Scanne moi

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 One Platform, more possibilities

2 www.bezaq.app
 Table de matières
04 Introduction
06 I. PRESENTATION OF BEZAQ
06
BEZAQ’S MISSION
07
I.1. Objectives of Bezaq
08
I.2. THE DIFFICULTIES
09 I.3 Simplicity in the use of

the platform
09 I.4. Bezaq as aggregator
10 II. SERVICES AND PRODUCTS OF THE

BEZAQ PLATFORM
10 1. Participatory contribution
16
III. Opportunities
16 III.1. Opportunities for users
18
III.2. For Bezaq
21 IV. Proximity
21
V. Technologies used by the Bezaq
platform
28 VI.Innovations
36 VII. Security
38 Our projections
39 VIII. Conclusion
41
IX. The Bezaq team
41
Key personality
42
Membres de l’entreprise
43 Our greetings to the team that worked on

the BEZAQ business plan

43 Our thanks

3
3 Table of contents www.bezaq.app
 Introduction
F
inance plays a major role
in the advancement of the
economic and commercial
sector and in almost all
fields. It is the major resource that
empowers an individual or group
of individuals to obtain a service
or good. However, its management
requires a certain amount of
knowledge in this area.
Now, when we talk about finance,
we are indirectly talking about
money, which in turn involves
financial systems and financial
institutions.
Nowadays, under other skies,
people consult financial institutions
to be helped in the management of
their finances.
Nevertheless, we would like to
point out that from 2008 onwards,
a global financial crisis had
weakened the world economy.
As a result, governments and
companies found themselves in
recession. A recession due to the
loans taken from the Commercial
Banks.
All this shows that the global
financial system had serious
flaws. It was in relation to these
4 4 Introduction
events that the consciousness
of certain computer engineers,
economists and financial experts
was awakened to alleviate these
problems. This awareness gave
birth to a new generation of
companies called Fintech.
A FinTech is a mixture of the terms
finance and technology. It is a word
that designates both a company
and a service.
As a company, FinTech is a new
generation of companies using
new technologies to innovate in the
financial and insurance sector.
And as a service, FinTech is a
financial solution that uses new
technologies to enable users to
manage their electronic accounts
or portfolios themselves, make
electronic payments, transfer
funds, etc.
Some EU countries are the first to
experiment with this innovation.
The results have been positive and
have demonstrated the strength of
this solution.
www.bezaq.app
 Following the example of engineer started the studies
European Union countries such and design of the Bezaq project.
as France, England, Holland And in 2019 he submitted
and Germany, some African it to a group of Congolese
countries, such as Kenya and computer engineers, under the
South Africa, already offer label of the company Tumaï,
FinTech. On behalf of Kenya, we who considered it important to
quote: M-pesa. study the functioning of their
country’s financial system. After
M-Pesa, is a mobile phone several months of studies and
payment service launched by investigations, they ended up
the Kenyan mobile operator finding many problems related
Safaricom. It is probably the to transparency, traceability,
biggest digital success in Africa security, technology etc. And
to date. By December 2019, it this, despite the presence of
has transferred 21 billion dollars. some FinTech and mobile
money already existing on
The growth of this service Congolese soil.
has enabled every Kenyan to
have a mobile money account Because of this, the engineers
that would save them from of Tumaï have assigned
having to go through a bank themselves the mission of
account. These accounts have developing a platform called
facilitated transactions such BEZAQ, which is a FinTech
as transferring money, selling whose objective is to solve the
goods and services, and making above-mentioned problems
withdrawals from one’s account. encountered by Congolese
in particular and Africans in
M-Pesa now has more than general with regard to payments,
26 million active users across exchanges, transfers of funds,
Africa, the Middle East, Asia and exorbitant service charges, real-
Eastern Europe. time access to their financial
information, to name but a few.
And on behalf of the DRC, it
was in 2012 that a Congolese

www.bezaq.app Introduction 55
 I. PRESENTATION
OF BEZAQ
B
ezaq is a platform for monetary transactions and
monetary transactions and electronic payments is necessary
electronic payments. to ensure that our geographical
limits are no longer an obstacle
Bezaq is a digital ecosystem on an economic rather than a
characterised by its ability to commercial level.
support other existing financial
systems thanks to its core
technology, which is based on that
of the Blockchain by integrating
artificial intelligence. In addition,
it answers many of the questions
that people have about digital
security.

BEZAQ’S MISSION
Firstly, the Bezaq mission is pan-
African. This means that it works
so that its know-how in the field
of FinTech can promote and
enhance African society.

Second, the interconnection of

all African financial systems
to allow for good exchange
in this sector. Thus, setting
up a platform for centralised

6 6 Presentation of Bezaq www.bezaq.app

I.1 Objectives of Bezaq
The objectives of the Bezaq platform are :
• Capitalising on government
revenue via S.A.V. (value-added
services)
• Eliminate tax evasion by setting
up a centralised payment system;
• To provide the State with a
single centralised platform for the
payment of taxes and other fees
from the financial authorities in a
secure, transparent and instantly
traceable manner;
• Propose budget management
tools (graphs by expenditure,
forecast analyses, immediate
categorisation of expenditure);
• Offering a reliable online current
account service for everyone. An
account that can interact with all
local financial systems. An account
that is functionally independent of
any physical bank branch;
• Provide a digital financial
experience for Congolese citizens
in particular and African citizens in
general;
www.bezaq.app
• Enable the Congolese state and
African governments to pay their
civil servants via this electronic
payment platform;
• Facilitate the remote payment
of transport, schooling, health
insurance, civil servants’ salaries,
collection and purchases;
• To offer African states a tool for
securing public revenue;
• Mutualise the Money mobile
transaction system with the DRC
and African Telecommunications
Operators;
• Carry out cross-border money
transfers with or without the use of
a currency conversion into another
foreign currency;
Objectives of Bezaq 77
 • To make available to the State an electronic payment tool
capable of operating in all socio-economic sectors, to put an
end to any financial collapse. A platform that functions as a kind
of financial highway, allowing the State to be able to control any
money flow in real time.

I.2. THE DIFFICULTIES

The DRC faces several economic and financial difficulties. The
tragedy is that everyone is living these problems in their own
corner. Here is a non-exhaustive list of some of the problems:

1. Weak financial system security ;

2. Lack of mutualisation between the different financial
systems ;
3. Too high a service charge ;
4. Lack of transparency and traceability of different
monetary transactions ;
5. Lack of service in some areas ;
6. An unstable monetary exchange rate where the cost of
the transaction depends on the person performing it;
7. The unavailability of information concerning the costs
of using the services;
8. Banking systems (mobile money) offer few services to
bring customers closer to what they need;
9. Geographical limitations that erect barriers to possible
economic and commercial exchanges between citizens
of different countries;

8 8 THE DIFFICULTIES www.bezaq.app

 I.3 Simplicity in the use of
the platform
The Bezaq platform has been developed to offer those who use it
interfaces that are both simple and pleasant to use, in order to provide
each user with a personalised user experience.

I.4. Bezaq as aggregator

Bezaq is a centralised platform for monetary transactions and
electronic payments that can interconnect all African mobile
financial systems and other international financial systems, with a
view to enabling good financial exchange for everyone, regardless
of geographical limitations. This interconnection will allow users to
freely carry out their transactions.

www.bezaq.app Bezaq as aggregator 99

 II. SERVICES AND PRODUCTS
OF THE BEZAQ PLATFORM
On its platform, Bezaq has several services and products that we
list in the following lines:

1. The Bezaq service Participatory contribution :

This service contains two products which are : Bezaq Donation
and Bezaq Rebate

1. Bezaq Donation:
Is the product that allows non-
governmental organizations, religious
denominations, political parties, sports
circles, etc., to create Bezaq accounts on
which their members (for NGOs), their
followers (for religious denominations),
their supporters (for political parties),
their fan clubs (for sports circles), can
pay membership fees, contributions,
donations, grants, offerings, tithes, in
order to support them.

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10 SERVICES AND PRODUCTS OF THE BEZAQ PLATFORM www.bezaq.app
 2. Bezaq Discount :

Is the product that allows users to

organise their rebate. A rebate that
takes place in the same way as the
traditional one. Except that this time it
has a technological touch, in order to
modernise it.

The modernisation of this activity by Bezaq Ristourne, brings the

following innovations and advantages:

• Breaking down geographical boundaries

Whether you are in Kinshasa, Stockholm, Paris, Senegal, at
distant points of the compass, with Bezaq Ristourne, this
geographical distance that used to be a problem for you, will
no longer be able to prevent you from making your rebate
remotely.

• Be informed in real time

Each member is informed in real time by the platform of any

activity that takes place there, through notifications on their
accounts. On the due date for the payment of the rebate
contribution on the platform, the system will automatically
inform all members of the names of all those who have
fulfilled their duties as well as those of all insolvent members.

And when a member has to leave or be paid, the platform

will automatically pay the beneficiary to his account. So the
notion of transparency is greatly enhanced, because it is the
system and not an individual who keeps and manages the
rebate money.

www.bezaq.app Bezaq Discount

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 2. Bezaq transfer :
Is the service that allows users to make their money
transfers. That is, sending, receiving and withdrawing
money at national and international level.

3. Bezaq payment :
Is the service packed with Bezaq products that allow
users to electronically subscribe to an online service
or electronically purchase a product online. Example:
Paying for electricity, water, school fees, re-subscription,
hotel reservations, restaurant reservations, shopping
remotely (in a shop, a pharmacy, a supermarket, etc.),
subscribing to a package, paying taxes or other fees
owed to the tax authorities remotely.

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a. Bezaq Ticketing
Is one of the products of Bezaq payment that
gives users the possibility to buy online tickets
for concerts, flights, trains, public transport,
etc...

13
 4. Bezaq conversion
Is the service that gives users the possibility of
converting their currencies into other currencies
of their choice.

5. Bezaq currency :
This service enables the Bezaq platform to make
its electronic money available to its users, so that
they can carry out all their transactions freely and
easily. Bezaq Money also allows Dealers (Bezaq
agents) to convert cash deposited by a customer
into electronic money on the customer’s account.

6. Bezaq Wallet or Bezaq

e-wallet :
With this service, the user has the possibility to move
the money on his account from another financial
system (mobile money, bank, Visa & MasterCard) to
his Bezaq account, which automatically becomes
an electronic wallet.

14 14 Bezaq Wallet www.bezaq.app

 7. Bezaq Marchand
The Bezaq Merchant service, or Merchant Account,
allows merchants to cash funds directly into their
Bezaq Merchant accounts and benefit from automatic
accounting on a daily, weekly, monthly and annual
basis.

II.1. Service charges

In relation to all operations of transfers, payments,
conversion, participative contribution and the Bezaq
merchant account; our biggest challenge is to give
users the possibility to have a free, reliable and easy to
use platform. A platform capable of functioning even
without a Sim card. A platform that works independently
of any geographical area and any kind of intermediary.

And when it comes to setting a price, Bezaq always puts

the interests of its customers first and foremost. So, for
them, Bezaq sets a price that beats all the competition
to allow them to save even more. Service charges are
supposed to vary depending on the transaction and the
pricing policy in effect.

www.bezaq.app 15
Service charges 15
 III. Opportunities
The Bezaq platform offers several opportunities to its
users in the financial and other sectors. In spite of its
primary mission as mentioned above, Bezaq also offers
several opportunities to individuals, companies and
governments. Bezaq also allows entrepreneurs to create
a large community based on a business-to-business
interconnection.
III.1. Opportunities for users :

• For individuals
Bezaq provides them with shortening the distance
solutions that adapt to their between the account
needs and possibilities. and its owner through its
Despite the presence of platform, which offers
banks and mobile money, them speed, traceability,
people want to get closer to reliability and security in all
their finances. They want to transactions. It adds real-
have a system that provides time account management
them with the tools to better and innovations ready to
manage their finances on support users in the daily
their own. But, a system use of their accounts.
that is within reach of their
purchasing power. The possibilities offered
by Bezaq are capable of
With regard to the problems convincing users to trust
of individuals mentioned the financial circuit in their
in the previous paragraph, respective countries again.
Bezaq solves this through
its platform, because it
promotes proximity by

16
• For (private) companies
Bezaq rend la gestion
d’une Bezaq makes it easy
and flexible to manage
an old or new, smaller,
medium or large company.
The Bezaq platform has
the tools for accounting,
report management, stock
management, global
management to name but a
few. In addition, commercial
companies benefit from
an e-commerce showcase
made available to them
by the Bezaq platform. As
part of the technological
innovation, Bezaq makes
it possible to integrate a
financial annotation system
(automatic recovery of
• For State and Para-State companies
They are experiencing
serious difficulties in terms
of managing revenues, staff,
customers, etc. Thanks
to Bezaq, a set of tools
is proposed to alleviate
the problems. As a result,
the managers of these
structures or the states
value added tax and other
charges) and provides them
with dematerialisation of
proof of payment (invoices).
The manager will thus
be able to easily manage
his business on site or
remotely. He will even be
able to pay his employees
directly from his company’s
Bezaq account.
With nearly 25,000
companies established
in the DRC, Bezaq can
meet the demand of those
companies that suffer
from complicated manual
management.
find a dashboard tracing
the activities carried out
on the accounts of public
institutions in real time.
17
 III.2. For Bezaq

The opportunities arise from the growth of the mobile

market and the penetration of FinTech in Africa and
worldwide.

• The mobile market is booming in Africa

Africa has six of the ten fastest growing economies in
the world. It is the world’s second largest market for
mobile phones - ‘smartphones’ sell four times more
than computers. According to the ICTworks blog,
between August 2011 and February 2012 the number
of Facebook users in Africa grew by 165%. “By 2016,
Africa is expected to have 1 billion mobile phones.”

Mobile Internet use in Africa is one of the most

developed in the world. The use of mobile internet in
Africa is one of the most developed in the world. There
are significant opportunities to use social networks
for commercial purposes.

www.bezaq.app
18 For Bezaq
 • FinTech’s penetration rate in Africa and worldwide

38% of the world’s population to a phone subscription and

does not have a current a mobile phone. At the end of
bank account and an even 2015, only 46% of the African
larger proportion does not population had a mobile
have access to the simplest subscription, compared to
investment and insurance 63% worldwide. This figure
products. FinTech’s online is expected to rise to 54 per
services have benefited a cent by 2020, compared to
large number of consumers 72 per cent worldwide.
in sub-Saharan Africa, where
mobile money accounts
have stimulated growth in
overall account penetration
from 24% in 2011 to 34%
in 2014. However, access
to the benefits of mobile
FinTech depends on access
And according to an article in Jeune Afrique published on
03/04/2020: ‘’Africa will exceed 500 million mobile money users
in 2020. With 50 million new accounts created on the continent
in 2019 and a 12% growth in registrations, Africa is by far the
leading continent in terms of mobile money. But this development
remains uneven across regions’’.
Concerning the inequality of FinTech’s penetration in Africa
(mobile money), Kenya comes in first place with a penetration rate
of 96%.

www.bezaq.app For Bezaq

19
 Therefore, with regard to all the statistics we have just cited
above, we feel it is important that the DRC, Africa and the rest of
the world use:

I. A centralised platform for monetary transactions and

electronic payments, allowing users (global citizens) to pay
financial transaction fees at affordable rates.

Users of the platforms or of different Banks are able to carry

out banking transactions easily and quickly. This is achieved
by avoiding all the protocols that would have to be faced at
the counter.

II. A platform that provides any user with a history in the form
of a dashboard. A dashboard on which all the transactions
that the user has made on his account are recorded. The
user will also be entitled to a statistical graph on which he
will have an overview of all his daily, weekly, monthly and
annual transactions.

III. A secure electronic system that gives them the freedom

to walk around with money without worrying about being
mugged or being noticed.

IV. A platform that gives African governments the opportunity

to control the financial, economic and commercial circuits of
their countries.

20 For Bezaq www.bezaq.app

 IV. Proximity
Proximity at Bezaq is defined by the fact that you can search and
find third-party services registered on the Bezaq platform located
near your home (shop, pharmacy, etc. ).

Thanks to the geolocation service integrated into the Bezaq

platform, the distance between you and the products or services
you need is even shorter. As a result, the user finds what he is
looking for closer to him with greater precision.

V. Technologies used by the

Bezaq platform
To meet the needs of users, the Bezaq platform
integrates several technologies within it:

1. Blockchain technology
It opens up more possibilities in the fields of
finance. Bezaq integrates it on its platform
to facilitate payments and all transactions.
With it, the Bezaq platform makes payments
and money transfers faster, smoother
and more secure. Each transaction is
authenticated by the platform to reduce the
risk of fraud. To this end, no movement can
go unnoticed on the Bezaq platform. As a
result, the platform optimises the quality of
its back office services.

www.bezaq.com Technologies used by the Bezaq platform 21

 2. OCR technology
Optical character recognition (OCR). It allows you to
retrieve some information from certain media. Bezaq
uses it to retrieve data from certain documents to be
provided on the platform at the time of registration, when
adding non-Bezaq accounts and when scanning the QR
code. This process makes it easy to make withdrawals
from Dealers Bezaq and other service providers who use
the platform as an electronic payment solution. Beyond
that, Bezaq can verify the authenticity of dematerialised
evidence that its platform provides to users.

22 OCR technology www.bezaq.app

 3. Dematerialisation technology
The Bezaq platform is it out and can also check
designed to be faster, more the authenticity of the proof
efficient and safer. To achieve through the dematerialised
this, it is turning towards proof verification engine.
the dematerialisation
of evidence, which is a Merchants and commercial
possibility to make any businesses can now do
evidence provided by the without the need to provide
latter immaterial. physical proof of payment as
the platform takes care of this
For each operation carried for them. They can retrieve all
out on the platform, it keeps electronic evidence provided
several traces, among which to users from the platform.
are invoices and receipts
for services paid from the
platform in digital format.

The user can download it to

convert it into a PDF file and
store it on his or her phone or
elsewhere. The user can print

www.bezaq.app Dematerialisation technology 23

 4. NFC
technology

The word NFC is an

abbreviation of the term
in English (Near Field
Communication) or French
(Communication à Champ
proche). The technology is
used to facilitate contactless
transactions between
equipment (electronic card,
tag, smartphone) equipped
with an NFC chip and the PTE
Terminal. Bezaq integrates
it into its platform to enable
users to make payments,
cash receipts and other
transactions by simply
bringing (the electronic card,
tag, smartphone) closer to
the mobile payment terminal
(Pos).

24 NFC technology www.bezaq.app

5. Geolocation
technology (GPS)
GPS (Global Positioning around the user but can be
System) technology is extended for more results
designed to make it easier to when searching.
locate people and objects.

Bezaq integrates it into

its platform to enable
users to easily find service
providers that are close
to them (pharmacy, shop,
supermarket, etc.).

This location does not stop

at the service providers

6. AI technology (Artificial
Intelligence)
It intervenes in several
areas of our lives. Bezaq
uses it to control all the
technologies embedded
on the platform in order to
achieve speed, precision
and safety in the operations
carried out on its platform.
Artificial intelligence plays
an important role from the
moment it is registered for
use. Its precision enables the
platform to be more reactive
and innovative in response to
user needs.
The intervention of artificial
intelligence is in several
stages on the Bezaq platform
among others :

AI technology (Artificial Intelligence) www.bezaq.app 25

 a.On registration
It facilitates the user’s data
recovery operations. As a result,
the registration time is short and
accurate. It collects as much
information as possible to enable
the platform to secure the user and
his operations.

b. In use
It allows the user to take control of the account. The latter
discovers a light and easy to use platform. It offers the
user a successful customer experience that evolves with
his needs.

26 In use www.bezaq.app
c. Assistance
It assists users in their searches
and gives them the possibility to
make a good decision in their choice
on the platform. Bringing together
users and service providers who
use Bezaq as a payment solution
becomes possible thanks to artificial
intelligence that uses geolocation
to locate the position of service
providers. And this makes it easy to
locate the services offered on the
platform.

Thanks to it, Bezaq offers a summary

of all the operations carried out
on the platform, with the aim of
helping users to spend and save
money. It also allows users to find
other assistance in medical, fiscal,
educational, payment, financial and
other areas.

Assistance www.bezaq.app 27
 d. Safety and
security

To guarantee security for each

transaction and action, the artificial
intelligence integrated on the
Bezaq platform combines all the
technologies embedded on it to
monitor in real time each operation
carried out by the user and detect
the slightest security flaw.

VI. Innovations
The innovations available on the Bezaq platform, bring a
new policy regarding its use, security, remote access and
many other possibilities that the platform makes available
to these users. For this we quote:

1. Independence
Bezaq as a FinTech platform, gives the user the possibility
to have an account without depending on a financial
institution or a telecom operator.

28 Safety and security www.bezaq.app

2. No more geographical limits

Bezaq gives you the opportunity to go beyond all

geographical boundaries. Through it, you have the
possibility to be anywhere in the world with your account
and the services attached to it, carry out all your financial
transactions without any worries. And this is made
possible thanks to the technologies that make it up, an
internet connection and compatible equipment.

3. Pooling of accounts.
Bezaq allows its users to add their mobile money
accounts to their Bezaq accounts and perform certain
operations such as (Deposit, Withdrawal and Sending).

Pooling of accounts www.bezaq.app 29

 4.The dematerialisation of proof of
payment :

Bezaq introduces these users to a new era where

dematerialisation technology is in full swing. It enables
service providers working on the platform to provide
electronic proof of payment (invoice, receipt) to Bezaq
users who make payments and purchases of services.
The user has the receipt or invoice stored in his Bezaq
account which he can download at any time.

30 The dematerialisation of proof of payment www.bezaq.app

5. Integration of Visa and
Mastercard platforms

Manage your Visa and MasterCard accounts from your

Bezaq account. By carrying out operations such as:
withdrawing and depositing money.

6. Security
• Biometric security

Bezaq uses some of the user’s personal information

(fingerprints) to secure and validate all transactions. Thus,
only the owner of the account will be able to confirm any
transaction.

• Security in the validation of operations

Each operation initiated by the user, will require a confirmation

from the user for validation.

Security www.bezaq.app 31
 7. Technologies
• ORC (optical character recognition) or ROC
(reconnaissance optique de caractère);

Is used to retrieve data from certain documents (IDs,

RCCM, Visa & Mastercard...) provided by the user on the
platform at the time of registration, when adding a Visa
& MasterCard and when scanning a QR code.

• Blockchain or Block of chains

In the financial sector, Bezaq integrates this technology
on its platform to facilitate payments and all transactions.
Thanks to it, the Bezaq platform guarantees speed,
fluidity and security for all operations.

• QR Code or QR Code
Two out of three users make
mistakes when sending,
withdrawing or paying for
services.
This is why Bezaq integrates
the QR Code on its platform to
avoid these types of errors when
sending or withdrawing from a
Bezaq Dealer.

When paying for goods or services at a Merchant or

company that uses Bezaq as a payment solution and
when checking a dematerialised proof of paymen t.

32 Technologies www.bezaq.app
 o NFC (Near Field Communication Technology)

Bezaq integrates it to facilitate

electronic payments that do not
require physical contact with
electronic payment terminals.

It will be used for the payment

of: transport passes, market
gardening taxes, electronic
verification of school fees, etc.

8. Participatory contribution

Rebate
In its pan-Africanist vision, Bezaq is
reinventing the rebate and modernising
it to allow users to contribute on site or
remotely. When the rebate expires, the
platform will automatically send the
money to the beneficiary’s account.

Donation

Associations, families and all other

forms of groupings are finally finding a
different and new way of participating
in the emergence of their community
by making donations on the spot or
at a distance.

Participatory contribution www.bezaq.app 33

 9. Virtual assistance (Woodo)
In order to adapt the platform to the needs of users, Bezaq is
already working on setting up a virtual assistance system (Woodo)
that will interact with users to assist them in their daily use. Ask
any question and get assistance in a flash regarding everything
(your account, services and products, etc. ).

34 Virtual assistance (Woodo) www.bezaq.app

Plus le moteur de Bezaq obtiendra d’informations, plus il sera
performant. Sa puissance permettra de développer des chatbots
de plus en plus complexes, sophistiqués, capables d’effectuer
des opérations contextualisées et de faire des propositions
plus pertinentes concernant les offres des marchés, ainsi que
d’autres services connexes, afin de développer une relation
privilégiée avec le consommateur de service que Bezaq offre
en tenant compte des interactions précédentes.

La richesse de sa base de données lui permettra d’apporter des

réponses adaptées en continu et de prédire les besoins futurs.
Cet ensemble de caractéristiques contribuera à la création
d’un lien de confiance et d’attachement que l’on peut presque
qualifié d’émotionnel.

Quelle que soit l’étape du parcours du client, la personnalisation

est un facteur de différenciation clé pour Bezaq. Vu le cours de
la technologie, l’intelligence artificielle devient une technologie
fondamentale pour un accompagnement digital individualisé
et intelligent, mais également pour répondre à des enjeux aussi
nombreux que variés, tels que la personnalisation de masse,
une meilleure compréhension du client.

10. Assistance dans la gestion de finances

Bezaq soucieuse d’accompagner tout le jour ses
utilisateurs, met à leur disposition un outil retraçant à
un graphique statistique sur lequel ils auront une vue
d’ensemble de toutes ses transactions journalière,
hebdomadaire, mensuel et annuelle et établir de
prévisions budgétaires dans l’objectif de leur permettre
de faire des économies.

Assistance dans la gestion de finances 35

 VII. Security
In the case of Bezaq, the safety of its platform remains a
major priority on all levels. It is increasingly maximised.
And it extends to several scales which are :

1. The security of the Bezaq platform

Through its design and development, the Bezaq platform
is equipped with a wide range of security types used in
the banking and high-tech industries. The latter complies
with international standards relating to the protection of
user data, transactions and crucial information on the
platform.

2. Transaction security
It is involved in all transactions. For each transaction
carried out from a Bezaq account, the platform requires
confirmation of the action to the owner by means of a
pin code. And to make its security even more hermetic at
this level, Bezaq adds biometric security (fingerprints),
as it offers several advantages for the user.

3. The security of a Bezaq account

Bezaq accounts are designed so that only the account
holder can access them. Therefore, a password is
required to log in, log back in, lock and unlock it.

36 Security www.bezaq.app
When opening a Bezaq account, the user is obliged to fill in a
security question form. This is so that in case of loss of his
mobile phone, the user can provide the answers chosen when
filling in the form, in order to facilitate the recovery of his account
on another device (Smartphone, tablet or computer).

Sécurité 37
www.bezaq.app
 Our projections
• Provide a digital financial experience for Bezaq users;

• Capitalising on state revenue via S.A.V. (value added

services) ;

• Eliminate tax evasion by setting up a centralised payment

system;

• Propose budget management tools (graphs by expenditure,

forecast analyses, immediate categorisation of expenditure);

• Facilitate payments: for transport, school fees, electricity,

water, purchases, collections, health insurance, civil servants’
salaries;

• To provide African and other states with a single, centralised

platform for the payment of taxes and other fees from
financial institutions in a secure, transparent and instantly
traceable manner;

• Offering a reliable online current account service for

everyone. A service that operates independently of a
physical branch, but capable of interacting with all local and
international financial systems.

• To offer African States a tool for securing public revenues; •

Mutualise the transaction systems of Money mobile phones
with the Telecommunications Operators;

• Carry out cross-border money transfers with or without the

use of foreign currency conversion.

38 Our projections www.bezaq.app

VIII. Conclusion

E
volution is pushing the Any African citizen, any
world to change its ways African company and any
and Africa must do the African government wishing to
same. To do so, the manage its finances efficiently,
leaders of African states must Bezaq stands by their side by
rethink the financial circuits of
making available its platform,
their countries, which remain innovations and solutions
both obsolete and fragile. ready to meet their needs
While Africa offers several for electronic payment of
opportunities in the sectors of goods and services, low cost
trade, employment, agriculture, money transfers and currency
etc., this weakness in the conversion, saving money with
control of its financial circuitits electronic wallet, cashing
poses a serious problem for its directly into the merchant
development. account, contributing remotely
or on the spot with the
Faced with the challenges participative contribution.
facing Africa and these states,
commercial banks will not be All of the possibilities provided
able to provide effective aid. by Bezaq give African citizens
And to answer the questions and others the ability to manage
that are delaying African their finances in real time,
countries from becoming African businesses the ability
masters of their financial to manage their revenues,
circuits in order to accelerate accounting, etc. efficiently, and
their development, the new African governments the ability
generation of companies to manage taxes, other levies,
known as FinTech is there to personnel and effective control
answer, because they are both of their financial circuits in real
flexible and easy to deploy. time.

Conclusion www.bezaq.app 39
 Therefore, thanks to Bezaq, Thus, the Slogan << One platform,
geographical boundaries will More Possibilities >> which
no longer be an obstacle. For means << One App, Several >>
a large and well-controlled free
trade area will become a reality.

Therefore, thanks to Bezaq,

geographical boundaries will no
longer be an obstacle. For a large
and well-controlled free trade area
will become a reality.

40 Conclusion www.bezaq.app
IX. The Bezaq team
Bezaq is a team of specialised computer engineers
(Development, Security and Network) whose challenge is to
satisfy users by offering them a technically complex platform
that is simple to use.

It is also a group of Congolese entrepreneurs concerned

about the technological development of the DRC in particular
and Africa in general.

This team is still composed of managers and financiers who

offer excellent management, marketing, communication,
in short all the strategies concerning the piloting of the
company.

Key personality
Adem KUSENGANA MBOMBANI Hugues LUSALUSU BUHIKA
Founder & Chairman & CEO Vice-Président
Bezaq SARL Hugues.lusalusu@bezaq.app
ademkusengana@bezaq.app
+243899979100

Lionel MBALA NZUZI Merhi BAKIZOLELE SITULANDA

Director of Technology & Director of Operations
Engineering Merhi.bakizolele@bezaq.app
Lionel.mbala@bezaq.app

The Bezaq team

www.bezaq.app 41
Members of the company

Hugues LUSALUSU BUHIKA Pierre LOSOKE SONGO

Administrative Director Director of Human Resources
Hugues.lusalusu@bezaq.app Pierre.losoke@bezaq.app

Boniface BEYA KABASELE Falonne Bakizolele Tuzindalala

Director of Communication Chief Financial Officer
beya.kabasele@bezaq.app Falonne.bakizolele@bezaq.app

Hervé NZAPADA Rizie Ilunga Musau

Digital manager Legal Director
Herve.nzapada@bezaq.app Rizie.ilunga@bezaq.app

Alb’erick KIAKA MAKAMBO Naomie MUBWABU NZAZI

Responsible for training Public Relations
Alberickiaka@bezaq.app Naomie.mubwabu@bezaq.app

Ange KINONGO MUKEMU Gloirael NDAKAZIEKA YIMBU

Senior Counsel Company health and safety
Ange.kinongo@bezaq.app Gloirael.ndakazieka@bezaq.app

James MAYALA SAKA Lucile NDUENGOSO NKAYILU

Lead Designer Administrative Correspondent
Jeancy.mayala@bezaq.app Lucile.nduengoso@bezaq.app

STAFF COMMUNICATION
Benie KONGOLO KANKU
Exousia SUANA KIAMANA
Andréa KIYEDI MESO

42 Members of the company www.bezaq.app

 Our greetings to the team that worked on the BEZAQ
business plan:
Ir. Adem KUSENGANA MBOMBANI
Ir Christophe KAYA-DE-KIMIKA
Ir. Merhi BAKIZOLELE SITULANDA

Our thanks

An expression of our deep gratitude to :

Thérèse BITUKU MAYASILWA

Jacques TSHIMANGA KASANGA
Benie KONGOLO KANKU
Exousia SUANA KIAMANA
Andréa KIYEDI MESO
Marie ASHINGO SHOKO
Benjamin MUKINI LAMURI
Joseph MANIKA NDOMBE
Joachim SITU NIMI
Francy NDUDI NDUBU
Francky BOPAMU BOPIMA
Michel NKANZA WA-NSEMI
Gédéon MAYUKUTA DINA VANA

Bezaq thanks you for your attention!

copyright@2021 Translated by DeepL

Our thanks www.bezaq.app 43

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