World Open Service R&D (WOS) is a tech company based in the Netherlands and is a wholly-owned subsidiary of WOS Holding. Our mission is to develop and maintain innovative platforms for Mobile Money, Digital Banking, eCommerce, Digital Trade Financing, Smart m-POS, eGateways, QR codes, and Remittance services, all provided through our super Platform as a Service (PaaS) business model.


As an international provider of digital services, we ensure secure and efficient access to mobile financial services for the African market. Our business-to-business (B2B) offerings empower financial institutions, mobile network operators, fintech companies, money transfer organizations, retailers, NGOs, and corporations by providing the necessary infrastructure to enhance connectivity between individuals, businesses, and financial entities.


Established in 2010, our network extends throughout Africa and its diaspora communities. We link over 15,000 merchants and 25,000 agents with 1,700 goods suppliers and various financial institutions, remittance service providers, and mobile operators to serve over 2.5 million end-users.


Our platforms began operating in Ethiopia in 2015 and quickly became a leader in the local market with over 300 million transactions totaling more than 4.5 billion USD. We are expanding our reach to connect Eastern and Western Africa and aim to become a key player in the continent's Digital Banking and Digital Trade Financing sectors by 2025.