How ModemPay is Helping Small Business Owners Like Chi Chi Go Digital and Take Control

In The Gambia, small businesses are the heartbeat of our economy. From the streets of Serrekunda to the stalls of Bakau Market, every day, vendors serve hundreds of customers. But many of these entrepreneurs struggle with one thing: tracking and managing their business.

Take Chi Chi, for example.

The Challenge: Running Blind

Chi Chi owns a small crepe business called Favorites. Her sweet and savory crepes have become popular with students, workers, and anyone looking for a delicious treat on the go. However, despite her growing customer base, Chi Chi had one major problem: she had no idea how her business was doing financially.

She didn’t record who paid, how much was sold, or which crepes were most popular. Everything was done in cash. She'd just count what was left in her cash box. No digital trail. No customer list. No insights.

Chi Chi’s case is not unique. Many Gambian vendors operate the same way - informally, without proper records, and without digital tools to help them grow.

That’s where ModemPay stepped in.

The Solution: ModemPay Empowers Chi Chi’s Business

After being introduced to ModemPay by another vendor, Chi Chi decided to give it a try. Today, her business has completely transformed.

Here’s how ModemPay helped Chi Chi take control:

1. Accepting Online & Mobile Payments

Chi Chi can now receive payments from QMoney, Afrimoney, and soon from bank accounts—all through her ModemPay account. Customers love the convenience, and Chi Chi no longer turns anyone away because of "no change" or "no cash".

“People now pay me instantly using their phones. I don’t have to chase change or worry about fake notes,” she says.

2. Transaction Tracking and Reports

Each sale made through ModemPay is automatically recorded. Chi Chi can now see exactly how much she makes each day, which crepe sells the most, and when her busiest hours are. No more guesswork.

“I used to think I was making money, but now I know I am. I can even plan better and restock on time,” she explains.

3. Customer Management

Every customer who pays through ModemPay is logged into Chi Chi’s dashboard. She now has a growing list of loyal customers, and she’s learning to send them updates, discounts, and special offers.

“I now know my regulars by name. When I launch a new flavor, I can message them directly,” Chi Chi says with a smile.

The Bigger Picture: ModemPay is Fueling Growth

Chi Chi’s story is just one of many. Across The Gambia, small business owners are waking up to the power of digital tools. ModemPay is not just helping them get paid—it’s helping them grow smarter, faster, and more sustainably.

• Market women can track inventory.

• Tailors can accept down payments via mobile money.

• Salon owners can build customer lists and offer loyalty perks.

Why This Matters

As The Gambia pushes toward a digital economy, we cannot leave small businesses behind. If we want a strong, cashless economy, we must empower vendors like Chi Chi with the right tools.

ModemPay is doing just that—bringing digital inclusion to the people who need it most.

Visit modempay.com and join hundreds of smart business owners transforming the way they sell, get paid, and grow.

Because with ModemPay, your hustle gets smarter.