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Rawbank's Illico Cash: Can "Fast Money" Overcome Cash Dependency in the DRC?
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Thomas de Dreux-Brézé, the Head of Strategy and Project Management at Rawbank Congo in the Democratic Republic of the Congo (DRC), was perplexed as he reviewed annual adoption rates for the bank's launch of Illico Cash 2.0. As the bank's mobile money app, Illico Cash literally promised "Fast Cash" for its users who also had a Rawbank account. Unlike most mobile money platforms on the African continent, Illico cash was backed by an established bank - not a technology or a telecommunications company. As he contemplated Rawbank's next strategic move, the future of Illico Cash, and the bank's future moves into digital payment systems in the DRC, he saw multiple challenges to Illico Cash's adoption in several regions across the DRC. Seeing lower-than-anticipated usage rates, he wondered if local preferences for cash seemed just too powerful to overcome. Can the bank's digital payments efforts overcome hurdles in local infrastructure, entrenched interests that favored cash, and currency instability? Would crafting a digital ecosystem be a worthwhile investment for Rawbank without a wholesale structural shift in beliefs?
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