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YoManE is part of the Ngena Foundation's access to finance programme, providing an efficient and effective risk management tool.

YoManE was established by Ngena Foundation to ensure that its funds are used purpose specifically. Ngena Foundation is a 501 C3, registered in Washington DC.

AGTS makes its Payment Gateway technology available as YoManE, to manage risk, using card and mobile technology applications to facilitate a secure end-to-end payment solution.

Ngena (in-geh-na) is both a Zulu and Xhosa word meaning “access”, facilitates access to life changing services.

These services include HIV treatment; housing finance;  the development and provision of affordable housing stock; construction finance and bringing banking-like services to people in under-resourced communities, where finance for such endeavours is not ordinarily available through the commercial market.

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