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Bravo Pay+ allows users to purchase international phone credit from mobile network operators (Zain, MTN and Sudani), pay international electricity bills, taxes, school tuition and other utilities.  Users can purchase phone credit or pay their bills traditionally or complete any of the services we provide by paying local stores in cash or visiting government offices.  We work with EBS in Sudan (Electronic Payment Services) to debit users bank accounts.  We work with Sudanese banks, mobile network operators and government offices via API to facilitate these services.  Mobile Network Top Up - Users can top up their phones (or any other phone) by inputting their number and the amount they would like to top up for.  Our users are mainly Sudanese residents who use the app to to top up their phones, pay their bills, purchase digital products and manage their finances through our app.  We work with EBS to debit users account and credit their accounts with billing companies.  Balance inquiries - Users can inquire about their balances in their bank accounts vi our app as well.  Balance inquiries - Users can inquire about their bank balances using our app for free.  Card balance transfer - Users can transfer balance between banks accounts.  We credit the phone numbers provided via direct API with the mobile network operators or we utilize EBS to complete both the debit and credit process.  The app also provides users with QR code payment methods purchasing items at international points of sale (POS).  Users pay for these services with their sudanese bank cards.  Bill payments - Users can pay their bills (like electricity or tuition) via our app as well.  Bravo is a simple app and targets users who want a quick and easy way to manage utilities.  The goal of the business is to grow outside of Sudan and provide these services across African countries, however, at the moment our user base is limited to Sudan.  We provide this service for 4 Mobile Network operators - Zain, Sudani, MTN and Canar.  Our app provides users the luxury of completing these tasks from their phones.  As of now, we provide this service for electric bills, government taxes and a number of post-secondary schools for tuition.  EBS is also utilized here as a medium to connect with banks via API.  The concept here is the same as above.  This also utilizes EBS.  For clarification - our business model is connecting Sudanese bank card users to the mobile network and bill payments market.  We intend to expand our customer base outside of Sudan and into African countries as a whole.  At the moment, we do not directly work with banks, we work with EBS who provides us an API to allow users from various banks to use our app.