Bringing Household Workers into the Financial System

A new platform called AskMandla is leveraging WhatsApp to formalize domestic employment relationships in South Africa, addressing a significant gap in the country’s financial infrastructure.

With approximately 1.6 million domestic workers and their employer households largely operating informally, AskMandla aims to bring this ZAR107 billion (US$6.5 billion) annual wage flow into the formal economy.

How It Works

For employers, the platform offers a simple WhatsApp interface that handles all compliance requirements – contracts, UIF registration, payslips – in just minutes.

Domestic workers gain access to:

  • Formal employment records and payslips (essential for accessing financial services)
  • Earned Wage Access, allowing them to receive a portion of their wages mid-month
  • Clear fee structures with no hidden charges

Addressing a Critical Need

The informal nature of domestic work leaves both employers and employees vulnerable:

  • Employers risk fines from labor inspections
  • Workers lack financial protection and access to credit
  • The entire sector operates outside formal banking channels

AskMandla provides the missing infrastructure that connects household employment to South Africa’s robust fintech ecosystem.

Early Traction & Future Plans

Launched on May 1 (Workers’ Day) last year, AskMandla has already:

  • Processed over ZAR5 million (US$300,000) in salaries
  • Issued nearly 1,000 payslips
  • Maintained a churn rate below 2% (indicating high satisfaction)

The company currently operates only in South Africa but is exploring potential expansions with the right partnerships.