketing at OneMoney. “Every branch we connect, every agent we onboard, is a local job creator. Our intense distribution network ensures that no Zimbabwean walks more than a few kilometres to access formal financial services, while also earning a living by offering those services.”

For small business operators, informal traders and farmers, the ease of doing business has improved significantly. A vegetable vendor can receive payments directly to her OneMoney wallet from a customer using a POSB or AFC POS machine. A cross‑border trader can instantly move earnings from his bank account to his wallet and pay suppliers without carrying cash. Parents pay school fees in seconds, and rural families receive remittances without spending a day travelling to a distant bank — because the nearest service point may now be a NetOne shop just down the road.

NetOne Financial Services General Manager and Acting Chief Commercial Officer Joseph Machiva said: “Our mission is clear: financial inclusion for all. By combining the credibility of banks with the agility of mobile money — and backing it with 79 bank branches, hundreds of agents and NetOne’s retail footprint — we are removing traditional barriers to banking. And as this ecosystem grows, so do opportunities for employment.”

Transfers are instant. A salaried worker with FBC or Crown Bank can use the FBC Yo app to fund their OneMoney wallet and send money to a relative in a rural area. That relative can withdraw cash at any POSB branch, AFC branch, NetOne shop or authorised agent. Reverse transfers from wallet to bank are also supported.

Head of Operations at NetOne Financial Services Edmore Makanha added: “With Bank‑to‑Wallet and our dense distribution channels, customers no longer need to queue at banking halls or travel long distances. They can fund wallets instantly from home and withdraw or deposit cash at a point within walking distance. That ease of doing business — whether for a parent, a farmer or a small retailer — is what drives real economic participation.”

OneMoney has also implemented a float‑rebalancing framework with POSB and AFC as Super Agents, ensuring all distribution points remain liquid and service continuity is maintained even in the busiest rural markets.

As adoption grows, OneMoney plans to onboard more banking partners and expand its agent network further, deepening financial inclusion and job creation across Zimbabwe’s formal and informal economies.