om.csv

id,term_en,term_local,language,category,definition_local,definition_en,example_local,example_en,version
om-001,Access Point,Bakka Tajaajilaa,om,Channel,"Fayyadamtootni tajaajila faayinaansii qaamaan yookiin karaa dijitaalaa (kanneen akka kaffaltii raawwachuu, maallaqa erguu, yookiin deeggarsa argachuu) itti argataniidha. Ulaan tajaajilaa damee baankii, ATM, maashinii kaffaltii, suuqii bakka bu’aa, bilbila moobaayilaa, fi kompiitara ta’uu danda’a.","A physical or digital location where users can interact with digital financial services-such as making payments, sending money, or getting support. Access points can include bank branch offices, ATMs, terminals at the POS, agent outlets, mobile phones, and computers.","Suuqiin bakka bu’aa herreega mobaayilaa yookan koodiin gabaabaa bilbilaa haftee herregaa ilaaluuf gargaaru, lachuu akka bakka tajaajilli itti argatanitti lakkaa’amu.",A mobile money agent kiosk or a USSD code on a basic phone that allows users to check their balance are both considered access points.,1.0
om-002,Accessibility,Dhaqqabamummaa,om,Concept,"Haala itti namoonni, bakka jireenyaa, sadarkaa barnootaa, dandeettii qaamaa, yookiin teeknoolojii fayyadamuu isaanii irratti osoo hin hundaa’in, tajaajila faayinaansii dijitaalaa salphaatti argachuu fi irraa fayyadamuu danda’aniidha.","The ease with which individuals-regardless of their location, literacy level, physical ability, or access to technology-can use and benefit from digital financial services.","Tajaajilli maallaqa moobaayilaa karaa USSD hojjetuu fi afaanota naannootiin qajeelfama kennu, fayyadamtoota baadiyyaa bilbila ammayyaa hin qabneef akka tajaajila dhaqqabamaatti (accessible) ilaalama.",A mobile money service that works via USSD and provides instructions in local languages is considered accessible to rural users without smartphones.,1.0
om-003,Account,Herreega,om,Product/Instrument,"Galmee dhuunfaa dhaabbatni tajaajila faayinaansii qabatu, fayyadamtootni maallaqa kuufachuu, sochii herreegaa hordofuu, fi tajaajiloota akka erguu, fudhachuu, fi qusachuu itti argataniidha.","A personal record with a financial service provider where users can store money, track transactions, and access services like sending, receiving, or saving funds.","Herreegni maallaqa moobaayilaa, fayyadamtoonni baadiyyaa jiran maatiif maallaqa akka ergan, meeshaa akka bitatanii fi maallaqa alaa ergamu (remittance) bilbila isaaniitiin akka fudhatan isaan dandeessisa.","A mobile money account lets users in rural areas send money to family, pay for goods, and receive remittances using their phone.",1.0
om-004,Active User,Fayyadamaa Si’ataa,om,Metric,"Nama yeroo hunda tajaajila faayinaansii dijitaalaa fayyadamuun sochii maallaqaa kanneen akka maallaqa erguu, kaffaltii raawwachuu, yookiin oomisha faayinaansii argachuu raawwatu.","A person that regularly uses digital financial services to perform transactions such as sending money, making payments, or accessing financial products.","Qonnaan bulaan torban guutuu maallaqa moobaayilaa isaa fayyadamuun maatiif maallaqa ergu, kaardii guuttatu, fi xaa'oo bitatu, fayyadamaa si’ataa dha.","A farmer who uses their mobile money every week to send money to family, buy airtime, and pay for fertilizer is considered an active user.",1.0
om-005,Activate / Activation,Hojii eegalchiisuu,om,Process,"Gocha tajaajila faayinaansii haaraa, hin fayyadamamiin ture yookan ittifame (kan akka herrega baankii, kaardii liqii, ykn waaleetii dijitaalaa) akka hojii eegalu taasiisuudha. Kunis adeemsa herrega tajaajila faayinaansii tokko itti fayyadamuuf qopheessuuti.","The process of making a newly issued, dormant, or restricted financial product (such as a bank account, credit card, or digital wallet) functional and usable by the customer.","Fayyadamaan tokko baankii dhaqee herrega baankii moobaayilaa haaraa bana. Appii baankichaa erga buufatee booda, baankichi tajaajilicha eegalchiisuuf furtuu yookan koodii (activation key) gara bilbila fayyadamichaatti erga.",,1.0
om-006,Agent,Bakka Bu’aa,om,Role/Actor,"Nama yookiin daldalaa eeyyama qabuufi dhiyeessaa tajaajilaa bakka bu’uun tajaajila faayinaansii dijitaalaa (kanneen akka maallaqa galchuu, baasuu, galmeessuu fi deeggarsa maamilaa) kennudha.","A person or business authorized to provide digital financial services on behalf of a provider—such as cash-in, cash-out, registration, and customer support.","Abbaan suuqii maamiltoonni maallaqa moobaayilaa isaanii irra maallaqa akka galchan yookiin baasan gargaaru, bakka bu’aa baankii yookiin dhiyeessaa waaletii sanaati.",A shop owner helps customers deposit or withdraw money from their mobile money on behalf of a bank or wallet provider is an agent.,1.0
om-007,Agent Network,Hidhata Bakka Bu’ootaa,om,Infrastructure,"Garee bakka bu’ootaa gaaddisa tajaajila faayinaansii tokko jalatti hojjetanii fi bakkaadda addaatti tajaajila akka maallaqa galchuu, baasuu, fi galmeessuu kennanidha.","A group of agents working under a financial service provider to deliver DFS like cash-in, cash-out, registration, and support across different areas.","Suuqiin daldalaa kanneen hidhata bakka bu’ootaa (agent network) keessatti hammataman keessaa tokko ta’ee; bilbila harkaafi waraqaa eenyummaa fayyadamuun, dhaabbata tajaajila faayinaansii tokko jalatti ta'uudhaan, miseensota hawaasa naannawaatiif tajaajila faayinaansii dijiitaalaa kan kennu dha.","An agent network may include, mobile vendors who help people access digital financial services in their communities using phones and ID cards.",1.0
om-008,Agent Outlet,Wiirtuu Bakka Bu’aa,om,Channel,"Iddoo dhaabbataa bakka bu’aa (agent till) qabachuun, dhiyeessaa tajaajilaa bakka bu’ee maamiltoota galmeessuu, akkasumas maallaqa galchuu fi baasuu raawwatudha. Wiirtuuleen kunniin yeroo baay’ee daldala biraa (kan akka suuqii ykn tajaajila biroo) cinaatti tajaajila kana kennu.","A physical location that carries one or more agent tills, enabling it to perform enrolment as well as cash-in and cash-out transactions for customers on behalf of one or more providers. Agent outlets may have other businesses (typically SMEs) and support functions.","Suuqiin (grocery) xiqqaan mallattoo ""Bakka Bu'aa "" (agent) qabu fi kaffaltii raawwatu, Wiirtuu Bakka Bu'aati.","An agent outlet can be a small retail shop where customers go to send money, cash out, or get help with their mobile money using their phone and ID.",1.0
om-009,Agent Till,Herreega Bakka Bu’aa,om,Infrastructure,"Herreega dijitaalaa ykn waaletii dhaabbanni faayinaansii bakka bu’aadhaaf kennu ta’ee, kaapitaala hojii (float) ittiin bulchuu fi tajaajila maallaqa galchuu (cash-in) fi baasuu (cash-out) maamiltootaaf raawwachuuf kan tajaajiludha.","A digital account or wallet assigned to an agent by a financial service provider, used to manage float (working capital) for processing customer transactions like deposits and withdrawals.","Yeroo maallaqa callaa bakka bu'aatti kennitan, isaan maallaqa elektirooniksii Herreega Bakka Bu'aa isaanii keessaa gara bilbila keessaniitti ergu.","An agent uses their till to receive money from customers who want to deposit into their mobile wallets, and to give out cash when customers withdraw.",1.0
om-010,Aggregator,Walitti Qabaa,om,Role/actor,"Dhaabbata yookiin pilaatfoormii dhiyeessitoota tajaajila faayinaansii hedduu (baankota, telekoomii) fayyadamtoota yookiin bakka bu’oota waliin wal qunnamsiisudha. Sosochii maallaqaa qajeelchuu fi wal-unannoo mirkaneessuuf gargaara.","A company or platform that connects multiple financial service providers to users or agents, helping to route transactions, manage integrations, and ensure interoperability. Scheme rules often specify what aggregators are allowed to do.","Dhaabbanni kaffaltii tajaajilaa kaffaltii bishaanii, ibsaa, fi adabbii tiraafikaa appilikeeshinii tokko qofa keessatti baankii barbaadaniin akka kafaltan isiniif dhiyeessu Walitti Qabaa dha.","An aggregator enables a mobile money to work across different banks and telecoms, so users can send money or pay bills without needing separate accounts for each provider.",1.0
om-011,Application (App),Appilikeeshinii,om,Channel,"Sagantaa sooftiweerii fayyadamtoonni bilbila ismaartii yookiin taableetii irratti buufachuun tajaajila faayinaansii dijitaalaa akka maallaqa erguu, kaffaltii raawwachuu, fi haftee ilaaluu itti argatan.",,"Herreega baankii keessan bilbila ismaartii irratti fayyadamuuf appilikeeshinii ""Coopay"" buufachuu qabdu.",,1.0
om-012,Balance,Haftee,om,Metric,"Hamma maallaqa herreega yookiin waaletii fayyadamaa irra jiru. Maallaqa hammamii baasuu, erguu yookiin fayyadamuu akka danda’an agarsiisa.","The amount of money currently available in a user's account or wallet. It shows how much the user can spend, send, or withdraw.","Herregni baankii Obbo Abebe isa duraan maallaqa tokkollee keessaa hin qabne, kaleessa birriin kumni 4 erga itti galee booda, Obbo Abebe har'a birrii kuma 1 waan baaseef, herregni Obbo Abebe yeroo ammaa (Hafteen) birrii kuma 3 dha. Yeroo maraa maallaqa erguu keessan dura haftee keessan ilaalaa.",,1.0
om-013,Bank Accounts,Herreega Baankii,om,Products/Instrument,"Galmee dhuunfaa yookiin daldalaa dhaabbata faayinaansii fayyadamtoonni maallaqa kuusuuf, kaffaltii fudhachuuf, fi tajaajila akka baasii, dabarsaa fi qusannoo argachuuf gargaarudha. Dameewwan baankii, ATM, ergaa gabaabaa yookiin appilikeeshinii moobaayilaatiin argamuu danda’a.","A bank account is a personal or business record held by a financial institution where users can store money, receive payments, and access services like withdrawals, transfers, and savings. It can be accessed through branches, ATMs, USSD or mobile apps, in which case it is sometimes referred to as mobile banking.","Hojjettoonni yeroo baay’ee mindaa ji’aa kallattiin Herreega Baankii isaaniitiin fudhatu, sana booda ATM baankii fayyadamuun maallaqa callaa baasuuf tajaajilamu.",,1.0
om-014,Bill Payment,Kaffaltii Tajaajilaa,om,Use case,"Sochii faayinaansii fayyadamaan tajaajiloota yookiin kanneen akka ibsaa, bishaan, interneetii, yookiin kaffaltii mana barumsaatiif tajaajila faayinaansii dijitaalaa fayyadamuun itti kaffaluudha. Kaffaltiin tajaajilaa karaa maallaqa moobaayilaa, appilikeeshinii baankii, USSD/ergaa gabaabaa, yookiin wiirtuu bakka bu’aa raawwatamuu danda'a.","A financial transaction where a user pays for services or utilities—such as electricity, water, internet, or school fees-using digital financial services. Bill payments can be made through mobile money, banking apps, USSD, or agent outlets.","Namni tokko gara bakka bu’aa maallaqa moobaayilaa deemuun, maallaqa callaa kennee, bakka bu'ichaan kaardii ibsaa akka dijitaalaan guutuuf gaafata.","A person visits a mobile money agent, gives cash, and asks the agent to recharge their electricity card digitally.",1.0
om-015,Bill Splitting,Kaffaltii Qooddachuu,om,Use case,"Yeroo namoonni lamaa fi sanaa ol baasii kaffaltiiwwan akka nyaataa, geejjibaa, yookiin tajaajilaa qooddatanii, tokkoon tokkoon isaanii qooda isaanii karaa tajaajila faayinaansii dijitaalawaa kaffalanidha.",,"Hiriyoonni mana nyaataa keessatti erga nyaatanii booda, maallaqa moobaayilaa fayyadamuun tokkoon tokkoon isaanii qooda baasii waliigalaa ofii kaffalu.",,1.0
om-016,Borrowing,Liqeeffachuu,om,Product/Instrument,"Adeemsa fayyadamaan dhaabbata tajaajila faayinaansii kanneen akka baankii, maayikiroo-faayinaansii, yookiin pilatfoormii liqii dijitaalaa irraa, maallaqa fudhatee, booda dhala waliin deebisuuf itti waliigaludha. Liqiin karaa appilikeeshinii moobaayilaa, USSD/ergaa gabaabaa, yookiin tajaajila bakka bu'aan deeggaramuun argamuu danda'a.","Borrowing is when a user receives money from a formal financial service provider—such as a bank, microfinance institution, or digital credit platform—with an agreement to repay it later, often with interest. Borrowing can be accessed through mobile apps, USSD, or agent-assisted services.","Abbaan suuqii xiqqaa meeshaa daldalaa dabalataa bitachuuf, appilikeeshinii moobaayilaa dhaabbata maayikiroo-faayinaansii eeyyamamaa irraa maallaqa liqeeffatee, torban torbaniin kaffaluuf waliigala.",A small shop owner borrows money through a mobile app offered by a licensed microfinance institution to restock goods and agrees to repay in weekly installments.,1.0
om-017,Bulk Payments,Kaffaltii Jumlaa,om,Use Case,"Tajaajila faayinaansii dijitaalaa dhaabbileen yookiin namoonni dhuunfaa yeroo tokkotti namoota hedduuf maallaqa itti erganidha. Tajaajilli kun yeroo hedduu mindaa, kaffaltii dhiyeessitootaa, yookiin gargaarsa hawaasaatiif kan oolu yoo ta'u, karaa daashiboordii maallaqa moobaayilaa, poortaalii baankii, yookiin API wal-qabsiisuun raawwatama.","Bulk payments refer to a digital financial service that allows organizations or individuals to send money to multiple recipients at once. This is commonly used for salaries, vendor payments, or social transfers, and is processed through formal platforms such as mobile money dashboards, banking portals, or integrated APIs.",Kaampaaniin tokko pilatfoormii maallaqa moobaayilaa fayyadamuun mindaa ji'aa hojjettoota isaa hundaaf karaa waaletii isaanii galcha.,A company uses a mobile money platform to send monthly salaries to all its employees’ wallets in one transaction.,1.0
om-018,"Buy Now, Pay Later (BNPL)","Amma Biti, Booda Kaffali",om,Product/Instrument,"Filannoo kaffaltii maamiltoonni oomisha yookiin tajaajila hatattamaan bitatanii, kaffaltii isaa booda (qooqqodameee) itti kaffalanidha. Kunis yeroo baay'ee karaa pilaatfoormii dijitaalaa yookiin appilikeeshiniidhaan kan dhiyaatu yoo ta'u, dhala yookiin kaffaltii tajaajilaa qabaachuu yookiin dhabuu danda'a.","A payment option that lets customers buy goods or services immediately and pay for them later, often in installments. It is usually offered through digital platforms or apps and may or may not include interest or fees.","Barataan sun tajaajila Amma Biti, Booda Kaffali appilikeeshinii bittaa irra jiru fayyadamuun bilbila haaraa bitatee, kaffaltii isaa marsaa sadiin kaffala.",,1.0
om-019,Cash-In,Maallaqa Galchuu,om,Use Case,Maallaqa callaa (physical cash) bakka bu’aatti kennuun gara maallaqa elektirooniksii (eMoney) herreega ofii yookiin waaletii moobaayilaatti jijjiirsisuu.,Receiving eMoney credit in exchange for physical cash - typically done at an agent.,Maamilli gara bakka bu'aa maallaqa moobaayilaa eeyyamamaa deemuun maallaqa callaa kenna; bakka bu'aanis maallaqa sana waaletii moobaayilaa isaaniitti galchaaf.,"A customer visits a licensed mobile money agent, hands over cash, and the agent deposits the amount into their mobile wallet.",1.0
om-020,Cash-Out,Maallaqa Baasuu,om,Use Case,"Herreega elektiroonikii irraa hir’isuun maallaqa callaa (physical cash) bakka bu’aa irraa fudhachuu. Example: Hojjetaan mindaa isaa waaletii moobaayilaa irratti galeef, baasii manaatiif jecha bakka bu'aa biraa maallaqa callaa (cash) baafata.",Receiving physical cash in exchange for a debit to an eMoney account - typically done at an agent.,,A salaried worker receives their income in a mobile wallet and cashes out part of it through an agent to cover household expenses.,1.0
om-021,Closed Loop,Sirna Cufaa,om,Infrastructure,"Sirna faayinaansii dijitaalaa fayyadamtoonni maallaqa dhiyeessaa tajaajilaa sana qofa keessatti sochoosuu (erguu, fudhachuu, kaffaluu) danda’anidha. Maallaqichi gara baankii yookiin tajaajila maallaqa moobaayilitti hin darbu.","A closed loop is a digital financial system where users can only send, receive, or spend money within the same provider’s platform. The money cannot be transferred to other banks or mobile money services.","Hojjetaan mindaa isaa waaletii sirna cufaa keessatti argate kaardii guuttachuu fi kaffaltii tajaajilaa raawwachuu danda'a, garuu maallaqa sana gara herreega baankiitti dabarsuu hin danda'u.","A worker receives their salary in a closed-loop wallet and uses it to buy airtime and pay bills, but cannot move the money to a bank account.",1.0
om-022,Commissions,Komishinii,om,Pricing,"Galii bakka bu’oonni yookiin dhiyeessitoonni tajaajilaa, sochii faayinaansii (akka maallaqa galchuu, baasuu, yookiin galmeessuu hojjetaniif argatanidha.","Commissions are earnings paid to agents, or service providers for for helping users deposit, withdraw, or register for services (for facilitating financial transactions or services)","Bakka bu’aan maallaqa moobaayilaa tajaajila milkaa’inaan raawwate hundaaf (kanneen akka maallaqa galchuu, kaffaltii tajaajilaa, yookiin galmee waaletii) komishinii argata.","A mobile money agent earns a commission for each successful transaction they assist with, such as cash-in, bill payment, or wallet registration.",1.0
om-023,Community-Based Finance,Faayinaansii Hawaasummaa,om,Concept,"Sirna aadaa namoonni walitti dhufuun maallaqa qusatan, liqeessan, yookiin wal deggeranidha. Sirnoonni kun amantaa fi hariiroo hawaasummaa irratti hundaa’u.","Community-based finance refers to traditional systems where people come together to save, lend, or support each other financially. These systems are based on trust and social ties.","Gareen ollaa walitti dhufuun ququbee hundeeffatanii, torban torbaniin maallaqa murtaa'e walitti buusu; miseensi tokko ammoo dabareedhaan maallaqa sassaabame sana fudhata.","A group of neighbors form an Equb where each member contributes a fixed amount weekly, and one member receives the total amount in rotation.",1.0
om-024,Credit,Liqii,om,Product/instrument,Maallaqa dhaabbata faayinaansii idilee yookiin pilaatfoormii dijitaalaa irraa fudhatamu yeroo booda deebisuuf waliigalteedhaan kennamu.,"Credit is money provided to a user by a formal financial institution or digital platform with the agreement that it will be paid back later, usually with interest.","Fayyadamaan maallaqa moobaayilaa tajaajila liqii dijitaalaa eeyyamame irraa liqii (credit) fudhatee, dhala xiqqaa waliin ji'a tokko keessatti deebisuuf waliigala.",A mobile money user receives credit through a licensed digital lending service and agrees to repay the amount over one month with a small interest fee.,1.0
om-025,Credit Card,Kaardii Liqii,om,Product/instrument,"Kaardii kaffaltii maamilli maallaqa baankii irraa liqeeffachuun ittiin kaffaluuf gargaarudha. Maallaqni liqeeffatame sun yeroo murtaa'e keessatti deebi'uu qaba, yoo ta'uu baate dhala qaba.","It is a type of revolving credit, typically issued by a bank, which allows borrowing funds to make purchases or withdraw cash, up to a predetermined limit. The borrowed money should be repaid, plus any applicable interest and fees, later.","Maamilli tokko Kaardii Liqii fayyadamuun bittaa guddaa onlaayinii irratti raawwatee, dhuma ji'aat irratti baankiif maallaqa deebisa.",,1.0
om-026,Credit History,Seenaa Liqii,om,Process,"Galmee amala liqii fudhachuu fi deebisuu fayyadamaati. Dhaabbileen faayinaansii dandeettii fi amanamummaa kaffaltii namaa ittiin madaaluuf gargaaramu. Tajaajila faayinaansii dijitaalawaa keessatti, seenaan kun sochii moobaayilaa, kaffaltiiwwanii fi liqii darban irraas madduu danda’a.","Credit history is a record of a user’s past borrowing and repayment behavior. It helps financial institutions assess how reliable a person is when it comes to repaying loans. In digital financial services, credit history may be built from mobile transactions, bill payments, or previous loans.",Fayyadamaan liqii dijitaalaa xixiqqoo yeroon deebisu Seenaa Liqii gaarii qabaata; kunis gara fuulduraatti liqii guddaa akka argatuuf isa gargaara.,"A user who regularly repays small digital loans on time builds a positive credit history, which may help them qualify for larger loans in the future.",1.0
om-027,Credit Scoring,Madaallii Liqii,om,Process,"Adeemsa dandeettii kaffaltii maamilaa madaaluun qabxii kennuuti. Tajaajila faayinaansii dijitaalawaa keessatti, madaalliin kun daataa sochii moobaayilaa, kaffaltiiwwan tajaajilaa, fi aadaa qusannoo irratti hundaa’uun riiskii /sodaa tilmaama. Example: Dhiyeessaan liqii dijitaalaa sochii maallaqa moobaayilaa (waaletii) fi seenaa bittaa kaardii fayyadamaa ilaaluun, osoo liqii hin eeyyamiin dura Madaallii Liqii shallaga.","Credit scoring is the process of evaluating a user’s ability to repay borrowed money by assigning a score based on their financial behavior. In digital financial services, credit scoring may use mobile transaction data, bill payments, and savings patterns to assess risk.",,A digital credit provider uses mobile money (wallet) activity and airtime purchase history to generate a credit score before approving a loan request.,1.0
om-028,Customer Service,Tajaajila Maamilaa,om,Process,"Tajaajila maamilaa jechuun [u9] Deeggarsa dhaabbileen faayinaansii maamiltootaaf karaa bilbilaa, appilikeeshinii, ergaa gabaabaa ,ykn bakka bu’aa fayyadamuun rakkoo furuu, gaaffii deebisuu, fi tajaajila isaanii ilaalchisee gargaarsa taasisuu[u10] dha.","Customer service refers to the support provided by financial service providers to help users solve problems, ask questions, and get assistance with their accounts or transactions. It can be offered through call centers, mobile apps, USSD menus, or in-person agents.",Fayyadamaan maallaqa moobaayilaa tokko kaffaltii fashalaa'e gabaasuuf lakkoofsa bilisaa bilbiluun Tajaajila Maamilaa irraa gargaarsa argata.,A mobile money user contacts customer service through a toll-free number to report a failed transaction and receives help to resolve the issue.,1.0
om-029,Data Protection,Eegumsa Daataa,om,Policy,"Imaammata fi hojiiwwan odeeffannoo dhuunfaa fi faayinaansii fayyadamtootaa eeguu fi karaa sirrii ta’een qabuu mirkaneessanidha. Kunis daataa hanna, dogoggoraan fayyadamuu, fi qaama sadaffaaf kennuu irraa ittisa. Example Dhiyeessaan maallaqa moobaayilaa eenyummaa fi seenaa sochii maamilaa eeyyama malee qaama sadaffaa irraa eeguuf fi teeknoolojii nageenyaa fayyadama.","Data protection refers to the practices and policies that ensure users’ personal and financial information is kept safe, secure, and used responsibly. In digital financial services, this includes protecting data from unauthorized access, misuse, or leaks.",,A mobile money provider uses encryption and secure servers to protect users’ identity and transaction history from being accessed by third parties without consent.,1.0
om-030,Debit Card,Kaardii Kaffaltii,om,Product / Instrument,Kaardii kaffaltii kallattiin herrega baankii fayyadamichaa wajjin walqabatee fi maallaqa isaan dursee herrega isaanii Irraa qaban fayyadamuun bittaa raawwachuu ykn maallaqa callaa baasuu (tajaajiloota ATM/POS/toora interneetii) kan dandeessisudha.,A debit card is a card that lets you use your own money from your bank account to pay for things or take out cash from an ATM.,"Maamilichi kaardii deebitii argachuuf baankii isaatti iyyata. Erga fudhatee booda, maallaqa callaa harkatti baachuu osoo isa hin barbaachisin, kallattiin maallaqa herrega isaa keessa jiru fayyadamuun bittaa raawwachuu ykn maallaqa callaa baasuu danda'a.",,1.0
om-031,Deposit,Maallaqa Galchuu,om,Use case,"Adeemsa fayyadamaan maallaqa yookiin waaletii isaa irratti karaa maallaqa callaa, dabarsa baankii yookinn bakka bu’aa galchuuti.","A deposit is when a user adds money to their account or mobile money (wallet). Deposits can be made through mobile apps, USSD, or with the help of a mobile money agent.",Fayyadamaan maallaqa callaa bakka bu’aatti kenna; bakka bu’aanis maallaqa sana waaletii moobaayilaa fayyadamaaf olkaa’aaf.,"A user gives cash to a mobile money agent, who then deposits the amount into the user’s mobile wallet for future use.",1.0
om-032,Digital Financial Services (DFS),Tajaajila Faayinaansii Dijitaalawaa (TFD),om,Concept,"Tajaajila faayinaansii (kaffaltii, qusannoo, liqii, inshuuraansii) karaa dijitaalaa (bilbila, interneetii, ATM, fi bakka bu’ootaan) dhiyaatudha. Kaayyoon isaa tajaajila salphaa, nageenya amansiisaa qabuu fi dhaqqabamaa ta’e uumuudha.",,"Fayyadamaan tokko Tajaajila Faayinaansii Dijitaalawaa (TFD)bilbila isaa qofa fayyadamuun maallaqa erga, tajaajila kaffala, liqii xixiqqoos ni fudhata.",,1.0
om-033,Digital Payments,Kaffaltii Dijitaalawaa,om,Use case,"Sochii faayinaansii elektirooniksii bilbila moobaayilaa, appilikeeshinii, USSD, yookiin pilaatfoormii dijitaalaa biroo fayyadamuun maallaqa callaa (cash) malee raawwatamudha.",,"Fayyadamaan tokko kaffaltii ibsaa bakka kaffaltii qaamaan deemuu mannaa, waaletii moobaayilaa fi koodii USSD fayyadamuun raawwata.",,1.0
om-034,Digital Transaction,Daddabarsa Dijitaalaa,om,Use Case,"Jijjiirraa faayinaansii maallaqa callaa qaamaan qabatamuun osoo hin taane, karaa elektirooniksiitiin raawwatamu kamiyyuu yoo ta'u, kaffaltiiwwan karaa bilbila moobaayilaa, kaardii, yookan toora interneetiitiin raawwataman of keessatti hammata. Kunis sochii maallaqaa yookan raawwii faayinaansii maallaqa callaa fayyadamuun osoo hin taane karaa miidiyaalee dijitaalaatiin raawwatamu ibsa.","A digital transaction is any financial exchange that occurs electronically, without physical cash, using devices like computers or smartphones. These include online shopping, sending money between individuals through various digital payment methods; using credit or debit cards, mobile wallets, and direct bank transfers.","Namni tokko qaamaan baankii deemuun maallaqa callaa herrega isaa keessa kaa'a. Booda, gara baankiitti deebi'uun osoo isa hin barbaachisin waaleetii moobaayilaa isaa fayyadamuun miseensa maatii isaatiif maallaqa dabarsa. Gochi inni lammaffaan kun karaa dijitaalaa waan raawwatameef daddabarsa dijitaalaa (digital transaction) jedhama.",,1.0
om-035,Dispute Resolution,Furmaata Rakkoo,om,Process,"Adeemsa rakkoolee yookiin walii-galtee dhabuu sochii faayinaansii wajjin wal qabatan (fkn: kaffaltii fashalaa’e, hir'ina seeraan alaa, yookiin hayyama malee herreega ilaaluu) itti qulqulleessanii fi hiikanidha.",,"Fayyadamaan tokko dabarsa maallaqa moobaayilaa fashalaa'e gabaasuun, dhiyeessaa tajaajilaa irraa deeggarsa qulqulleessuu fi rakkoo furuu (karaa maallaqa deebisuu yookiin sirreessuu) argata.",,1.0
om-036,eCommerce,Daldala Elektiroonii,om,Use Case,"Bittaa fi gurgurtaan oomishaa yookiin tajaajilaa interneetii irratti raawwatamu. Pilatfoormiiwwan akka marsariitii, miidiyaa hawaasummaa, yookiin appilikeeshiniiwwan moobaayilaa fayyadamuun filachuu, ajajuu fi kaffaluu dabalata.","eCommerce refers to the buying and selling of goods or services over the internet. It includes online marketplaces, social media shops, and mobile apps where users can browse, order, and pay digitally.","Abbaan daldalaa xiqqaa tokko oomisha harkaa karaa fuula miidiyaa hawaasummaa gurguree, kaffaltii maallaqa moobaayilaatiin maamiltoota irraa fudhata.",A small business owner sells handmade products through a social media page and receives payments via mobile money from customers.,1.0
om-037,Digital Finance Ecosystem,Sirnakkoo Faayinaansii Dijitaalawaa,om,Concept,"Sirna wal-unata namootaa, dhaabbilee, teeknoolojii, fi seerotaa tajaajila faayinaansii dijitaalaa dhiyeessuuf wal tumsanii hojjetanidha. Kunis dhiyeessitoota maallaqa moobaayilaa, baankota, bakka bu’oota, FinTech, to’attoota, fi fayyadamtoota of keessatti qabata.","An ecosystem refers to the network of individuals, institutions, technologies, and regulations that work together to deliver digital financial services. It includes mobile money providers, banks, agents, fintechs, regulators, and users. A strong ecosystem enables access, innovation, and trust in financial services.","Sirnakkoon faayinaansii dijitaalawaa, pilaatfoormiiwwan maallaqa moobaayilaa, hidhata bakka bu'ootaa, imaammata mootummaa, fi FinTech'oota haaraa hirmaannaa faayinaansii babal'isuuf waliin hojjetan hammata.","A digital financial services ecosystem may include mobile money platforms, agent networks, government policies, and fintech startups working together to expand financial inclusion.",1.0
om-038,eMoney,Maallaqa Elektiroonikii,om,Product/instrument,"Maallaqni elektirooniksii bifa maallaqa dijitaalaa ta’ee kan herrega moobaayilaa yookiin toora intarneetii irratti kuufamudha. Kun maallaqa dhugaa bakka bu’uun kaffaltii raawwachuuf, erguuf yookiin fudhachuuf, fi tajaajila faayinaansii argachuuf gargaara. Maallaqni elektirooniksii dhaabbilee faayinaansii hayyama qabaniin kan kennamu yoo ta’u, gatii maallaqa callaa (cash) wal-gituun wabii qaba.","eMoney (electronic money) is a digital form of money stored in mobile wallets or online accounts. It represents real money and can be used to make payments, send or receive funds, and access financial services. eMoney is issued by licensed financial institutions and backed by equivalent cash value.","Fayyadamaan maallaqa callaa bakka bu’aa biratti erga galchee booda, maallaqa elektirooniksii waaletii isaa irratti argata; sana boodas tajaajilootaf karaa dijitaalaa ta’een ittiin kaffala.","A user receives eMoney in their mobile wallet after depositing cash through a mobile money agent, and uses it to pay for services digitally.",1.0
om-039,Fees,Kaffaltii Tajaajilaa,om,Pricing,"Maallaqa xiqqoo fayyadamaan tajaajila faayinaansii argachuu isaatiif kaffaludha. Tajaajila faayinaansii dijitaalaa keessatti, kaffaltiin kun sochiiwwan akka maallaqa erguu, baasuu, yookiin biilii kaffaluu irratti muramuu danda’a. Yeroo baay'ee ofumaan herreega keessaa hir'ifama.","Fees are small amounts of money charged to users for using financial services. In digital financial services, fees may apply to transactions like sending money, withdrawing cash, or paying bills. These fees are usually deducted automatically from the user’s account or wallet.","Fayyadamaan tokko waaletii moobaayilaa isaa irraa gara nama biraatti maallaqa yeroo ergu, kaffaltiin tajaajilaa xiqqoon herreega isaa irraa hir'ifama.",A user is charged a small fee when transferring money from their mobile wallet to another person’s account.,1.0
om-040,Financial Inclusion,Hammattummaa Faayinaansii,om,Concept,"Dhiyeessii tajaajila faayinaansii dijitaalaa gatii madaalawaan, kan hawaasa tajaajila gahaa hin arganne (unbanked/underbanked) gara sirna dinagdee idileetti fiduufi hirmaachisuuf gargaarudha.","Financial inclusion is the ongoing provision of affordable digital financial services that help integrate the underserved, unbanked or underbanked population into the formal economy.","Namni herreega baankii hin qabne tokko waaletii moobaayilaa fayyadamuun yeroo qusatuu fi kaffaltii raawwatu, qaama sirna faayinaansii idilee ta'a; kunis Hammattummaa Faayinaansii dha.","A person without a bank account uses a mobile money or wallet to save money, receive payments, and pay bills, becoming part of the formal financial system.",1.0
om-041,Financial Literacy,Hubannoo Faayinaansii,om,Concept,"Dandeettii tajaajila faayinaansii sirriitti hubachuu fi fayyadamuu. Kunis qusachuu, liqeeffachuu, baajeta ramaduu, fi murtoo maallaqaa ogummaan fudhachuu dabalata.","Financial literacy is the ability to understand and use financial services effectively. It includes knowing how to save, borrow, budget, and make informed decisions about money. In DFS, it helps users navigate mobile wallets, digital payments, and credit products safely.","Fayyadamaan hubannoo faayinaansii qabu filannoo liqii wal bira qabee ilaaluun, kaffaltii hin barbaachisne jalaa bahuu fi waaletii moobaayilaa isaa of-jajjuun bulchuu danda'a.","A user with financial literacy can compare loan options, avoid unnecessary fees, and manage their mobile wallet confidently.",1.0
om-042,FinTech,Teeknoolojii Faayinaansii (Finteekii),om,Role/Actor,"Dhaabbilee yookiin furtuuwwan teeknoolojii fayyadamuun tajaajila faayinaansii fooyyessuu yookiin dhiyeessudha. Kunis maallaqa moobaayilaa, liqii dijitaalaa, kaffaltii onlaayinii, fi meeshaalee bulchiinsa faayinaansii of keessatti hammata.","FinTech (Financial Technology) refers to companies or solutions that use technology to improve or deliver financial services. This includes mobile money, digital lending, online payments, and financial management tools.","Dhaabbileen Finteekii aplikeeshinii moobaayilaa fayyadamuun namoonni kaffaltii adda addaa akka kaffalan, maallaqa akka dabarsan, fi liqii ariifataa akka argatan gochuun tajaajila baankii hammayyaa'aa dhiyeessu.",A Fintech startup offers a mobile app that helps users track spending and access small loans instantly.,1.0
om-043,Fraud,Waliin dhahuu,om,Risk,"Gocha seeraan alaa kamiyyuu amanamummaa dhabuun, maallaqa yookiin odeeffannoo dhuunfaa fayyadamtootaa hatuuf raawwatamudha. Tajaajila faayinaansii dijitaalaa keessatti, bilbila sobaa, ergaa gabaabaa (SMS) sobaa, yookiin waaletii namaa eeyyama malee seenuu dabalata.","Fraud is any dishonest or illegal activity meant to steal money or personal information from users. In digital financial services, this includes fake calls, SMS scams, or unauthorized access to mobile wallets.","Fayyadamaan tokko ergaa sobaa PIN isaa gaafatu ergameefii, erga odeeffannoo kana qoodeen booda maallaqa isaa warra waliin dhahaniin dhabe.",A user receives a fake message asking for their PIN and loses money after sharing it with a fraudster.,1.0
om-044,Identity,Eenyummaa,om,Process/requirement,"Ragaa yookiin mirkaneessa namni tokko eenyu akka ta’e itti agarsiisudha; fakkeenyaaf, Waraqaa Eenyummaa Biyyaalessaa (Fayda). Tajaajila faayinaansii dijitaalaa keessatti, eenyummaan galmee herreegaatiif, nageenyaaf, akkasumas seera kabachiisuuf murteessaadha.","A credential of some sort that identifies an end user such as Fayda National ID. National identities are issued by national governments. In digital financial services, identity is essential for account registration, security, and compliance.",Fayyadamaan tokko waaletii moobaayilaa banachuufi tajaajila faayinaansii argachuuf lakkoofsa bilbilaa fi eenyummaa isaa (waraqaa eenyummaa) dhiyeessa.,A user provides their national ID and phone number to register for a mobile wallet and access financial services.,1.0
om-045,Insurance,Inshuuraansii,om,Product/Instrument,"Tajaajila faayinaansii kan balaa hin eegamne (dhukkuba, miidhaa, du'a) irraa nama eegudha. Fayyadamtoonni kaffaltii xiqqoo yeroon kaffalu (premium), yoo balaan uumame ammoo deeggarsa maallaqaa (kiisii) argatu.","Insurance is a financial service that protects users against unexpected events like illness, accidents, or loss. Users pay small amounts regularly (called premiums) and receive support when covered risks happen.",Fayyadamaan tokko kaffaltii ji'aa inshuuraansii waaletii moobaayilaatiin kaffala; yoo hospitaala gale immoo beenyaa argata.,A user pays a monthly premium through their mobile wallet and receives compensation when hospitalized.,1.0
om-046,Interoperability,Wal-simannoo/unannoo,om,Policy (Infrastructure),"Dandeettii sirnoonni faayinaansii, pilaatfoormiin, yookiin dhiyeessitoonni tajaajilaa adda addaa walin hojjechuu fi wal-dubbisanii dha. Kunis fayyadamtoonni netiworkiiwwan adda addaa gidduutti danqaa malee maallaqa erguu, fudhachuu, fi tajaajila argachuu akka danda'an taasisa.",,"Fayyadamaan waaletii moobaayilaa dhiyeessaa tokkoo qabu, wal-simannoo sirnaa fayyadamuun, hiriyyaa isaa waaletii dhiyeessaa biraa fayyadamuuf maallaqa erguu danda'a.",,1.0
om-047,Know Your Customer (KYC),Maamila Kee Beeki (KYC),om,Process,"Adeemsa dhaabbileen faayinaansii eenyummaa maamilaa isaanii itti mirkaneeffataniidha. Kunis odeeffannoo bu'uuraa akka maqaa, lakkoofsa waraqaa eenyummaa, fi teessoo sassaabuun hanna, maallaqa seeraan alaa, fi gochoota seeraan alaa biroo ittisuuf gargaara.",,"Fayyadamaan tokko waaletii dijitaalaa isaa hojii jalqabsiisuuf, appilikeeshinii moobaayilaa irratti waraqaa eenyummaa isaa fe'uu fi suuraa ofii ka’uun adeemsa Maamila Kee Beeki (KYC) xumura.",,1.0
om-048,Loans,Liqii,om,Product/Instrument,"Maallaqa dhaabbata faayinaansii yookiin dhiyeessaa irraa fudhatamu kan yeroo murtaa'e booda, yeroo baay'ee dhala waliin, deebi'uu qabudha. Liqiin fayyadamtoonni yeroo maallaqa gahaa harkaa hin qabne baasiiwwan uwwisuuf yookiin carraa invastimantii fayyadamuuf isaan gargaara.","A loan is money borrowed from a financial institution or provider that must be paid back over time, usually with interest. Loans help users cover expenses or invest in opportunities when they don’t have enough money upfront.","Abbaan daldalaa xiqqaa tokko appilikeeshinii liqii dijitaalaa fayyadamuun maallaqa liqeeffatee, kaffaltii maallaqa moobaayilaa isaa fayyadamuun ji'a ji'aan deebisa.",A small business owner borrows money through a digital lending app and repays it in monthly installments using their mobile money.,1.0
om-049,Microfinance,Maayikiroo-faayinaansii / Liqii fi Qusannoo,om,Role/Actor,"Tajaajila faayinaansii akka liqii xixiqqaa, qusannoo, fi inshuuraansii kan namoota galii xiqqaa qabaniif yookiin daldaltoota xixiqqoo tajaajila baankii idilee hin arganneef dhiyaatudha. Kunis fayyadamtoonni galii isaanii akka guddisan fi balaa faayinaansii akka to'atan isaan gargaara.","Microfinance refers to financial services like small loans, savings, and insurance provided to low-income individuals or small businesses who typically lack access to traditional banking. It helps users grow their income and manage financial risks.","Dubartiin baadiyyaa jirtu takka daldala kuduraa jalqabuuf dhaabbata maayikiroo-faayinaansii irraa maallaqa xiqqaa liqeeffattee, torban torbaniin karaa bakka bu'aa maallaqa moobaayilaa deebisti.",A woman in a rural area borrows a small amount from a microfinance institution to start a vegetable business and repays it weekly through a mobile money agent.,1.0
om-050,Microinsurance,Inshuuraansii Xixiqqaa,om,Product/Instrument,"Gosa inshuuraansii gatii madaalawaa qabu, kan namoota galii xiqqaa qabaniif balaa adda addaa (fayyaa, oomisha qonnaa, lubbuu) irraa eegumsa kennuuf dhiyaatudha.","A type of insurance designed to be affordable and accessible for low-income individuals. It usually covers small risks like health emergencies, crop loss, or accidents and is often offered through mobile phones or agents.","Qonnaan bulaan tokko oomisha isaa hongee irraa eeguuf inshuuraansii xixiqqaa bitatee, kaffaltii isaa bilbila moobaayilaatiin raawwata.",,1.0
om-051,Mobile Banking,Tajaajila Baankii Moobaayilaa,om,Channel,"Tajaajila maamilli herreega baankii isaa bilbila moobaayilaatiin akka too'atu dandeessisudha. Kunis haftee ilaaluu, maallaqa dabarsuu, biilii kaffaluu, fi tajaajila faayinaansii biroo damee baankii deemuu osoo hin barbaachisin argachuu dabalata.","Mobile banking is a service that allows users to access and manage their bank accounts using a mobile phone. It includes checking balances, transferring money, paying bills, and applying for financial products without visiting a bank branch.","Fayyadamaan tokko Tajaajila Baankii Moobaayilaa fayyadamuun haftee herreega isaa ilaalee, maallaqa hiriyyaa isaatiif erga.",A user checks their account balance and transfers money to a friend using their bank’s mobile app.,1.0
om-052,Mobile Money,Maallaqa Moobaayilaa,om,Channel,"Tajaajila fayyadamtoonni bilbila moobaayilaa isaanii fayyadamuun maallaqa kuufachuu, erguu, fi fudhachuu itti danda'anidha. Tajaajilli kun herreega baankii aadaa qabaachuu hin barbaadu; yeroo baay'ee karaa bakka bu'oota moobaayilaa yookiin appilikeeshiniitiin kennama.","Mobile money is a service that allows users to store, send, and receive money using their mobile phones. It does not require a bank account and is often used through mobile agents or apps. 
But one needs to have a SIM card or a phone number.",Fayyadamaan herreega baankii hin qabne tokko mindaa ji'aa isaa kallattiin waaletii maallaqa moobaayilaa isaatti fudhata; koodii USSD fayyadamuunis ibsaa kaffala.,A user without a bank account receives their monthly salary directly into their mobile money wallet and pays for electricity using a USSD code.,1.0
om-053,Mobile Network Operator (MNO),Dhiyeessaa Tajaajila Neetworkii Moobaayilaa,om,Role/Actor,"Dhaabbata tajaajila qunnamtii (sagalee, ergaa gabaabaa, fi daataa) dhiyeessudha. Dhiyeessitoonni Neetworkii Moobaayilaa (fkn: Itiyoo Telekoom) bu'uuraalee neetworkii fi karaa maamiltootaa dhiyeessuun, tajaajila faayinaansii moobaayilaa (akka maallaqa moobaayilaa) ni dandeessisu.",,"""Fayyadamaan koodii USSD dhiyeessaa tajaajila neetworkii moobaayilaa (fkn: Itiyoo Telekoom) fayyadamuun tajaajila maallaqa moobaayilaatiif galmaa'a.""",,1.0
om-054,National Switch,Qunnamsiisaa Biyyaalessaa,om,Infrastructure,"Sirna giddu-galeessaa dhaabbilee faayinaansii fi dhiyeessitoota tajaajila kaffaltii adda addaa wal-qunnamsiisuudha. Sirni kun sochii maallaqaa nageenyaan akka wal-jijjiiramu taasisuun, wal-simannoo (interoperability) baankota, dhiyeessitoota maallaqa moobaayilaa, fi pilaatfoormiiwwan biroo gidduu jiru mirkaneessa.","A National Switch is a centralized system that connects different financial institutions and payment service providers, allowing them to exchange transactions securely and efficiently. It enables interoperability across banks, mobile money providers, and other financial platforms.","""Fayyadamaan tokko herreega baankii isaa irraa gara waaletii moobaayilaa dhiyeessaa biraatti maallaqa dabarsa; kanaafis qunnamsiisaa biyyaalessaa (EthSwitch) fayyadama.","A user transfers money from their bank account to a mobile wallet from a different provider using the national switch (EthSwitch), without needing both services to be from the same company.",1.0
om-055,Near Field Communication (NFC),Qunnamtii Dhiyoo (NFC),om,Technology,"Teeknoolojii qunnamtii raadiyoo gabaabaa kan meeshaaleen lama (akka bilbilaa fi maashinii POS) yeroo walitti dhiyaatan odeeffannoo akka wal-jijjiiran taasisudha. Tajaajila faayinaansii keessatti, NFCn kaffaltii ""tutuqqii malee"" (contactless) bilbila yookiin kaardii maashinii kaffaltii bira qabuun raawwachuuf gargaara.",,"Fayyadamaan tokko suuqii keessatti bilbila isaa maashinii POS irratti itti-qabuun (tapping), PIN galchuu osoo hin barbaachisin meeshaa bitata. Teeknoolojiin kun kaffaltiin sekondii muraasa keessatti akka raawwatu gargaara.",,1.0
om-056,Off Us Payments,Kaffaltiiwwan Qaxxaamuraa,om,Use case,Kaffaltiiwwan dhiyeessaa kaffalaa (payer) fi dhiyeessaa fudhataa (payee) adda addaa ta'an gidduutti raawwatamanidha. Kaffaltiin kun dhiyeessaa giddu-galeessaa (switch/intermediary) barbaada; kanaafuu baasii dabalataa qabaachuu danda'a.,"Payments made in a multiple-participant system or scheme, where the payer's provider is a different entity as the payee's provider. These transactions often involve intermediaries and may incur additional fees.","Fayyadamaan waaletii Dhiyeessaa A qabu, daldalaa dhiyeessaa B fayyadamu qabuuf yoo kaffalu, kaffaltiin kun ""Kaffaltii Qaxxaamuraa"" jedhama",A user with a mobile wallet from Provider A pays for goods at a merchant who uses Provider B’s payment terminal. The transaction is completed through a shared payment switch.,1.0
om-057,Offline Access,Tajaajila Interneetii Malee,om,Channel,"Dandeettii tajaajila faayinaansii dijitaalaa fayyadamuu yeroo interneetiin hin jirre. Kunis yeroo baay'ee koodii USSD, ergaa SMS, yookiin gargaarsa bakka bu’aatiin kan raawwatamu yoo ta'u, naannoo tamsaasa interneetii gadi aanaa qabutti tajaajila waliin gahuuf gargaara.","Offline access refers to the ability to use digital financial services without needing an internet connection. This is often done through USSD codes, SMS, or agent-assisted transactions, making services more inclusive for users in areas with limited connectivity.",Fayyadamaan tokko haftee waaletii isaa ilaaluuf fi maallaqa erguuf koodii USSD bilbila salphaa irratti fayyadamuun tajaajila interneetii malee argata.,A user checks their mobile wallet balance and sends money using a USSD code on a basic phone without internet access.,1.0
om-058,On Us Payments,Kaffaltiiwwan Keessoo,om,Use case,"Kaffaltii sirna yookiin dhaabbata tokko keessatti raawwatamu, kan dhiyeessaan kaffalaa fi fudhataa tokko ta'an. Sochiin kun alaa osoo hin bahin keessumaan raawwatama, kanaaf saffisaa fi yeroo baay'ee rakasa.","Payments made in a multiple-participant system or scheme, where the payer's provider is the same entity as the payee's provider. These transactions are processed internally without involving external networks, making them faster and often cheaper.","Fayyadamaan Telebirr fayyadamaa Telebirr biraatiif yeroo maallaqa ergu, kun kaffaltii keessoo (on-us) dha. Kaffaltiin keessoo battalumatti raawwatama, baasiin isaas xiqqaa dha.",A user transfers money from their mobile wallet to another user who also uses the same mobile money provider. The transaction is completed instantly without routing through a national switch or third-party system.,1.0
om-059,Open Loop,Sirna Banaa,om,Infrastructure,"Sirna faayinaansii dijitaalaa kan fayyadamtoonni maallaqa pilaatfoormiiwwan fi dhiyeessitoota adda addaa gidduutti sochoosuu (erguu, fudhachuu, kaffaluu) danda'anidha. Kunis wal-simannoo guutuu kan dandeessisu yoo ta'u, maallaqni baankii tokko irraa gara kaanii yookiin waaletii irraa gara baankiitti akka darbu eeyyama.","An open loop is a digital financial system where users can send, receive, or spend money across different platforms and providers. It allows money to move between banks, mobile wallets, and other financial services.","Daldalaan tokko kaffaltii maamiltoota waaletii adda addaa (Telebirr, CBE Birr, M-Pesa) fayyadaman irraa karaa sirna tokkoon fudhata; kun sirna banaa dha. Sirni banaa maallaqa kee bakka barbaaddeutti akka sochoostu si dandeessisa.",A merchant accepts payments from customers using different mobile money providers through an interoperable payment system.,1.0
om-060,OTP (One-Time Password),Lakkoofsa Iccitii Altokkee,om,Process,"Koodii yeroo gabaabaaf tajaajilu kan eenyummaa fayyadamaa mirkaneessuuf yeroo sochii maallaqaa yookiin seensisaa (login) gara bilbila fayyadamaatti ergamu. Yeroo tokko qofaaf kan hojjetu yoo ta'u, hanna irraa eeguuf gargaara.",,Fayyadamaan tokko dabarsa maallaqaa mirkaneessuuf iccitii yeroo tokkoo (OTP) lakkoofsa 6 qabu ergaa gabaabaan argata.,,1.0
om-061,Over The Counter Services,Tajaajila Bakka Bu'aa Biratti Kennamu,om,Channel,"Tajaajila bakka bu'aan raawwatu hirmaataan tokko (kan ergu yookiin fudhatu) herreega waaletii hin qabne. Fakkeenyaaf, namni maallaqa callaa kennee, bakka bu'aan sun maallaqa elektirooniksii herreega ofii irraa nama biraatiif erga.","It refers to transactions, products, or financial trades that occur directly between two parties, such as in a store, rather than third parties.","Fayyadamaan tokko bilbila osoo hin fayyadamin, maallaqa callaa fi lakkoofsa bilbilaa fudhataa kennuun bakka bu'aa biratti maallaqa erga.",A user visits a bank branch office in-person and deposits money at his account. This type of service is an Over The Counter Service.,1.0
om-062,Payee,Fudhataa,om,Role/Actor,"Nama dhuunfaa yookiin dhaabbata sochii faayinaansii keessatti maallaqa fudhatu. Tajaajila dijitaalaa keessatti, fudhataan daldalaa, dhiyeessaa tajaajilaa, yookiin nama maallaqni ergameef ta'uu danda'a.","A payee is the person or organization who receives money in a financial transaction. In digital financial services, the payee can be a merchant, service provider, or individual receiving funds through mobile money, bank transfer, or other channels.",Fayyadamaan kaffaltii kiraa manaa waaletii moobaayilaan abbaa manaatiif erga. Sochii kana keessatti abbaan manaa fudhataa dha. Maallaqa erguu dura maqaa fudhataa mirkaneessi.,A user sends rental money to their landlord using a mobile wallet. The landlord is the payee in this transaction.,1.0
om-063,Payer,Kaffalaa,om,Role/Actor,"Nama dhuunfaa yookiin dhaabbata sochii faayinaansii keessatti maallaqa ergu yookiin kaffalu. Tajaajila dijitaalaa keessatti, kaffalaan waaletii moobaayilaa, appilikeeshinii baankii, yookiin koodii USSD fayyadamuun kaffaltii jalqaba.","A payer is the person or organization who sends money in a financial transaction. In digital financial services, the payer initiates the payment using tools like mobile wallets, bank apps, or USSD codes.",Fayyadamaan kaffaltii ibsaa waaletii isaatiin raawwata. Sochii kana keessatti fayyadamaan kaffalaa dha. Kaffalaan herreega gahaa qabaachuu qaba.,A user pays their electricity bill using their mobile wallet. The user is the payer in this transaction.,1.0
om-064,Paying Bills,Biiliiwwan Kaffaluu,om,Use case,"Dirqama faayinaansii idilee kanneen akka ibsaa, bishaan, bilbila, yookiin kaffaltii mana barumsaa kaffaluudha. Karaa dijitaalaa (waaletii, appilikeeshinii, USSD) fayyadamuun bakka tajaajilaa osoo hin deemin raawwatama.","Paying bills refers to settling regular financial obligations such as electricity, water, phone, or school fees. In digital financial services, users can pay bills electronically using mobile wallets, banking apps, or USSD codes.",Fayyadamaan kaffaltii ibsaa ji'aa waajjira ibsaa osoo hin deemin koodii USSD fayyadamuun kaffala. Biiliiwwan kaffaluun amma salphaa ta'eera.,A user pays their monthly electricity bill using a USSD code from their mobile money wallet without visiting the utility office.,1.0
om-065,Payment Gateway,Ce’umsa Kaffaltii,om,Technology,Mala teeknoolojii daldaltoonni kaffaltii onlaayinii (kaardii yookiin maallaqa moobaayilaa) akka fudhatan gargaarudha. Odeeffannoo kaffaltii maamila irraa gara baankiitti nageenyaan dabarsa; kaffaltiin mirkanaa'uu isaas daldalaa beeksisa.,"A payment gateway is a tool that helps businesses accept payments online through cards, or mobile money. It safely sends payment information from the customer to the bank and tells the business if the payment was approved.","Yeroo mi'a onlaayiniin bittan, odeeffannoo kaardii keessanii kan mirkaneessu mala yookan ce’umsa kaffaltii ti."" Ce’umsi kaffaltii odeeffannoo keessan ni eega.","When you buy something online and enter your card details, the payment gateway checks if your card works and helps complete the payment.",1.0
om-066,Payment Instrument Issuer,Dhiheessaa Mala Kaffaltii,om,Roles/Players,"Dhaabbata meeshaalee kaffaltii (kaardii, maallaqa elektirooniksii, kkf) maamilaaf dhiheessuun kaffaltiin nageenyaan akka raawwatamu mirkaneessudha.",,"Dhaabbanni FinTech tokko kaardii kaffaltii yoo dhiheesse, yeroo bittaan raawwatamu herreega gahaa jiraachuu isaa mirkaneessa.""",,1.0
om-067,Payment System,Sirna Kaffaltii,om,Concepts,"Mala namoonni, daldaltoonni, fi baankonni maallaqa nageenyaan fi saffisaan itti wal-jijjiiranidha. Kunis meeshaalee, seerota, fi tajaajiloota dabarsa maallaqaa dandeessisan hunda of keessatti qabata.","A payment system is a way for people, businesses, and banks to send and receive money safely and quickly. It includes the tools, rules, and services that make money transfers possible.",,,1.0
om-068,Payment System Operator,Raawwachiisaa Sirna Kaffaltii,om,Roles/Players,"Dhaabbata bu’uura mijeessuun daddabarsa maallaqaa namoota dhuunfaa, daldaltoota, fi baankota gidduutti karaa dijitaalaa ykn elektirooniksiin raawwatamu kan bulchu, qindeessu, fi hojjechiisudha. Fakkenyaaf Dhaabbileen kun sarara fi bu'uura teeknoolojii kaffaltii diriirsuun, baankonni fi daldaltoonni walitti hidhamanii kaffaltii kaardii yookan kaffaltii dijitaalaa biroo karaa salphaa fi amansiisaa ta'een akka walii daddabarsan taasisu. Dhaabbanni kamiyyuu hayyama Baankii Biyyaalessaa osoo hin argatin akka raawwachiisaa sirna kaffaltiitti hojjechuun dhowwadha.","A payment system operator is an organization that manages and runs the system used to move money between people, businesses, and banks",,"EthSwitch, PSS, Arifpay, Chapa, Santimpay",1.0
om-069,Peer to Peer Lending,Liqii Namaa-namattii,om,Use case,"Yeroo namoonni baankii gidduu osoo hin galchin kallattiin walii liqeessanidha. pilaatfoormiin dijitaalaa liqeessaa fi liqeeffataa wal qunnamsiisuun adeemsa liqii (hamma, yeroo kaffaltii, fi dhala) bulchuuf gargaara.","Peer-to-peer lending is when people lend money directly to other people without using a bank. A digital platform connects the lender and the borrower, and helps manage the loan process.","Abbaan suuqii tokko baankii osoo hin deemin, pilaatfoormii dijitaalaa fayyadamuun nama biraa irraa maallaqa liqeeffata.","A small shop owner needs money to buy stock. Instead of going to a bank, they borrow from another person through a digital platform. The platform helps both sides agree on the amount, repayment time, and interest.",1.0
om-070,Platform,Waltajjii/Pilaatfoormii,om,Concept,"Iddoo yookiin sirna dijitaalaa namoonni tajaajila faayinaansii kan akka maallaqa erguu, liqeeffachuu, qusachuu, fi kaffaltii raawwachuuf itti fayyadamanidha. Fayyadamtootaa fi dhiyeessitoota tajaajilaa intarneetii ykn neetworkii moobaayilaatiin wal qunnamsiisa.","A platform is a digital space or system that allows people to use financial services like sending money, borrowing, saving, or making payments. It connects users and service providers through the internet or mobile networks.","Namni baadiyyaa jiru bilbila isaa fayyadamuun waltajjii dijitaalaa irratti haftee maallaqa isaa ilaallachuu, erguu, yookiin liqii gaafachuu danda'a. Waltajjiin kun osoo baankii dhaquu hin barbaachisin tajaajila faayinaansii waliin isaan wal qunnamsiisa.","A person in a rural area uses their mobile phone to access a digital space where they can send money, check their balance, or apply for a loan. That digital space is called a platform — it connects them to financial services without needing to visit a bank.",1.0
om-071,Point of Sale Device (POS),Maashinii Kaffaltii (POS),om,Technology/Channel,Maashinii daldaltoonni kaffaltii maamila irraa fudhachuuf itti fayyadamanidha. Maashiniin kun odeeffannoo kaardii yookiin kaffaltii moobaayilaa dubbisuun daddabarsa maallaqaa raawwachuuf gargaara.,A Point of Sale (POS) device is a machine used by merchants to accept payments from customers. It reads cards or mobile payment information and helps complete the transaction.,Suuqiin magaalaa xiqqoo keessaa tokko maashinii kaffaltii (POS) fayyadamuun namoota kaardii ykn moobaayilaan kaffaluu barbaadan irraa kaffaltii fudhata. Meeshaan kun abbaan suuqichaa maallaqa yeruma sana akka argatu gargaara.,A small shop in a town uses a machine to accept payments from customers who want to pay using a card or mobile wallet. The device helps the shopkeeper receive the money instantly and safely.,1.0
om-072,Prepaid Card,Kaardii Kaffaltii Dursaa,om,Product/Instrument,"Kaardii kaffaltiin isaa dursamee raawwatame fi maallaqni irra jiru qofti itti fayyadamuuf gargaarudha. herreega baankii wajjin wal hin qabatu, akkasumas liqii hin barbaadu.",A prepaid card is a payment card that has money loaded onto it in advance. The user can spend only the amount that is already on the card. It is not linked to a bank account and does not require borrowing.,"Namni herreega baankii hin qabne tokko bakka bu'aa bira deemee kaardii kaffaltii duraa irratti maallaqa guuttata. Sana booda, suuqii irraa mi'a bitachuuf kaardichatti fayyadama. Kunis osoo herreega baankii hin banatin kaffaltii dijitaalaa akka raawwatu isa gargaara.""",A person without a bank account loads money onto a card at a nearby agent. They then use the card to pay for goods at a shop or receive payments for services. The card helps them access digital payments without needing a mobile phone or bank account.,1.0
om-073,Pull Payments,Kaffaltii Harkifamu,om,Use case,"Gosa kaffaltii qaamni maallaqa fudhatu (fakkeenyaaf daldalaan) adeemsa kaffaltichaa jalqabsiisuun, tajaajila kaffaltii isaa fayyadamuun herreega kaffalaa irraa maallaqa itti ""harkisu"" ykn hir'isuudha.","A payment type which is initiated by the payee: typically a merchant or payment acceptor, whose provider «pulls» the funds out of the payer's account at the payer's provider",Kaffaltiin boba'aa Telebirr irratti raawwatamu (yeroo hojjetaan buufataa maallaqa herreega keessaa harkisu ykn gaafatu) fakkeenya kaffaltii harkifamuuti.,Fuel payment via Telebirr,1.0
om-074,Push Payments,Kaffaltii Ergamuu,om,Use case,"Gosa kaffaltii qaamni maallaqa kaffalu (maamilichi) ofii isaatii ajajuun maallaqa herreega isaa irraa gara herreega nama biraatti itti ""dhiibu"" ykn ergu jechuudha.","A payment type which is initiated by the payer, who instructs their provider to debit their account and «push» the funds to the receiving payee at the payee's provider",Koodii QR iskaan gochuun maallaqa erguun kaffaltii ergamudha.,QR payment via Telebirr,1.0
om-075,Quick Response (QR) Code,Koodii QR / Koodii Deebii Saffisaa,om,Technology,"Mallattoo dijitaalaa bilbilaan dubbifamuun kaffaltii raawwachuuf, maallaqa fudhachuuf, ykn tajaajila argachuuf gargaarudha. Fayyadamtoonni tajaajila faayinaansii salphaatti akka argatan gargaara.","A QR code is a type of digital barcode that stores information. People can scan it using a phone to make payments, receive money, or access services. It helps connect users to financial services quickly and easily.",Abbaan daldalaa xiqqaan tokko koodii QR maxxanfame suuqii isaa keessa kaa'e. Maamiltoonni koodii sana bilbilaan 'scan' gochuun maallaqa qabduu osoo hin fayyadamin kaffalu.,A small business displays a printed QR code at their shop. Customers scan the code with their phones to pay without using cash. The payment goes directly to the shop owner's account.,1.0
om-076,Recurrent Payment,Kaffaltii Dhaabbataa,om,Process,"Kaffaltii yeroo murtaa'e keessatti (fakkeenyaaf torbaniin ykn ji'aan) ofumaan irra deddeebi'amee kaffalamudha. Fayyadamaan al tokko hayyama kenna, sirnichis yeroo isa eeggatee kaffaltii ni raawwata.","A recurrent payment is a payment that happens automatically at regular times — like weekly, monthly, or yearly. The user gives permission once, and the system keeps making the payment on schedule.","Namni tokko tajaajila tokkoof ji'a ji'aan kaffaluuf walii gale. Yeroo hundaa maallaqa erguu mannaa, sirnichi ofumaan ji'a ji'aan herreega isaa irraa kaffaltii dhaabbataa kutata.""","A person subscribes to a service and agrees to pay every month. Instead of sending the money each time, the system takes the payment from their account automatically every month. This is a recurrent payment.",1.0
om-077,Registration,Galmee,om,Process,"Adeemsa tajaajila faayinaansii argachuuf maqaa, lakkoofsa bilbilaa, fi waraqaa eenyummaa kennuun herreega banachuudha.","Registration is the process of of opening a provider account, signing up to use a financial service. It usually involves giving your name, phone number, or ID to create an account or profile.",Maamilni haaraan bakka bu'aa bira deemee waraqaa eenyummaa fi lakkoofsa bilbilaa kenne. Bakka bu'aan odeeffannoo isaa sirna keessa galchuun herreega haaraa baneef. Adeemsi kun galmee jedhama.,,1.0
om-078,Short Message Service (SMS),Ergaa Gabaabaa (SMS),om,Technology,"Tajaajila bilbilaa barreeffama gabaabaa walii erguuf gargaarudha. Baallansii beekuuf, akeekkachiisa daddabarsa maallaqaa, ykn mirkaneessa kaffaltii argachuuf fayyada.","SMS is a way to send short text messages between mobile phones. It is often used to share information like account balances, transaction alerts, or payment confirmations.","Namni tokko erga maallaqa ergee booda, ergaan gabaabaan (SMS) bilbila isaa irratti ergameef. Ergaan kunis kaffaltichi raawwachuu isaa mirkaneessee hafii herreegaa isaa ibse.",A person receives a text message on their phone after sending money. The message confirms the transaction and shows the new balance. This SMS helps them stay informed even without internet access.,1.0
om-079,Super Agent,Bakka Bu'aa Olaanaa,om,Role/Actor,"Dhaabbata yookiin nama bakka bu'oota xixiqqoo biroo to'atu, maallaqa dhiyeessuufii, fi leenjii kennuudha. Isaanis tajaajilli akka adda hin cinneef bakka bu'oota gargaaru.","A super agent is a person or business that manages and supports many smaller agents who provide financial services. They help with training, cash supply, and making sure services run smoothly.",Magaalaa keessatti dhaabbanni tokko akka bakka bu'aa olaanaatti tajaajila. Bakka bu'oota naannoo sana jiraniif maallaqa callaa (cash) fi meeshaalee dijitaalaa dhiyeessa.,"In a regional town, a business acts as a super agent by supplying cash and digital tools to nearby agents. These agents help people send money, pay bills, or top up accounts. The super agent makes sure the agents have what they need to serve their communities.",1.0
om-080,Transaction Limits,Daangaa Daddabarsa Maallaqaa,om,Use case,"Hamma maallaqaa olaanaa guyyaatti, torbanitti, ykn ji'atti erguun, baasuun, ykn kaffaluun danda'amu jechuudha. Daangaan kun kan kaa'amuuf balaa hir'isuu fi seera eeguufi.","The maximum amount of money a user can send, receive, or withdraw in a single transaction or within a set time period (daily, weekly, monthly). These limits are set by financial service providers to manage risk and comply with regulations.","Fayyadamaan tokko Birrii 10,000 hiriyyaa isaatiif erguuf yaaluus, daangaan guyyaa Birrii 5,000 waan ta'eef appilikeeshinichi ni dida.",,1.0
om-081,Unbanked,Baank-maleeyyii,om,Concept,Namoota herreega baankii hin qabnee fi sirna faayinaansii idilee hin fayyadamne jechuudha. Isaanis maallaqa qusachuu fi kaffaluuf mala aadaa ykn maallaqa callaa irratti hirkatu.,"Unbanked people are those who do not have a bank account. They usually rely on cash or informal ways to save, borrow, or make payments.",Dubartiin baadiyyaa keessa jiraattu tokko maallaqa ishee mana keessa kaa'atti; mi'a bitachuufis maallaqa callaa (cash) fayyadamti. Isheen herreega baankii waan hin qabneef baank-maleeyyiidha.,A woman in a rural village keeps her money at home and uses cash to buy goods. She has never opened a bank account and does not use formal financial services. She is considered unbanked.,1.0
om-082,Underbanked,Fayyadamaa Tajaajila Murtaawaa,om,Concept,"Namoota herrega baankii qaban, garuu tajaajilicha sirriitti osoo hin fayyadamin, irra caalaa maallaqa callaa (cash) fi mala aadaatti fayyadaman. Isaan tajaajila baankii guutuu ta'e hin argatan yookiin hin fayyadaman. Namichi magaalaa xiqqoo keessa jiraatu herrega baankii qabaatus, darbee darbee qofa fayyadama; irra caalaa maallaqa harkatti qabata. Kanaafuu inni fayyadamaa tajaajila murtaawaati.","Underbanked people have some access to formal financial services, like a bank account, but they still rely mostly on cash or informal methods for saving, borrowing, or making payments. They may not use their account often or lack access to other financial tools.",,A man in a small town has a bank account but rarely uses it. He mostly keeps money in cash and borrows from friends or local savings groups. He is underbanked because he doesn’t fully use formal financial services.,1.0
om-083,Underserved,Dagatamoo,om,Concept,"Hawaasa sababa fagoo jiraachuu ykn galii gadi aanaa qabaachuutiif, tajaajilli faayinaansii idilee sirriitti bira hin geenye. Afaan Oromoo Hawaasni naannoo baadiyyaa keessa jiraatu baankii ykn bakka bu'aa dhiyeenya waan hin qabneef, tajaajila argachuu hin danda'an. Isaan Dagatamoo dha.","Underserved people are those who have limited access to formal financial services. They may live in remote areas, lack information, or face challenges like low income, low literacy, or lack of trust in financial systems.",,A community in a rural area has no nearby bank or agent. Most people use cash and informal savings methods. They are underserved because they don’t have easy access to safe and reliable financial services.,1.0
om-084,Utility Payment,Kaffaltii Tajaajila Bu'uuraa,om,Use case,"Kaffaltii tajaajiloota jireenyaaf barbaachisoo ta'an kan akka bishaan, ibsaa, fi bilbilaaf kaffalamudha. Kaffaltiin kun maallaqa callaan, baankiidhaan, ykn karaa dijitaalaatiin raawwatamuu danda'a.","Utility payment is the process of paying for basic services like electricity, water, or phone service. These payments can be made in cash, through banks, or using digital financial services.",Maatiin sun bilbila isaanii fayyadamuun kaffaltii tajaajila bu'uuraa (kan akka ibsaa fi bishaan) ji'aa raawwatan.,A household pays its monthly electricity bill using a mobile phone or by visiting a nearby agent. This is a utility payment — it helps keep essential services running.,1.0
om-085,Voucher,Koodii Guuttannoo,om,Product/Instrument,Kaardii ykn koodii gatii maallaqaa qabu fi herreega dijitaalaa guutuuf ykn mi'a bitachuuf gargaarudha. Koodii Guuttannoo yeroo baay'ee bakka herregni baankii hin jirretti ni tajaajila.,,Afaan Oromoo Namni tokko suuqii irraa kaardii haquu (scratch card) bitate. Koodii kaardichaa bilbila isaa irratti galchuun herreega moobaayila isaa guuttate. Koodiin sun Koodii Guuttannoodha.,,1.0
om-086,Wallet (E-Wallet),Boorsaa Dijitaalaa (Waaletii),om,Product/Instrument,"Fala dijitaalaa maallaqa elektirooniksiin itti kuufamudha. Fayyadamtoonni maallaqa erguuf, fudhachuuf, qusachuuf, yookiin mi'a bitachuuf itti fayyadamu.",,Namni magaalaa xiqqoo keessa jiraatu bilbila isaa fayyadamuun boorsaa dijitaalaa keessa maallaqa kaa'ata. Maallaqa callaa qabachuu osoo hin barbaachisin suuqii irraa mi'a bitachuu danda'a.,,1.0