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Author: Garikai Dzoma


What Are EMV Cards And Why The RBZ Wants Banks To Migrate To These

Tucked in the latest Monetary Policy was a statement by the RBZ governor that 80% of card infrastructure in Zimbabwe was EMV compliant. The governor also expressed his preference for technology as he clearly believes EMV has superpowers. Further to the cyber security guidance, market participants are required to migrate to Euro MasterCard and Visa […]


Econet’s Elevate System Is Having Challenges, Yomix Bundles Not Working

If for the past 48 hours or so you have been having trouble logging into the Yomix app then you are not alone. It would appear that Econet is having problems on its Elevate platform upon which Yomix sits. For me and others that means you can no longer use your Yomix bundles. For me, there […]


Diaspora Remittances Decline By 11%

Arguably one of the most important sources of foreign currency has been remittances by those in the diaspora. When the economy tanked back in 2003, there was a surge in the number of people who left Zimbabwe looking for greener pastures. Those people often left their dependents back in Zimbabwe. Most send back money for […]


The Government Stole Our USD, There Is No Denying It Now

Well, the Zimbabwean government has now been finally forced to admit what we have known all along: Bond notes are not equal to real US dollars despite what the law says (or used to say). Nor are RTGS balances that now flood our accounts equal to US dollars. We all know that. We have known […]


Tetrad Bank Is Coming Back Soon: RBZ

A lot of you remember Tetrad; they were one of the early adopters of mobile payment systems although they failed to capitalise on it. They had a system called eMali way back in 2011. The platform had a card linked to a mobile wallet that allowed customers to send money to each other. Like so many […]


What Is IFRS 9 And Why Is It Mentioned In The Latest Monetary Policy

Tacked in between the surprising but not so surprising revelation that bond notes and all of Zimbabwe’s pseudo currencies were no longer equal to the USD, was a cryptic reference to something called IFRS 9. If you were one of the people stumped by this, fear not, I am here to educate you. What is […]


Local Nostro Settlement System To Go Live Soon

While parsing the latest Monetary Policy statement from the RBZ something caught my eye: hidden beneath the exciting announcement that the RBZ has finally found Jesus and accepts bond notes, RTGS and USD are not equal peers, was the announcement of a local settlement platform. This was announced a few weeks ago A few weeks […]


The RBZ Pours Jecha On The Forex Black Market

When John Mangudya announced that he was going to introduce bond notes in addition to the already circulating bond coins back in 2016 people were not amused. In fact, there were protests and individuals like Evan Mawarire came into infamy and were arrested and charged with all manner of crimes. The bone of contention At […]


Mangudya Throws In The Towel As The RBZ Floats The Bond But Avoids Dollarisation

As we have mentioned in an early article, the government has finally abandoned the 1:1 ship. Bond notes, coins, Ecocash, Telecash and bank balances are now known as RTGS dollars. Personally, I think he should have just called them bollars like the rest of us but at least the governor is on the right track. […]


The RBZ Is Going To Devalue The Bond Today: Bloomberg

As we have pointed out elsewhere, according to the law, the RBZ’s 2019 monetary policy is long overdue. In its absence, a lot of rumours have been doing rounds with some suggesting the Monetary and Fiscal authorities are actually fighting and not seeing eye to eye. A report that both said authorities have strenuously denied. […]


Ecocash Cashout Rates Have Fallen On The Black Market

While Zimbabwe certainly still has a biting foreign currency crisis one thing appears to have gotten less severe for some reason: The Cash crisis, which is still definitely a problem appears to have gotten less severe. In June last year whenever I wanted to cash out money from my Ecocash wallet I had to part […]


#Exclusive: Breaking News: It Seems Cloudflare Is Merging With Akamai

There is tentative evidence and a little inside information that seems to confirm that two CDN giants Akamai and Cloudflare are on the verge of merging. A few weeks ago one insider who works in the industry with whom we are in contact noticed that the work addresses of his colleagues who work for both […]


Forex Shortages Cause Roaming Friction For Telecel Customers

If you are one of those people who really still use calls to do business and do a lot of travelling then roaming is something you really consider to be important. If like me you use WhatsApp as a primary means of communication then you do not have to go throw the pains of activating […]


British Parliament Report: Facebook Are Digital Gangsters

In the past few years, Facebook has buckled under the pressure of fake news and how to get rid of it from its platform. They have been accused of either not doing enough or being complicit. On other numerous occasions, they have been found to have deliberately violated privacy laws. In the latest attack by […]


Get Your Own dotAfrica Domain For €3 Per Year: Ecocash Offer Available

On 15 March 1985, the US Department of Defense introduced the .com domain to the world and ushered the revolution that is the web into existence. However, because of time and domain speculation, a lot of good .com domains are now no longer available. Even Google had to change its name from Googol in order […]


Winky D Is Winning The Second Unofficial Race Against Jah Prayzah As MuGarden Goes Viral On YouTube

In case you missed it there is, perhaps, an unintended YouTube video war between Winky D and Jah Prayzah. On Monday 11 February Jah Prayzah uploaded his Kunerima video after realising a teaser image of him and Misred embracing. A picture that set tongues wagging before people could put it in context. Thanks to this […]


Pastoral Care Is An SaaS Suite Made With Zimbabwean Churches In Mind

There can be no denying the fact that Zimbabwe is a Christian nation- I mean no offence to the other religions out there, religious freedom is very much alive in this country. The majority of us like to put on our best clothes every Sunday or (clears throat) Saturday, go meet our church friends and […]


Mutodi “Denies” Biti’s New Currency Claim

Former Finance Minister Tendai Biti has been quoted as saying the Zimbabwean government was planning to introduce a new currency sometime this week. As if that was not concerning enough, he added that the new currency would be backed by nothing except the good word of our dear government. Well known Zanu PF activist who […]


How To Install Android APKs On Ubuntu

It’s not a secret that Android is Linux. It doesn’t ship with most of the GNU libraries or utilities like the much revered and reviled systemd. Yet at its heart, it is still Linux. Common sense would dictate that it should be very trivial to get Android packages to run on Ubuntu. In this case, […]


Watch: Spend The Weekend Watching Polar, Netflix’s “John Wick”

It’s pretty easy to get lost in the jungles of Netflix’s vast movie library. Sometimes if you share a profile, my family does that, you will be inundated by recommendations that are way off the mark when it comes to your taste. That doesn’t mean that there is nothing to watch even if you cannot […]


Standard Chartered Bank Pleads Guilty To Rand Manipulation

On Tuesday the New York State Department of Financial Services (DFS) released a statement saying that they had reached an agreement with Standard Chartered Bank where the bank pleaded guilty to currency manipulation including manipulation of the Rand. In exchange, Standard Chartered will pay $40 million to the DFS. Stan Chart was part of the […]


Pictures: L6 Colour Smart-band Unboxing

Not every one of us can afford the Xiaomi the Mi Band 3, the king of smart bands which goes for around $23.99 online or $55 at the Mistore at Eastgate. That doesn’t mean you have to miss out on the wearable movement. There are still a host of cheaper, albeit less known, smart band […]


Breaking News: ZIMSEC Shuts Down The Online Results Portal

A few days ago we received a tip and verified for ourselves that the ZIMSEC online results portal was no longer accessible. At the time we assumed that this was due to some technical reasons, government websites in Zimbabwe have a notorious habit of prolonged downtime. It appears this is not one of those cases, […]


YouTube Piracy Is Rife In Zimbabwe, Here Is What Musicians Can Do About It

Half of my childhood was set in the late 1990s ,years which, most people agree, were some of Zimbabwe’s best years. Like me, a lot of people like to listen to Ezomgido tracks from the good old days when we had our own reputable currency and the entire region looked up to us when it […]


How To Use Fibroniks On The Go On Zolspots

One of the perks of having a ZOL internet connection is that you get “free” WiFi access on ZOL’s numerous ZOLspots. Connecting using your Fibroniks on the Go credentials will see you using data from home or work account instead of you having to buy a voucher. If you have unlimited account it essentially means […]


There Is More To An Economy Than The Value Of Bond Notes

My colleague has already delivered his rebuttal to Mr Eddie Cross’s claim that the bond note is the strongest currency in Southern Africa. In this article I am going to deliver my own rejoinder to the assertion by Mr Cross that because the bond note is stronger than all the other currencies in this region […]


The Econet Kombi WiFi Dream Is All But Dead

Back in 2014 Econet launched their own WiFi project in a bid to reduce congestion on its network which was mostly 3G in urban areas back then. Econet being the largest Mobile Network Operator was facing a lot of demand during peak hours resulting in painfully slow speeds especially when one was in the CBD. […]


DSTV Quietly Released The Explora 3A

If like me you were under the impression that there are two versions of the Explora decoder, the original version and the pared down version 2, you would be sorely mistaken. It seems in November of 2018 DSTV quietly launched version 3 of the Explora dubbed Explora 3A. To be honest I can understand why […]


You Can Now Prefund Your Standard Chartered Visa

For a long time last the Standard Chartered Visa card was one of the few “last man standing” as one after another banks suspended their Visa and MasterCards due to the biting forex shortages. As of July last year a few Stan Chart Visa cards were still working on the now increasingly ludicrous 1:1 principle […]


The Sun Is Setting For Google+, Google Is Killing The Project

Remember Google+, Google’s own version of Facebook, yes it was still somehow alive even though practically no one was using it in the way it was intended to? Well Google seems to have seen the light and have now announced that they are switching off the light on Google+. Here are the details of how […]