USSD Digital Wallet

This paper deals with the research of the utilizing Unstructured Supplementary Service Data (USSD) to create a digital payment solution that bridges the gap between technology and banking to bring financial inclusion to the majority of people who do not have wide access to internet. By developing an open source web enabler in the form of an Application Programming interface (API), our software promotes banking to the unbanked and progresses towards secured financial convenience for all. Not only it will serve the unbanked people, it will also offer payment solutions to those who already have bank accounts by connecting to the banks of their personal choice for payment services, which makes our product a one stop solution for all the financial service needs without using the internet. Initial implementation of this software suite has been tested successfully on Africa's Talking USSD simulator in the form of a prototype.