From cash to bank: digitising school fees, rent and church contributions

Some of the most common payments in daily life are still among the least digital. Parents queue at banks to pay school fees in cash. Landlords chase rent. Churches count tithes and offerings by hand.

Each of these is a collection problem, and each can be solved the same way: receipt the payment, bank it straight away, and show everyone where things stand.

One idea, three platforms

E&M's Payments Management Platforms each give the payer convenience and a receipt, give the institution real-time visibility, and give the bank a new stream of customers and deposits.

School fees

Schools set up fee structures by class and term, and every learner is invoiced automatically. Parents pay through bank and mobile money channels using the learner's unique number and get a receipt immediately. Bursars and heads see collections and arrears in real time.

Rent

The Real Estate Solution manages landlords, agents, tenants and units across the whole tenancy. Rent and service charges are billed automatically, tenants receive instant receipts, arrears are tracked as they arise, and landlords are paid out automatically.

Church contributions

The Church Membership Solution brings membership and contributions onto one platform shared by the church, its members and its bank. Members register through a web app, give by M-Pesa and follow their own giving history.

Every shilling accounted for, and every payer with a receipt.

Why banks care

For a bank, these platforms are more than convenience. Each school, landlord or church that collects through the bank brings its payers and its deposits with it.

See all our payments platforms, or talk to us about digitising your collections.