Capital Pay International and the Future of Financial Inclusion in South Sudan
How a licensed e-money provider is working to bring more South Sudanese into the digital economy.
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General information, not financial advice
Editorial note on sourcing
Across South Sudan, most working adults still manage money and trade largely in cash. Expanding access to digital financial services is widely seen by development economists as a route to lower costs, greater safety and stronger small-business growth.
Capital Pay International Ltd is one of the companies operating in this space. According to the company's own records and its customer platform, Capital Pay is incorporated under the South Sudan Companies Act, 2012 and licensed by the Bank of South Sudan to carry on the business of Electronic Money Services.
Reducing the cost of trade
The company has been reported by regional business press as entering partnerships aimed at lowering logistics costs for South Sudanese traders, including agreements with the Kenya International Freight and Warehousing Association (KIFWA) and with Viaservice Kenya for real-time cargo monitoring.
“The middlemen are always putting their fees on top, claiming a fictitious fee of over $5,000 they call a container deposit.”
— Garang Malek, CEO of Capital Pay International, in a published KBC interview
What remains to be verified
Specific impact figures — such as the number of users, agents or jobs created — should be published only with documented methodology. Maridian labels such figures as developing until they are independently verifiable.
Aluel Deng reports on business, trade and financial inclusion across South Sudan and East Africa.
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