The UMVA client system is an eBanking system special developed for the unbanked. The system is an electronic system and the bank account is represented by an electronic safe.

The UMVA electronic safe is the place for e-money, for other values such as the administration of the cooperative and their farmers by kilograms of Rice, for a large community such as a workers union, or a women’s association, but also for all electronic documents.

Members will have the possibility to view multiple bank accounts on line at one screen, a standard membership will have a set of safes, like current, saving, loan, shares, transaction in processing. The accounts will have multi value, transferring value between the accounts inside of 1 organization is possible, in some countries the UMVA PLATFORM will be installed to support local transfers between financial institutes.