Channels Matrix
Emali 2.0 is delivered through multiple channels. Use this matrix to decide where a task is performed.
| Audience | Primary channel | Secondary channel | Notes |
|---|---|---|---|
| Customer | Mobile native | Customer web portal + USSD *123# |
Mobile is the primary UX for daily transactions. USSD is the fast low-data path for balance, send money, pay bills, airtime, mini statement, cash out, and request approvals. |
| Organization | Org Console (web) | USSD *321# |
Org admins manage tills, policies, teams, and operational reporting. The org USSD path is PIN-gated and optimized for field approvals and quick operational checks. |
| Merchant | Org Console (web) | Mobile native | Merchant payments are initiated by customers; merchants manage settlements/payouts in web. |
| Agent | Agent USSD *234# |
Org Console (web) | Agents use a dedicated dial code for outlet operations, float checks, commissions, and support. PIN authentication is required before agent menus open. |
| Biller | Org Console (web) | Developer Portal (web) | Billers manage catalogs/invoices; may also integrate via APIs/webhooks. |
| Developer | Developer Portal + API | Docs + Postman | Sandbox first, then production. |