Ycash

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Cash and in-kind transfers provided by the humanitarian actors it can be conditional or unconditional . The service has been developed in the company to allow the beneficiary to receive money in cash from a service point or a field or delivery team / door to door without the need for a bank account. This service is specially designed for beneficiaries of humanitarian assistances , with special specifications and high and advanced information technology. A full team of employees has been trained and qualified to provide the service in the fastest time and with the least effort and the most accurate organization, efficiency and effectiveness to perform the work assigned to them and with high supervision.

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The international transfers service enables all our clients and non clients to send and receive cash from inside Yemen and vice-versa through our agents and points of services inside and outside Yemen. This service is of various features such as transferring from e-accounts – send and receive cash through YCASH branches - send and receive cash through YCASH agents outside Yemen and send and receive through MoneyGram and Western UNION. There are service agents nationally in the district level and sub district level (inside Yemen) as well as agents and points of services internationally (outside Yemen). There are service agents at the national level at the region and sub-region levels (inside Yemen), in addition to international agents and death points (outside Yemen). YCASH has developed a product (migrants remittances - international remittances) that serves the Yemeni migrants wherever he is so that he can deliver his remittance at home to the destination to be sent to (the migrant family) without the need for them to leave the house, by delivering it home (door to door) through a trained team to deliver remittances. YCASH uses diffrent international channels to process the international remittances relying on its international financial partners. YCASH is the corridore in Yemen for URemit international, and an agent of westrenunion, MoneyGram, XpressMoney, Yeahmoney and .

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The local transfers service enables all our clients and non clients to send and receive their cash nationally from our agents everywhere in Yemen. This service is of various features such as transferring from e-accounts - send and receive cash through YCASH branches - send and receive cash through YCASH agents.

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Electronic money is a service that can be processed in a mobile phone, Through this service, the customer can easily perform his financial transactions (cash transfer), pay bills, purchase, etc. without a bank account. Other features include using this service inside and outside Yemen through the customer's mobile phone, and it should be connected to a phone number that is considered an electronic account number. Various agents and points of services everywhere in Yemen, even the districts and village level

Payment Methods

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Fixed Payment

Fixed offices exe (YCASH branches – financial agents branches – partner banks branches) to deliver the beneficiary transfers through a trained staff with the latest payment management processes and payment accounting systems.

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Mobile Team

Mobile teams carryout payments in community centers (schools – heath facilities –mosques ) these centers located at the beneficiaries’ communities to reduce the cost , increase services access to the vulnerable people, mitigate security risks exposure, where YCASH recruiting local teams , train them on quality standards (Humanitarian standards) , providing them with mobile devices, m-TEAM smartphone application, and educate them on financial inclusion.

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Door to Door

Mobile teams carryout payment to beneficiaries to reduce the cost , increase services access to the vulnerable beneficiaries , mitigate security risks exposure, mitigate COVID 19 infection , this methodology was developed to responding to COVID 19 protection where YCASH recruiting local teams , train them on Humanitarian standards , providing them with mobile devices application, educating them about prevention precautions, providing them with the required kits.

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E-Money

Electronic money is a service that can be processed in a mobile phone, Through this service, the customer can easily perform his financial transactions (cash transfer), pay bills, purchase, etc. without a bank account.Other features include using this service inside and outside Yemen through the customer's mobile phone, and it should be connected to a phone number that is considered an electronic account number. Various agents and points of services everywhere in Yemen, even the districts and village level

Outreach Methods

m-TEAM is a method developed to enable access to hard-to-reach communities to deliver humanitarian

assistances whenever neither implementers nor the financial service providers can access these

communities. Our mobile team members come from within the same communities and supported with digital

solutions to make payments happen in both gathering points (temporary community centers or door to

door). Door to Door was developed by Humanitarian Transfers and deployed it at the emergence of

COVID-19.

In line with our Mission, our TOB, our Goals, …etc, YCASH is committed to partnering with humanitarian

and development agencies, and financial service providers to deliver services to clients, so working

with networks including banks network, exchangers houses network, E-wallets service providers and

businesses houses enable clients to access the different services of different providers from one

channel, in the meant me service providers sell their products efficiently.

Mobile Teams

Mobile team is one of the channels YCASH sues to provide services to the communities, these well trained and equipped teams can provide YCASH services using different methodologies

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Community Temporary Center

They are temporary cash transfer disbursement/distribution sites – usually public sites like schools, health facilities, mosques etc., which are established in the target communities. The aim of this methodology is that beneficiaries do not bear any transportation costs. This methodology is used for the delivery of humanitarian transfers and any other bulk transfers

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Home Delivery

It is payment method and a distribution channel usually opted by customers for any transfers and remittances services. Via this method YCASH’s mobile teams deliver the services to beneficiaries at their homes.

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Door to Door (D2D)

It is a payment method and a distribution channel developed by YCASH and deployed it to function for the delivery of remittances and distributing the humanitarian aids to beneficiaries. D2D is used by YCASH mobile teams who move to beneficiaries' houses (D2D).

Network of Networks

In line with our Mission, our TOB, our Goals, …etc, YCASH is committed to partnering with humanitarian and development agencies, and financial service providers to deliver services to clients, so working with networks including banks network, exchangers houses network, E-wallets service providers and businesses houses enable clients to access the different services of different providers from one channel, in the meant me service providers sell their products efficiently.

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Banks Network

Yemeni banks are connected with YCASH which enables banks customers and clients to make transactions through this network.

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Exchange Houses Network

All money transfers and exchangers networks are connected with YCASH which enables clients to send and or receive their transfers through whatever network or agents via YCASH.

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E-wallets Services

YCASH is connected with the e-wallet service providers in-country E-wallet services and on process to connect with global e-wallets and payments gateways.

Smart Branche

It is a new innovation to increase communities access to financial services; all services are automated and implemented by clients. People will not need to travel neither to spend time at a financial institution to create an account, receive or send a transfer, inquire about services, pay for services and so on, they just make commands to machine which is going to process all transactions and requests.

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ATM Channels

YCASH provides this service by building strategic partnerships with local banks to use their ATMs, whereby our customers can request this service and obtain an ATM card directly from YCASH.