# Lacagta mobilka ee Soomaaliya: EVC Plus, Zaad, Sahal iyo eDahab > Sida lacagta mobilku uga shaqeyso Soomaaliya: EVC Plus, Zaad, Sahal, eDahab, shatiyada Bangiga Dhexe, doollarka, iyo nidaamka lacag-bixinta degdegga ah ee qaranka. Source page: https://calankii.com/so/economy/mobile-money/ Language: so Translation of: https://calankii.com/en/economy/mobile-money/ Last checked: 2026-11-12 Publisher: Calankii (https://calankii.com) ## Inta uu baahsan yahay Sahankii qoysaska ee qaranka ee 2022 wuxuu ogaaday in **85 boqolkiiba** dadka da'doodu tahay 15 iyo wixii ka weyn ay lahaayeen taleefan gacmeed, iyo in **81.8 boqolkiiba** kuwa taleefanka lahaa ay u isticmaaleen lacag-wareejin ([Xafiiska Tirakoobka Qaranka ee Soomaaliya, SIHBS 2022](https://nbs.gov.so/wp-content/uploads/2023/07/SOMALIA-INTEGRATED-HOUSEHOLD-BUDGET-SURVEY.pdf)). Sannadkii 2016 Bangiga Adduunku wuxuu horeba u tiriyay in 73 boqolkiiba dadka da'doodu tahay 16 iyo wixii ka weyn ay isticmaalayeen lacagta mobilka ([Bangiga Adduunka, blog](https://blogs.worldbank.org/en/nasikiliza/a-game-changer-the-prospects-and-pitfalls-of-mobile-money-in-somalia)). Dadku sidan ayay cunto ku iibsadaan, kiro iyo khidmadda iskuulka ku bixiyaan, tagsi ku raacaan, mushahar iyo gargaarna ku qaataan. Lacagta mobilku waxay ku shaqeysaa taleefan caadi ah iyadoo la adeegsanayo koodh gaagaab (USSD), looma baahna taleefan casri ah ama internet. ## Adeegyada ugu waaweyn - **EVC Plus** (Hormuud Telecom), koonfurta iyo bartamaha Soomaaliya. Waxaa la sheegay inuu bishii qabto qiyaastii 155 milyan oo wareejin oo qiimahoodu yahay qiyaastii $2.7 bilyan, in ka badan 145 hay'adood oo gargaarna ay dadka ku bixiyaan ([TechCabal, Juun 2026](https://techcabal.com/2026/06/19/techcabal-daily-somalias-accidental-bank/)). Hormuud waxay sidoo kale maamushaa barnaamijka [WAAFI](/en/businesses/waafi/). - **Zaad** (Telesom), Somaliland. Wuxuu ku shaqeeyaa doollarka Mareykanka ([GSMA](https://www.gsma.com/mobilefordevelopment/uncategorized/developing-a-currency-exchange-functionality-to-drive-mobile-money-usage-a-new-mobile-money-innovation-in-somaliland/)). - **Sahal** (Golis Telecom), Puntland iyo waqooyi-bari ([Wikipedia, Golis Telecom Somalia](https://en.wikipedia.org/wiki/Golis_Telecom_Somalia)). - **eDahab** (Somtel), Somaliland iyo meelo kale. Boorsada lacageed ee Wadaag Bank, oo ah bangi cusub oo Somaliland ah, waxay ku xiran tahay Zaad iyo eDahab labadaba ([Tech Africa](https://tech.africa/?p=88129)). ## Xeerarka Bangiga Dhexe ee Soomaaliya wuxuu 2019 soo saaray Xeerarka Lacagta Mobilka. Febraayo 2021 wuxuu shatigii ugu horreeyay ee lacagta mobilka siiyay Hormuud, EVC Plus awgeed ([VOA](https://www.voanews.com/a/africa_somalia-issues-first-license-mobile-money-service/6202644.html)). Kahor intaas, shirkaduhu sannado ayay shati la'aan ku shaqeynayeen, maxaa yeelay ma jirin hay'ad nidaamisa oo shaqeyneysay ([Cilmi-baaris Jaamacadda Oxford](https://ora.ox.ac.uk/objects/uuid:1ac123d0-39ae-4ad2-8717-23e6b4fedcf2/files/rnz806072v)). Diseembar 2025 Bangiga Dhexe wuxuu shati siiyay **6 shirkadood oo lacagta mobilka ah**, 13 bangi oo gudaha ah, 1 laan bangi shisheeye, iyo 14 shirkadood oo xawaalad ah ([Bangiga Dhexe ee Soomaaliya, Warbixinta Sannadlaha 2025](https://centralbank.gov.so/wp-content/uploads/2026/08/Annual-Report_2025.pdf)). Akoonnada cusub hadda waa in lagu furo kaarka aqoonsiga qaranka, oo lagu hubiyo nidaamka eKYC ee "Hubiye" (isla ilahaas). Ururka caalamiga ah ee warshadaha mobilka, GSMA, wuxuu Ogosto 2025 mar kale shahaado siiyay EVC Plus ([Garowe Online](https://www.garoweonline.com/en/news/somalia/somalia-hormuud-telecom-re-certified-by-gsma-for-secure-mobile-money-services)). ## Doollarka taleefanka ku jira Lacagta mobilka ee Soomaaliya badankeedu waa doollarka Mareykanka. Bangiga Dhexe wuxuu sheegay in wareejinta doollarka ee lacagta mobilku ay "noqotay mid loo door bido iibsashada alaabta iyo adeegyada". Taasi waxay yareysay baahida shilinka, waxayna ka qayb qaadatay in shilinku 2025 hoos u dhaco 7.1 boqolkiiba ([Bangiga Dhexe ee Soomaaliya, Warbixinta Sannadlaha 2025](https://centralbank.gov.so/wp-content/uploads/2026/08/Annual-Report_2025.pdf)). Lacagta yar-yar, dadku weli waxay isticmaalaan waraaqaha shilinka ee duugga ah. Eeg [Shilinka Soomaaliga iyo doollarka](/so/economy/somali-shilling-and-the-dollar/). ## Isku xirka bangiyada iyo taleefannada Sannadkii 2025 Bangiga Dhexe wuxuu bilaabay **Nidaamka Lacag-bixinta Degdegga ah ee Soomaaliya (SIPS)**, oo ku shaqeeya Somalia Payment Switch. Wuxuu u oggolaanayaa in lacag isla markiiba la kala wareejiyo bangiyada, habeen iyo maalin, waxaana loo furayaa shirkadaha lacagta mobilka. Wuxuu isticmaalaa heerka QR-ka qaranka ee la yidhaa **SOMQR** ([Bangiga Dhexe ee Soomaaliya, Warbixinta Sannadlaha 2025](https://centralbank.gov.so/wp-content/uploads/2026/08/Annual-Report_2025.pdf); [Techloy](https://www.techloy.com/somalia-launches-first-national-instant-payment-system/)). Nidaamkii hore ee lacag-bixinta qaranka wuxuu 2025 qabtay 1.41 milyan oo wareejin oo qiimahoodu ahaa $2.42 bilyan, qiimahaasina wuxuu kordhay 25 boqolkiiba ([Bangiga Dhexe ee Soomaaliya, Warbixinta Sannadlaha 2025](https://centralbank.gov.so/wp-content/uploads/2026/08/Annual-Report_2025.pdf)). ## Sida gargaarku u isticmaalo Hay'adaha gargaarku lacag caddaan ah ayay si toos ah ugu diraan taleefannada qoysaska. Barnaamijka badbaadada bulshada ee qaranka, Baxnaano, wuxuu gaaray in ka badan 3.7 milyan oo qof ([Bangiga Adduunka](https://shorthand.worldbankgroup.org/reforms-and-relief-how-somalia-turned-a-page-amid-a-global-debt-crisis/)). ## Ilaha way kala duwan yihiin TechCabal waxay EVC Plus keligiis siisaa 155 milyan oo wareejin bishii. Warbixinno kale waxay isla tiradaas siiyaan suuqa qaranka oo dhan ([TechAfricaNews](https://techafricanews.com/2025/08/20/somalias-hormuud-telecom-secures-gsma-mobile-money-re-certification/)). Sannadka uu EVC Plus bilaabmay ilaha qaarkood waxay ku sheegaan 2009, qaar kalena 2011.