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  • Plan
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  • Research

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  • The brief
  • Start here
  • Idea portfolio
  • Effort vs impact
  • This week · 6
  • This quarter · 10
  • Big bets · 3
  • Wildcards · 2
Generated Oct 22, 2026
  1. Programmable
  2. Playbooks
  3. Wave
Wave logo

growth playbook · Oct 22, 2026

wave.com (opens in a new tab)

Wave growth playbook

Diagnosis

Wave grows on the ground: distributors sign up users, agents handle cash, and country teams run TV, radio, events and agent branding.

Its hiring shows a push to make that machine measurable and to keep new users active: a digital marketing coordinator, marketing managers in The Gambia and Niger, senior marketers for funnel, attribution and insights, user growth leads in Niger and Sierra Leone, agent branding in DR Congo, and business development and key accounts.

The website has not kept up: one homepage for every country, no country pages, business fees only in CFA, a broken testimonials page and a blog last updated in 2023. This playbook gives each country a page and trackable campaigns first, then rewards active users, adds agent and biller pages, and builds merchant, remittance and school channels.

Growth Score

7/10

Biggest Opportunity

Give every country a local web presence and every offline campaign a tracked link, so the fast-growing field machine can see what works.

Biggest Risk

Telco wallets such as Orange Money compete on reach in every market, and Wave's growth depends on agent liquidity and trust staying strong as it enters new countries.

01

Start here

The three moves to make first. Each one is written up in full below.

  1. 1

    One web page per country, so campaigns in Freetown, Kinshasa and Niamey land somewhere local

    List the facts each country page needs and draft the Sierra Leone page.

    High impact First result in 1 month
  2. 2

    A real title, description and share image for the homepage and business page

    Write the homepage title and description today.

    Medium impact First result in 2 weeks
  3. 3

    Show business fees in each country's currency and route "Contact sales" to the right country

    Collect the free amount and fee for each country.

    High impact First result in 1 month

02

Your idea portfolio

21 ideas, grouped by when to run them. Open any idea for how to run it: the steps, who to approach, copy you can use, and how to measure it.

  • 8 ideas are marked Unexpected: plays you are unlikely to have tried.

Every idea placed by the effort it takes against the impact it could have. Quick wins sit top left; select a number to open that idea. The filters below narrow the list by status, timing, category and what Programmable can build.

Effort vs impactEach number is an idea. Select one to open it.
Impact →
Quick wins · 2Big bets · 11Fill-ins · 5Reconsider · 3
Effort →

Showing 21 of 21 ideas

This week 6

Quick wins with a clear first action.

  • 01

    Wave is hiring marketing managers in The Gambia and Niger, user growth leads in Niger and Sierra Leone and a branding coordinator in DR Congo, and its digital coordinator adapts TV, radio and street campaigns for digital. Yet wave.com has a single homepage that names no country, offers no country choice, shows a Senegalese testimonial about Woyofal and quotes business fees in CFA francs, which are not used in The Gambia, Guinea, Sierra Leone, DR Congo or Malawi. Someone who hears a radio ad in Freetown and searches "Wave Sierra Leone" finds nothing about Sierra Leone.

    High impactMedium effort First result in 1 month Digital Marketing Coordinator

    First action

    List the facts each country page needs and draft the Sierra Leone page.

    How to measure it

    Installs from country pages

    Now
    –
    Target
    Tracked in every market
    By
    60 days

    Steps

    1. 1

      Agree the template

      Fees, bills, agents, support, testimonial, app links.

      Digital Marketing Coordinator 2 days

    2. 2

      Collect facts

      One sheet per country from the country teams.

      Digital Marketing Coordinator 1 week

    3. 3

      Build

      Hugo template, country picker, hreflang.

      Web Engineer 1 week

    4. 4

      Legal check

      Fee wording and terms links per country.

      Legal Counsel 1 week

    5. 5

      Launch three

      Sierra Leone, DR Congo, Niger first.

      Digital Marketing Coordinator 1 week

    6. 6

      Point campaigns

      QR codes, social bios, radio scripts.

      Marketing Manager, Niger 2 weeks

    7. 7

      Measure

      Visits, store clicks and installs per country in Plausible.

      Digital Marketing Coordinator monthly

    First result
    1 month
    Cost
    Staff time only
    Owner
    Digital Marketing Coordinator

    Smallest test

    Publish a single Sierra Leone page and use it in one week of Freetown social posts.

    Why it works

    Add a country picker and a page per market (wave.com/en/sl/, /fr/cd/ and so on) with: what Wave costs there in local currency, the bills you can pay, how to find an agent, the local toll-free number, a local testimonial, the right app links, and the local terms already on the site. Point each country's campaigns, QR codes and social bios to its page.

    Local pages answer the first questions a new user has (does it work here, what does it cost, where do I cash in) and give each country team a landing page to measure. Hugo makes a template-driven page per country cheap to build.

    Ready to use

    ChecklistCountry page checklist

    [ ] Country name and flag in the title
    [ ] Fees in local currency
    [ ] Bills you can pay
    [ ] How to find an agent
    [ ] Local toll-free number
    [ ] Local testimonial
    [ ] App links
    [ ] Local terms link
    [ ] English or French by country, hreflang set
    [ ] QR code and tracked URL for campaigns

    Risks and how to handle them

    • Fees change by country

      Keep one fee sheet per country owned by the local team.

    • Pages go stale

      Review each page every quarter.

    Evidence

    • Your websiteHomepage (English and French, October 21, 2026): the page title is just "Wave", with no meta description, share image, canonical or hreflang tags. The hero says "Mobile money, reinvented" and "Deposit, withdraw, pay bills for free. Send for only 1%." No country is named anywhere on the page and there is no country choice; the two testimonials include paying "Woyofal" (a Senegalese prepaid electricity service); the App Store link points to the Senegal storefront.Source
    • Your websiteBusiness page (title "Wave"): "500K+ monthly business payment recipients", "1M+ active API users", "100K+ active in-person merchants"; the business app makes "the first 20k CFA in payments" free each day "with a 1% fee after that" (CFA francs are not the currency in The Gambia, Guinea, Sierra Leone, DR Congo or Malawi); the Checkout API is promoted with no link to developer documentation, and "Contact sales" goes to an external form. The Checkout page says "Pay with Wave is only available for Android. Coming soon to iOS!"Source
    • Your websiteSitemaps (English 202 URLs, French 110): 75 job pages and about 90 terms pages per bank partner and country (Senegal, Côte d'Ivoire, Mali, Burkina Faso, The Gambia, Guinea, Cameroon, DR Congo, Niger, Malawi, Sierra Leone, Uganda), but no country pages, no agent or biller pages; the blog has 14 posts, the newest from January 23, 2023; /en/testimonials/ is listed but returns an error page.Source
    • HiringMarketing Managers in The Gambia ("coordinating product launches and customer-facing initiatives", "Identify opportunities to improve customer acquisition, engagement, and retention") and Niger (ATL "TV, radio, and print" and BTL "events, promotions, and on-ground activations", "driving user growth and engagement").Source
    • HiringRegional Lead (User Growth), Niger (posted September 29, 2026) and User Growth Regional Lead, Sierra Leone: manage supervisors "who, in turn, manage field-based distributors. These distributors are responsible for recruiting new users"; "Develop strategies to boost the retention of newly acquired users"; "boost active usage across money transfers and bill payments"; "Use data to inform distribution strategies".Source
    • HiringBranding Coordinator, DR Congo (posted October 3, 2026): supervises "all the agent network branding initiatives" to "maintain desirable visibility and agent activation rates as we rapidly scale our business in the Democratic Republic of Congo"; Wave is also hiring agent operations and liquidity leads in DR Congo, Niger, Malawi, Sierra Leone and The Gambia.Source
    • HiringDigital Marketing Coordinator (Dakar, posted September 7, 2026): "plan and execute digital campaigns, while adapting ATL and BTL initiatives for digital channels"; "Own and plan Wave's digital marketing content calendar"; brief external agencies with the Social Media Coordinator; "Track, analyze, and report on overall digital KPIs and campaign performance across all channels".Source
  • 02

    The homepage and business page are both titled just "Wave" and have no meta description or share image, so search results and every WhatsApp or Facebook share of wave.com show a bare link.

    Medium impactLow effort First result in 2 weeks Digital Marketing Coordinator

    First action

    Write the homepage title and description today.

    How to measure it

    Search click-through

    Now
    –
    Target
    +20%
    By
    60 days

    Steps

    1. 1

      Write copy

      Two languages.

      Digital Marketing Coordinator 2 hours

    2. 2

      Make the image

      Share card.

      Head of Brand Design and Creative 1 day

    3. 3

      Add tags

      Hugo layout.

      Web Engineer 2 hours

    4. 4

      Test previews

      WhatsApp and Facebook.

      Digital Marketing Coordinator 1 hour

    5. 5

      Submit

      Search Console.

      Web Engineer 1 hour

    6. 6

      Check

      Click-through after a month.

      Digital Marketing Coordinator monthly

    First result
    2 weeks
    Cost
    $0
    Owner
    Digital Marketing Coordinator

    Smallest test

    Add the homepage description and test a WhatsApp preview.

    Why it works

    Write a title and description in English and French for the homepage, business page and careers page ("Wave: free deposits and withdrawals, send money for 1%"), add a share image, and set canonical and hreflang tags.

    Links travel through WhatsApp in Wave's markets; a good preview is free advertising on every share.

    Risks and how to handle them

    • Wrong fee claims in snippets

      Keep descriptions general until country pages exist.

    Evidence

    • Your websiteHomepage (English and French, October 21, 2026): the page title is just "Wave", with no meta description, share image, canonical or hreflang tags. The hero says "Mobile money, reinvented" and "Deposit, withdraw, pay bills for free. Send for only 1%." No country is named anywhere on the page and there is no country choice; the two testimonials include paying "Woyofal" (a Senegalese prepaid electricity service); the App Store link points to the Senegal storefront.Source
    • Your websiteBusiness page (title "Wave"): "500K+ monthly business payment recipients", "1M+ active API users", "100K+ active in-person merchants"; the business app makes "the first 20k CFA in payments" free each day "with a 1% fee after that" (CFA francs are not the currency in The Gambia, Guinea, Sierra Leone, DR Congo or Malawi); the Checkout API is promoted with no link to developer documentation, and "Contact sales" goes to an external form. The Checkout page says "Pay with Wave is only available for Android. Coming soon to iOS!"Source
    • HiringDigital Marketing Coordinator (Dakar, posted September 7, 2026): "plan and execute digital campaigns, while adapting ATL and BTL initiatives for digital channels"; "Own and plan Wave's digital marketing content calendar"; brief external agencies with the Social Media Coordinator; "Track, analyze, and report on overall digital KPIs and campaign performance across all channels".Source
  • 03

    The business page quotes "the first 20k CFA in payments are free" and "1% after that", and "Contact sales" sends every business to one external form. A shop in Banjul, Freetown or Kinshasa cannot see its own terms, and the key account and business development teams sit in separate countries.

    High impactLow effort First result in 1 month Key Account Manager

    First action

    Collect the free amount and fee for each country.

    How to measure it

    Business sign-ups from the page

    Now
    –
    Target
    +30%
    By
    90 days

    Steps

    1. 1

      Collect terms

      Per country.

      Business Development Manager - Mali 2 days

    2. 2

      Build the picker

      Business page.

      Web Engineer 3 days

    3. 3

      Add country field

      Sales form.

      Digital Marketing Coordinator 1 hour

    4. 4

      Route leads

      To country teams.

      Key Account Manager 1 day

    5. 5

      Set reply target

      Same working day.

      Key Account Manager 1 day

    6. 6

      Measure

      Leads and sign-ups.

      Key Account Manager monthly

    First result
    1 month
    Cost
    Staff time only
    Owner
    Key Account Manager

    Smallest test

    Add a country field to the form this week.

    Why it works

    Add a country choice on the business page that shows the free daily amount in local currency, the fee, and the sales contact for that country; add a country field to the form and route it to the local team the same day.

    Merchants decide on fees; seeing their own number and a local contact removes the first objection.

    Risks and how to handle them

    • Terms differ by merchant size

      Show standard terms and "ask for volume pricing".

    Evidence

    • Your websiteBusiness page (title "Wave"): "500K+ monthly business payment recipients", "1M+ active API users", "100K+ active in-person merchants"; the business app makes "the first 20k CFA in payments" free each day "with a 1% fee after that" (CFA francs are not the currency in The Gambia, Guinea, Sierra Leone, DR Congo or Malawi); the Checkout API is promoted with no link to developer documentation, and "Contact sales" goes to an external form. The Checkout page says "Pay with Wave is only available for Android. Coming soon to iOS!"Source
    • HiringBusiness Development Manager - Mali (posted September 30, 2026): partnerships "with banks, telcos, bill payment companies, international remittance companies"; Key Account Manager, Côte d'Ivoire (September 14, 2026): grows "strategic corporate payment partners" and must "Detect early churn signals volume decline, drop in unique payers, inactive stores".Source
    • Your websiteHomepage (English and French, October 21, 2026): the page title is just "Wave", with no meta description, share image, canonical or hreflang tags. The hero says "Mobile money, reinvented" and "Deposit, withdraw, pay bills for free. Send for only 1%." No country is named anywhere on the page and there is no country choice; the two testimonials include paying "Woyofal" (a Senegalese prepaid electricity service); the App Store link points to the Senegal storefront.Source
  • 04

    The testimonials page listed in the sitemap returns an error, and the homepage shows two customers, one paying a Senegalese electricity service. Wave now operates far beyond Senegal.

    Medium impactLow effort First result in 1 month Senior Marketing Manager

    First action

    Restore the page with the two existing testimonials.

    How to measure it

    Countries with a testimonial

    Now
    –
    Target
    All markets
    By
    1 quarter

    Steps

    1. 1

      Restore page

      Fix the error.

      Web Engineer 1 hour

    2. 2

      Brief countries

      One customer each.

      Senior Marketing Manager, Senegal 1 week

    3. 3

      Film

      Phones are fine.

      Country marketing teams 1 month

    4. 4

      Consent

      Signed releases.

      Legal Counsel ongoing

    5. 5

      Publish

      Page and social.

      Digital Marketing Coordinator 1 week

    6. 6

      Rotate

      On country pages.

      Digital Marketing Coordinator monthly

    First result
    1 month
    Cost
    Small production budget
    Owner
    Senior Marketing Manager, Senegal

    Smallest test

    Restore the page today.

    Why it works

    Restore the page with short video or photo testimonials from each country (sending money home, paying bills, a merchant taking payments), in the local language with subtitles, and rotate them on country pages.

    People trust neighbors more than brands; local faces show Wave is already used where the reader lives.

    Risks and how to handle them

    • Privacy of customers

      First names only, written consent.

    Evidence

    • Your websiteSitemaps (English 202 URLs, French 110): 75 job pages and about 90 terms pages per bank partner and country (Senegal, Côte d'Ivoire, Mali, Burkina Faso, The Gambia, Guinea, Cameroon, DR Congo, Niger, Malawi, Sierra Leone, Uganda), but no country pages, no agent or biller pages; the blog has 14 posts, the newest from January 23, 2023; /en/testimonials/ is listed but returns an error page.Source
    • Your websiteHomepage (English and French, October 21, 2026): the page title is just "Wave", with no meta description, share image, canonical or hreflang tags. The hero says "Mobile money, reinvented" and "Deposit, withdraw, pay bills for free. Send for only 1%." No country is named anywhere on the page and there is no country choice; the two testimonials include paying "Woyofal" (a Senegalese prepaid electricity service); the App Store link points to the Senegal storefront.Source
    • HiringSenior Marketing Managers: Senegal ("persona building, product life cycle, go to market strategies"; "Build and refine the marketing funnel, lead scoring, and attribution so we can clearly tie activity to results") and Côte d'Ivoire (owns "Market Intelligence & Consumer Insights" - "consumer surveys, usage and attitude studies, competitor tracking" - and "Sponsoring & Brand Partnerships").Source
  • 05

    Wave spends on TV, radio, print, events and agent branding, and the Senegal marketing lead must "tie activity to results". Agent signs are being rolled out across DR Congo. None of these can show which ones produce installs today.

    High impactLow effort First result in 1 month Branding Coordinator

    First action

    Create codes for the next DR Congo sign batch.

    How to measure it

    Share of installs with a source

    Now
    –
    Target
    30%
    By
    1 quarter

    Steps

    1. 1

      Set the scheme

      Code per campaign and region.

      Digital Marketing Coordinator 2 days

    2. 2

      Build redirects

      Short URLs with tracking.

      Web Engineer 2 days

    3. 3

      Print

      On signs and posters.

      Branding Coordinator 2 weeks

    4. 4

      Use in ads

      TV, radio scripts, print.

      Marketing Manager, Niger ongoing

    5. 5

      Report

      Weekly by code.

      Digital Marketing Coordinator weekly

    6. 6

      Shift budget

      Toward the best sources.

      Senior Marketing Manager, Senegal monthly

    First result
    1 month
    Cost
    Printing only
    Owner
    Branding Coordinator

    Smallest test

    Put codes on 100 signs in Kinshasa.

    Why it works

    Give every campaign, region and sign batch its own short URL and QR code that opens the right app store (through the country page), and report installs by code each week.

    Cheap attribution for offline media lets each country shift budget to what works.

    Risks and how to handle them

    • Low scan rates

      Pair the code with a short, spoken URL.

    Evidence

    • HiringBranding Coordinator, DR Congo (posted October 3, 2026): supervises "all the agent network branding initiatives" to "maintain desirable visibility and agent activation rates as we rapidly scale our business in the Democratic Republic of Congo"; Wave is also hiring agent operations and liquidity leads in DR Congo, Niger, Malawi, Sierra Leone and The Gambia.Source
    • HiringSenior Marketing Managers: Senegal ("persona building, product life cycle, go to market strategies"; "Build and refine the marketing funnel, lead scoring, and attribution so we can clearly tie activity to results") and Côte d'Ivoire (owns "Market Intelligence & Consumer Insights" - "consumer surveys, usage and attitude studies, competitor tracking" - and "Sponsoring & Brand Partnerships").Source
    • HiringMarketing Managers in The Gambia ("coordinating product launches and customer-facing initiatives", "Identify opportunities to improve customer acquisition, engagement, and retention") and Niger (ATL "TV, radio, and print" and BTL "events, promotions, and on-ground activations", "driving user growth and engagement").Source
    • HiringDigital Marketing Coordinator (Dakar, posted September 7, 2026): "plan and execute digital campaigns, while adapting ATL and BTL initiatives for digital channels"; "Own and plan Wave's digital marketing content calendar"; brief external agencies with the Social Media Coordinator; "Track, analyze, and report on overall digital KPIs and campaign performance across all channels".Source
  • 06

    Real mobile visitors wait 2.56 seconds for the main content, just over Google's 2.5 second line, and the largest element is the app screenshot. Many new users are on entry-level Android phones and slow data.

    Medium impactLow effort First result in 1 month Web Engineer

    First action

    Compress the hero screenshot.

    How to measure it

    Mobile LCP

    Now
    –
    Target
    Under 2.5 s
    By
    60 days

    Steps

    1. 1

      Resize image

      Modern format.

      Web Engineer 2 hours

    2. 2

      Preload

      Hero image.

      Web Engineer 1 hour

    3. 3

      Trim CSS and JS

      Unused code.

      Web Engineer 1 day

    4. 4

      Test

      On a low-end phone.

      Web Engineer 1 hour

    5. 5

      Deploy

      Both languages.

      Web Engineer 1 hour

    6. 6

      Check

      Field data after 28 days.

      Web Engineer monthly

    First result
    1 month
    Cost
    $0
    Owner
    Web Engineer

    Smallest test

    Swap the hero image today.

    Why it works

    Serve the screenshot as a smaller modern image with the right size per screen, preload it, and drop unused CSS and the old jQuery where it is not needed.

    A faster page on a cheap phone keeps people who arrived from an ad, and passing Core Web Vitals helps search.

    Risks and how to handle them

    • Blurry screenshot

      Check on a real phone.

    Evidence

    • Google PageSpeed / Chrome UX ReportReal mobile visitors to the homepage: largest contentful paint 2.56 s at the 75th percentile, just over Google's 2.5 s line, so the page fails Core Web Vitals on loading; interaction 122 ms and layout shift 0 are good. In the mobile lab test the score is 87 and the largest element is the app screenshot (LCP 3.3 s, 527 KB page, 337 KB of images).Source
    • Your websiteHomepage (English and French, October 21, 2026): the page title is just "Wave", with no meta description, share image, canonical or hreflang tags. The hero says "Mobile money, reinvented" and "Deposit, withdraw, pay bills for free. Send for only 1%." No country is named anywhere on the page and there is no country choice; the two testimonials include paying "Woyofal" (a Senegalese prepaid electricity service); the App Store link points to the Senegal storefront.Source

This quarter 10

The core plays for the next three months.

  • 07

    User growth leads in Niger and Sierra Leone run field distributors who recruit users, and they are asked to boost "retention of newly acquired users". A distributor paid per sign-up has no reason to make sure the user sends or pays a bill.

    High impactMedium effort First result in 1 quarter User Growth Regional Lead

    First action

    Pull 30-day activity by distributor for last month.

    How to measure it

    30-day active rate

    Now
    –
    Target
    +15 points
    By
    2 quarters

    Steps

    1. 1

      Tag users

      Distributor code.

      Product Engineering 2 weeks

    2. 2

      Build the report

      Active rate by distributor.

      Data Scientist 2 weeks

    3. 3

      Change incentives

      Bonus on active users.

      User Growth Regional Lead 1 month

    4. 4

      Coach

      Lowest performers.

      User Growth Regional Lead weekly

    5. 5

      Share winners

      What top distributors say.

      User Growth Regional Lead monthly

    6. 6

      Review

      Across countries.

      Head of Operations quarterly

    First result
    1 quarter
    Cost
    Bonus budget
    Owner
    User Growth Regional Lead

    Smallest test

    Run the report for one region.

    Why it works

    Tag each new user with the distributor's code, report each distributor's share of users who make a transfer or bill payment within 30 days, pay a bonus on that, and coach the lowest performers.

    Paying for active users rather than sign-ups lifts retention and cuts wasted acquisition cost.

    Risks and how to handle them

    • Gaming the metric

      Count only real transfers and bills, with fraud checks.

    Evidence

    • HiringRegional Lead (User Growth), Niger (posted September 29, 2026) and User Growth Regional Lead, Sierra Leone: manage supervisors "who, in turn, manage field-based distributors. These distributors are responsible for recruiting new users"; "Develop strategies to boost the retention of newly acquired users"; "boost active usage across money transfers and bill payments"; "Use data to inform distribution strategies".Source
    • News coverageJune 30, 2025: Wave raised a $137 million debt round led by Rand Merchant Bank with British International Investment, Finnfund and Norfund; it "now serves over 20 million monthly users" with "a network of 150,000 agents", operated in "eight West African countries" and gained approval in Cameroon through Commercial Bank Cameroon. Incumbents Orange, Free and Expresso "historically charged up to 10% per transaction"; Wave charges a flat 1% on transfers.Source
  • 08

    Wave is free to deposit and withdraw and lets users pay bills and buy airtime, and the user growth teams are measured on active usage. New users who only cash in once are easy to lose.

    High impactMedium effort First result in 1 quarter Digital Marketing Coordinator

    First action

    Pick the three actions that best predict a user staying.

    How to measure it

    Multi-use new users

    Now
    –
    Target
    +20%
    By
    2 quarters

    Steps

    1. 1

      Find predictors

      Actions linked to retention.

      Data Scientist 2 weeks

    2. 2

      Write messages

      Local languages.

      Digital Marketing Coordinator 2 weeks

    3. 3

      Set triggers

      Product events.

      Product Engineering 1 month

    4. 4

      Launch

      One country.

      Digital Marketing Coordinator 2 weeks

    5. 5

      Measure

      Step completion.

      Data Scientist monthly

    6. 6

      Roll out

      Other countries.

      Digital Marketing Coordinator quarterly

    First result
    1 quarter
    Cost
    SMS costs
    Owner
    Digital Marketing Coordinator

    Smallest test

    Send a day-3 bill message to one week of sign-ups.

    Why it works

    Send short SMS or in-app messages in the local language: day 1 how to send, day 3 your country's billers, day 7 airtime, day 14 invite family. Measure each step by country.

    Each extra use case makes Wave harder to leave.

    Risks and how to handle them

    • Too many messages

      Stop once the action is done.

    Evidence

    • HiringRegional Lead (User Growth), Niger (posted September 29, 2026) and User Growth Regional Lead, Sierra Leone: manage supervisors "who, in turn, manage field-based distributors. These distributors are responsible for recruiting new users"; "Develop strategies to boost the retention of newly acquired users"; "boost active usage across money transfers and bill payments"; "Use data to inform distribution strategies".Source
    • Your websiteHomepage (English and French, October 21, 2026): the page title is just "Wave", with no meta description, share image, canonical or hreflang tags. The hero says "Mobile money, reinvented" and "Deposit, withdraw, pay bills for free. Send for only 1%." No country is named anywhere on the page and there is no country choice; the two testimonials include paying "Woyofal" (a Senegalese prepaid electricity service); the App Store link points to the Senegal storefront.Source
    • HiringDigital Marketing Coordinator (Dakar, posted September 7, 2026): "plan and execute digital campaigns, while adapting ATL and BTL initiatives for digital channels"; "Own and plan Wave's digital marketing content calendar"; brief external agencies with the Social Media Coordinator; "Track, analyze, and report on overall digital KPIs and campaign performance across all channels".Source
  • 09

    Wave has about 150,000 agents, the place where people deposit and withdraw. The website has no agent pages, while people search "Wave agent near me" or the name of their town.

    High impactMedium effort First result in 1 quarter Agent Operations Regional Lead

    First action

    Export agent locations for one city.

    How to measure it

    Agent applications from the web

    Now
    –
    Target
    200 a month
    By
    2 quarters

    Steps

    1. 1

      Export data

      Agent locations.

      Agent Operations Regional Lead 2 weeks

    2. 2

      Build pages

      Town templates.

      Web Engineer 1 month

    3. 3

      Add form

      Become an agent.

      Web Engineer 1 week

    4. 4

      Privacy check

      Business details only.

      Legal Counsel 1 week

    5. 5

      Launch

      One city.

      Agent Operations Regional Lead 2 weeks

    6. 6

      Sync

      Weekly updates.

      Agent Operations Regional Lead weekly

    First result
    1 quarter
    Cost
    Engineering time
    Owner
    Agent Operations Regional Lead

    Smallest test

    Publish a Dakar agent page.

    Why it works

    Publish an agent finder (country, town, neighbourhood) from the agent list, with opening hours where known and a "become an agent" form; keep it in sync with agent operations data.

    People join a wallet when they know they can cash in and out nearby, and it recruits agents too.

    Risks and how to handle them

    • Out-of-date agents

      Show only active agents and update weekly.

    Evidence

    • News coverageJune 30, 2025: Wave raised a $137 million debt round led by Rand Merchant Bank with British International Investment, Finnfund and Norfund; it "now serves over 20 million monthly users" with "a network of 150,000 agents", operated in "eight West African countries" and gained approval in Cameroon through Commercial Bank Cameroon. Incumbents Orange, Free and Expresso "historically charged up to 10% per transaction"; Wave charges a flat 1% on transfers.Source
    • HiringBranding Coordinator, DR Congo (posted October 3, 2026): supervises "all the agent network branding initiatives" to "maintain desirable visibility and agent activation rates as we rapidly scale our business in the Democratic Republic of Congo"; Wave is also hiring agent operations and liquidity leads in DR Congo, Niger, Malawi, Sierra Leone and The Gambia.Source
    • Your websiteSitemaps (English 202 URLs, French 110): 75 job pages and about 90 terms pages per bank partner and country (Senegal, Côte d'Ivoire, Mali, Burkina Faso, The Gambia, Guinea, Cameroon, DR Congo, Niger, Malawi, Sierra Leone, Uganda), but no country pages, no agent or biller pages; the blog has 14 posts, the newest from January 23, 2023; /en/testimonials/ is listed but returns an error page.Source
  • 10

    The Côte d'Ivoire key account role spells out the churn signals: "volume decline, drop in unique payers, inactive stores". Those can be computed every week for every merchant, not only key accounts.

    High impactMedium effort First result in 1 quarter Key Account Manager

    First action

    Define the three thresholds.

    How to measure it

    Recovered merchants

    Now
    –
    Target
    40% of flagged
    By
    2 quarters

    Steps

    1. 1

      Set thresholds

      Three signals.

      Key Account Manager 1 week

    2. 2

      Build list

      Weekly.

      Data Scientist 2 weeks

    3. 3

      Assign

      Account supervisors.

      Key Account Manager weekly

    4. 4

      Call

      Find the blocker.

      Merchant Account Supervisor weekly

    5. 5

      Log reasons

      Why they slipped.

      Key Account Manager weekly

    6. 6

      Review

      Recovery rate.

      Key Account Manager monthly

    First result
    1 quarter
    Cost
    Analyst time
    Owner
    Key Account Manager

    Smallest test

    Flag the top 50 declining merchants this week.

    Why it works

    Build a weekly list of merchants whose volume or unique payers fell sharply, or with stores gone quiet, and assign follow-up calls; track recovery.

    Catching decline early is cheaper than winning merchants back.

    Risks and how to handle them

    • Seasonal dips

      Compare with the same week last year.

    Evidence

    • HiringBusiness Development Manager - Mali (posted September 30, 2026): partnerships "with banks, telcos, bill payment companies, international remittance companies"; Key Account Manager, Côte d'Ivoire (September 14, 2026): grows "strategic corporate payment partners" and must "Detect early churn signals volume decline, drop in unique payers, inactive stores".Source
    • Your websiteBusiness page (title "Wave"): "500K+ monthly business payment recipients", "1M+ active API users", "100K+ active in-person merchants"; the business app makes "the first 20k CFA in payments" free each day "with a 1% fee after that" (CFA francs are not the currency in The Gambia, Guinea, Sierra Leone, DR Congo or Malawi); the Checkout API is promoted with no link to developer documentation, and "Contact sales" goes to an external form. The Checkout page says "Pay with Wave is only available for Android. Coming soon to iOS!"Source
  • 11

    Paying bills for free is one of Wave's headline promises and the homepage cites paying Woyofal, but there are no biller pages. People search how to pay their electricity, water or TV bill by phone.

    High impactMedium effort First result in 1 quarter Digital Marketing Coordinator

    First action

    List the top ten billers by payments.

    How to measure it

    Biller page installs

    Now
    –
    Target
    1,000 a month
    By
    2 quarters

    Steps

    1. 1

      List billers

      Per country.

      Business Development Manager - Mali 1 week

    2. 2

      Write steps

      With screenshots.

      Digital Marketing Coordinator 2 weeks

    3. 3

      Partner check

      Biller approval for names and logos.

      Business Development Manager - Mali 2 weeks

    4. 4

      Publish

      Template pages.

      Web Engineer 1 week

    5. 5

      Share

      Billers' channels.

      Business Development Manager - Mali ongoing

    6. 6

      Measure

      Installs and bill payments.

      Digital Marketing Coordinator monthly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Digital Marketing Coordinator

    Smallest test

    Publish a Woyofal page in French.

    Why it works

    Publish one page per biller per country (how to pay with Wave in steps, fees, a short video), linked from country pages and shared by billers where they agree.

    Bill payments bring people back every month, and each page catches a search with clear intent.

    Risks and how to handle them

    • Biller brand rules

      Get approval before using logos.

    Evidence

    • Your websiteHomepage (English and French, October 21, 2026): the page title is just "Wave", with no meta description, share image, canonical or hreflang tags. The hero says "Mobile money, reinvented" and "Deposit, withdraw, pay bills for free. Send for only 1%." No country is named anywhere on the page and there is no country choice; the two testimonials include paying "Woyofal" (a Senegalese prepaid electricity service); the App Store link points to the Senegal storefront.Source
    • HiringRegional Lead (User Growth), Niger (posted September 29, 2026) and User Growth Regional Lead, Sierra Leone: manage supervisors "who, in turn, manage field-based distributors. These distributors are responsible for recruiting new users"; "Develop strategies to boost the retention of newly acquired users"; "boost active usage across money transfers and bill payments"; "Use data to inform distribution strategies".Source
    • HiringBusiness Development Manager - Mali (posted September 30, 2026): partnerships "with banks, telcos, bill payment companies, international remittance companies"; Key Account Manager, Côte d'Ivoire (September 14, 2026): grows "strategic corporate payment partners" and must "Detect early churn signals volume decline, drop in unique payers, inactive stores".Source
  • 12

    The Mali business development role signs "international remittance companies". Families abroad choose the transfer service, so they need to know their relatives can receive on Wave.

    High impactHigh effort First result in 2 quarters Business Development Manager…

    First action

    List the remittance partners already live per country.

    How to measure it

    Remittance deposits

    Now
    –
    Target
    +20%
    By
    3 quarters

    Steps

    1. 1

      List partners

      Per country.

      Business Development Manager - Mali 2 weeks

    2. 2

      Write page

      Sender view.

      Digital Marketing Coordinator 2 weeks

    3. 3

      Co-market

      With partners.

      Business Development Manager - Mali 1 quarter

    4. 4

      Diaspora groups

      France, US, Spain.

      Digital Marketing Coordinator ongoing

    5. 5

      New partners

      Sign more corridors.

      Business Development Manager - Mali 2 quarters

    6. 6

      Measure

      Volume by corridor.

      Data Scientist monthly

    First result
    2 quarters
    Cost
    Partner marketing
    Owner
    Business Development Manager Mali

    Smallest test

    Publish the list for Mali.

    Why it works

    Publish a page in English and French for senders abroad: which remittance services pay into Wave, per country, how fast, and what the receiver pays; promote it in diaspora groups and with partners.

    Inbound remittances bring large, regular deposits and new users.

    Risks and how to handle them

    • Partner mix differs by country

      Show per-country lists.

    Evidence

    • HiringBusiness Development Manager - Mali (posted September 30, 2026): partnerships "with banks, telcos, bill payment companies, international remittance companies"; Key Account Manager, Côte d'Ivoire (September 14, 2026): grows "strategic corporate payment partners" and must "Detect early churn signals volume decline, drop in unique payers, inactive stores".Source
    • News coverageJune 30, 2025: Wave raised a $137 million debt round led by Rand Merchant Bank with British International Investment, Finnfund and Norfund; it "now serves over 20 million monthly users" with "a network of 150,000 agents", operated in "eight West African countries" and gained approval in Cameroon through Commercial Bank Cameroon. Incumbents Orange, Free and Expresso "historically charged up to 10% per transaction"; Wave charges a flat 1% on transfers.Source
    • HiringWave's description in every job post: "We're making Africa the first cashless continent"; "Parents spend hours waiting in line to pay school fees in cash"; "In 2017, we launched a mobile app in Senegal"; "Now, we have millions of users across 9 countries". The board lists 74 open roles across Senegal, Côte d'Ivoire, Mali, Burkina Faso, The Gambia, Guinea, Cameroon, DR Congo, Niger, Malawi and Sierra Leone.Source
  • 13

    Côte d'Ivoire is hiring for consumer surveys, usage studies and competitor tracking, and Senegal for personas and attribution. Running the same short survey in every market would let each country compare itself with the others.

    High impactMedium effort First result in 1 quarter Senior Marketing Manager

    First action

    Write 12 core questions.

    How to measure it

    Markets on the tracker

    Now
    –
    Target
    All
    By
    2 quarters

    Steps

    1. 1

      Write questions

      Twelve core.

      Senior Marketing Manager, Côte d'Ivoire 2 weeks

    2. 2

      Pick vendor

      Phone or field survey.

      Senior Marketing Manager, Côte d'Ivoire 1 month

    3. 3

      Run wave one

      Three countries.

      Senior Marketing Manager, Côte d'Ivoire 1 month

    4. 4

      Build dashboard

      Shared.

      Data Scientist 1 month

    5. 5

      Expand

      All markets.

      Senior Marketing Manager, Côte d'Ivoire 1 quarter

    6. 6

      Review

      Quarterly.

      Head of Marketing quarterly

    First result
    1 quarter
    Cost
    Survey budget
    Owner
    Senior Marketing Manager, Côte d'Ivoire

    Smallest test

    Run the 12 questions with 300 people in Abidjan.

    Why it works

    Design a quarterly survey (awareness, consideration, main wallet, reasons for switching, fees paid) run in every country with the same questions, and a dashboard all country teams use.

    Comparable numbers show which markets and messages are working.

    Risks and how to handle them

    • Different survey methods by country

      Use the same vendor method where possible.

    Evidence

    • HiringSenior Marketing Managers: Senegal ("persona building, product life cycle, go to market strategies"; "Build and refine the marketing funnel, lead scoring, and attribution so we can clearly tie activity to results") and Côte d'Ivoire (owns "Market Intelligence & Consumer Insights" - "consumer surveys, usage and attitude studies, competitor tracking" - and "Sponsoring & Brand Partnerships").Source
    • HiringWave's description in every job post: "We're making Africa the first cashless continent"; "Parents spend hours waiting in line to pay school fees in cash"; "In 2017, we launched a mobile app in Senegal"; "Now, we have millions of users across 9 countries". The board lists 74 open roles across Senegal, Côte d'Ivoire, Mali, Burkina Faso, The Gambia, Guinea, Cameroon, DR Congo, Niger, Malawi and Sierra Leone.Source
    • News coverageJune 30, 2025: Wave raised a $137 million debt round led by Rand Merchant Bank with British International Investment, Finnfund and Norfund; it "now serves over 20 million monthly users" with "a network of 150,000 agents", operated in "eight West African countries" and gained approval in Cameroon through Commercial Bank Cameroon. Incumbents Orange, Free and Expresso "historically charged up to 10% per transaction"; Wave charges a flat 1% on transfers.Source
  • 14

    Côte d'Ivoire is hiring for sponsoring and brand partnerships, and Niger for events and on-ground activations. Sponsorships build awareness, but few are measured by sign-ups.

    Medium impactMedium effort First result in 1 quarter Senior Marketing Manager

    First action

    Pick the next sponsored event.

    How to measure it

    Sign-ups per event

    Now
    –
    Target
    1,000
    By
    2 quarters

    Steps

    1. 1

      Pick events

      High footfall.

      Senior Marketing Manager, Côte d'Ivoire 2 weeks

    2. 2

      Set up payments

      Vendors on Wave.

      Key Account Manager 2 weeks

    3. 3

      Offer

      First transfer credit.

      Senior Marketing Manager, Côte d'Ivoire 1 week

    4. 4

      Staff

      Distributors at the gate.

      User Growth Regional Lead per event

    5. 5

      Track

      Codes per event.

      Digital Marketing Coordinator per event

    6. 6

      Compare

      Cost per active user.

      Senior Marketing Manager, Côte d'Ivoire quarterly

    First result
    1 quarter
    Cost
    Sponsorship budget
    Owner
    Senior Marketing Manager, Côte d'Ivoire

    Smallest test

    Run payments at one concert.

    Why it works

    At each sponsored event, sell tickets and food through Wave, give a small credit for a first transfer, and use event QR codes; report sign-ups and spend per event.

    Paying with Wave at the event turns brand exposure into first use.

    Risks and how to handle them

    • Network load at big events

      Plan agent liquidity and support on site.

    Evidence

    • HiringSenior Marketing Managers: Senegal ("persona building, product life cycle, go to market strategies"; "Build and refine the marketing funnel, lead scoring, and attribution so we can clearly tie activity to results") and Côte d'Ivoire (owns "Market Intelligence & Consumer Insights" - "consumer surveys, usage and attitude studies, competitor tracking" - and "Sponsoring & Brand Partnerships").Source
    • HiringMarketing Managers in The Gambia ("coordinating product launches and customer-facing initiatives", "Identify opportunities to improve customer acquisition, engagement, and retention") and Niger (ATL "TV, radio, and print" and BTL "events, promotions, and on-ground activations", "driving user growth and engagement").Source
    • Your websiteBusiness page (title "Wave"): "500K+ monthly business payment recipients", "1M+ active API users", "100K+ active in-person merchants"; the business app makes "the first 20k CFA in payments" free each day "with a 1% fee after that" (CFA francs are not the currency in The Gambia, Guinea, Sierra Leone, DR Congo or Malawi); the Checkout API is promoted with no link to developer documentation, and "Contact sales" goes to an external form. The Checkout page says "Pay with Wave is only available for Android. Coming soon to iOS!"Source
  • 15

    Wave's Checkout page tells visitors "Pay with Wave is only available for Android. Coming soon to iOS!", while the business page promotes the Checkout API to merchants. iPhone shoppers on merchant sites meet a dead end.

    Medium impactMedium effort First result in 1 quarter Product Manager

    First action

    Count checkout visits from iPhones.

    How to measure it

    iPhone checkout completion

    Now
    –
    Target
    +50%
    By
    2 quarters

    Steps

    1. 1

      Measure

      iPhone visits.

      Data Scientist 1 week

    2. 2

      Design fallback

      QR or SMS link.

      Product Engineering 2 weeks

    3. 3

      Build

      Fallback flow.

      Product Engineering 1 month

    4. 4

      Update page

      Clear steps.

      Web Engineer 1 day

    5. 5

      Tell merchants

      Email.

      Key Account Manager 1 week

    6. 6

      Track

      Completion.

      Data Scientist monthly

    First result
    1 quarter
    Cost
    Engineering time
    Owner
    Product Manager, Payments

    Smallest test

    Add a QR code to the page.

    Why it works

    Give iPhone shoppers a working path (QR code to scan with another phone, or a payment link by SMS) until the iOS flow ships, and update the page.

    Every dead-end checkout is a lost sale for a merchant and a reason to drop Wave as a payment option.

    Risks and how to handle them

    • Small iPhone share

      Size it first; the fallback is cheap.

    Evidence

    • Your websiteBusiness page (title "Wave"): "500K+ monthly business payment recipients", "1M+ active API users", "100K+ active in-person merchants"; the business app makes "the first 20k CFA in payments" free each day "with a 1% fee after that" (CFA francs are not the currency in The Gambia, Guinea, Sierra Leone, DR Congo or Malawi); the Checkout API is promoted with no link to developer documentation, and "Contact sales" goes to an external form. The Checkout page says "Pay with Wave is only available for Android. Coming soon to iOS!"Source
  • 16

    The DR Congo Branding Coordinator tracks "the progress and quality of our agent network visibility and branding" with branding partners. Without a shared score, quality varies.

    Medium impactMedium effort First result in 1 quarter Branding Coordinator

    First action

    Define a five-point score.

    How to measure it

    Passing agents

    Now
    –
    Target
    80%
    By
    2 quarters

    Steps

    1. 1

      Define score

      Five points.

      Branding Coordinator 1 week

    2. 2

      Add to visits

      Photo in the field app.

      Agent Operations Regional Lead 2 weeks

    3. 3

      Score

      Weekly.

      Branding Coordinator weekly

    4. 4

      Fix

      Branding partners.

      Branding Coordinator ongoing

    5. 5

      Map

      By area.

      Data Scientist monthly

    6. 6

      Link to activity

      Score vs transactions.

      Data Scientist quarterly

    First result
    1 quarter
    Cost
    Field time
    Owner
    Branding Coordinator

    Smallest test

    Score 50 agents in Kinshasa.

    Why it works

    Have field teams photograph each agent's sign during visits, score it (visible, clean, correct fees shown, QR code present), map scores, and send partners to fix the lowest.

    Visible, consistent agents are Wave's storefronts; a score makes quality manageable at scale.

    Risks and how to handle them

    • Extra field work

      Fold the photo into existing visits.

    Evidence

    • HiringBranding Coordinator, DR Congo (posted October 3, 2026): supervises "all the agent network branding initiatives" to "maintain desirable visibility and agent activation rates as we rapidly scale our business in the Democratic Republic of Congo"; Wave is also hiring agent operations and liquidity leads in DR Congo, Niger, Malawi, Sierra Leone and The Gambia.Source
    • News coverageJune 30, 2025: Wave raised a $137 million debt round led by Rand Merchant Bank with British International Investment, Finnfund and Norfund; it "now serves over 20 million monthly users" with "a network of 150,000 agents", operated in "eight West African countries" and gained approval in Cameroon through Commercial Bank Cameroon. Incumbents Orange, Free and Expresso "historically charged up to 10% per transaction"; Wave charges a flat 1% on transfers.Source

Big bets 3

Larger plays that can change the trajectory.

  • 17

    Wave's pitch is price: free deposits and withdrawals and 1% to send, where incumbents historically charged up to 10% per transaction. The site states the 1% but never shows what a typical transfer costs in a user's own currency.

    High impactMedium effort First result in 2 quarters Digital Marketing Coordinator

    First action

    Build a static table for three amounts per country.

    How to measure it

    Calculator to install

    Now
    –
    Target
    10%
    By
    2 quarters

    Steps

    1. 1

      Fee data

      Per country.

      Business Development Manager - Mali 2 weeks

    2. 2

      Legal check

      Comparisons.

      Legal Counsel 2 weeks

    3. 3

      Build

      Calculator.

      Web Engineer 1 month

    4. 4

      Share images

      WhatsApp.

      Digital Marketing Coordinator 2 weeks

    5. 5

      Promote

      Social and radio.

      Marketing Manager, Niger 1 month

    6. 6

      Measure

      Installs.

      Digital Marketing Coordinator monthly

    First result
    2 quarters
    Cost
    Engineering time
    Owner
    Digital Marketing Coordinator

    Smallest test

    Post a fee table image on social in one country.

    Why it works

    Add a calculator to each country page: amount in local currency, the fee with Wave, what the receiver gets, and a field for "what you pay today" so users see the difference themselves. Share results as WhatsApp images.

    A concrete number for the reader's own transfer is more persuasive than a percentage.

    Risks and how to handle them

    • Competitor claims

      Show only Wave's fee and let the user enter theirs.

    Evidence

    • News coverageJune 30, 2025: Wave raised a $137 million debt round led by Rand Merchant Bank with British International Investment, Finnfund and Norfund; it "now serves over 20 million monthly users" with "a network of 150,000 agents", operated in "eight West African countries" and gained approval in Cameroon through Commercial Bank Cameroon. Incumbents Orange, Free and Expresso "historically charged up to 10% per transaction"; Wave charges a flat 1% on transfers.Source
    • Your websiteHomepage (English and French, October 21, 2026): the page title is just "Wave", with no meta description, share image, canonical or hreflang tags. The hero says "Mobile money, reinvented" and "Deposit, withdraw, pay bills for free. Send for only 1%." No country is named anywhere on the page and there is no country choice; the two testimonials include paying "Woyofal" (a Senegalese prepaid electricity service); the App Store link points to the Senegal storefront.Source
    • HiringDigital Marketing Coordinator (Dakar, posted September 7, 2026): "plan and execute digital campaigns, while adapting ATL and BTL initiatives for digital channels"; "Own and plan Wave's digital marketing content calendar"; brief external agencies with the Social Media Coordinator; "Track, analyze, and report on overall digital KPIs and campaign performance across all channels".Source
  • 18

    Wave promises a toll-free number "for instant customer support" and is hiring support teams in The Gambia, Niger and Guinea. Many users prefer Wolof, Bambara, Lingala, Krio or Chichewa and voice over text.

    High impactHigh effort First result in 3 quarters Head of Customer Support

    First action

    List the top ten support questions per country.

    How to measure it

    First-contact resolution

    Now
    –
    Target
    +15 points
    By
    3 quarters

    Steps

    1. 1

      Top questions

      Per country.

      Support Group Lead 2 weeks

    2. 2

      Record answers

      Local languages.

      Support Quality & Training Lead 1 month

    3. 3

      Set up WhatsApp

      Business account.

      Product Engineering 1 month

    4. 4

      Voice menus

      Toll-free line.

      Product Engineering 1 quarter

    5. 5

      Publish numbers

      Country pages.

      Digital Marketing Coordinator 1 week

    6. 6

      Measure

      Resolution and CSAT.

      Head of Customer Support monthly

    First result
    3 quarters
    Cost
    Support tooling
    Owner
    Head of Customer Support

    Smallest test

    Run a WhatsApp line in one country.

    Why it works

    Add WhatsApp and voice support with local-language menus and answers for the top ten questions, with handoff to agents; publish each country's number on its page.

    Fast help in the user's language builds trust in money, the main barrier to switching.

    Risks and how to handle them

    • Fraudsters pose as support

      Publish only official numbers and warn users never to share PINs.

    Evidence

    • Your websiteBlog, April 21, 2022: Wave Digital Finance became "the first non-bank, non-telecom operator that operates in multiple WAEMU" countries to get an e-money license. The site uses Plausible analytics and publishes a toll-free support number promise ("Call our toll-free number for instant customer support") without showing a number.Source
    • HiringWave's description in every job post: "We're making Africa the first cashless continent"; "Parents spend hours waiting in line to pay school fees in cash"; "In 2017, we launched a mobile app in Senegal"; "Now, we have millions of users across 9 countries". The board lists 74 open roles across Senegal, Côte d'Ivoire, Mali, Burkina Faso, The Gambia, Guinea, Cameroon, DR Congo, Niger, Malawi and Sierra Leone.Source
    • HiringRegional Lead (User Growth), Niger (posted September 29, 2026) and User Growth Regional Lead, Sierra Leone: manage supervisors "who, in turn, manage field-based distributors. These distributors are responsible for recruiting new users"; "Develop strategies to boost the retention of newly acquired users"; "boost active usage across money transfers and bill payments"; "Use data to inform distribution strategies".Source
  • 19

    Wave's own mission says "Parents spend hours waiting in line to pay school fees in cash". Schools collect from hundreds of families at fixed dates.

    High impactHigh effort First result in 3 quarters Business Development Manager…

    First action

    Sign three schools in one city.

    How to measure it

    Schools live

    Now
    –
    Target
    200
    By
    3 quarters

    Steps

    1. 1

      Design offer

      Collections and reports.

      Key Account Manager 1 month

    2. 2

      Pilot

      Three schools.

      Business Development Manager - Mali 1 quarter

    3. 3

      Parent days

      Distributors at schools.

      User Growth Regional Lead per term

    4. 4

      Reminders

      SMS before due dates.

      Digital Marketing Coordinator per term

    5. 5

      Scale

      Networks of schools.

      Business Development Manager - Mali 2 quarters

    6. 6

      Measure

      Parents and volume.

      Data Scientist per term

    First result
    3 quarters
    Cost
    Sales time
    Owner
    Business Development Manager Mali

    Smallest test

    Run one parent sign-up day before next term.

    Why it works

    Offer schools collections through Wave (a merchant code per school, reminders to parents, a reconciliation report), launch before term starts, and run parent sign-up days at schools.

    Each school brings hundreds of parents who pay several times a year, and the use case is exactly the mission.

    Risks and how to handle them

    • Schools resist new systems

      Give free reconciliation and keep cash as an option.

    Evidence

    • HiringWave's description in every job post: "We're making Africa the first cashless continent"; "Parents spend hours waiting in line to pay school fees in cash"; "In 2017, we launched a mobile app in Senegal"; "Now, we have millions of users across 9 countries". The board lists 74 open roles across Senegal, Côte d'Ivoire, Mali, Burkina Faso, The Gambia, Guinea, Cameroon, DR Congo, Niger, Malawi and Sierra Leone.Source
    • Your websiteBusiness page (title "Wave"): "500K+ monthly business payment recipients", "1M+ active API users", "100K+ active in-person merchants"; the business app makes "the first 20k CFA in payments" free each day "with a 1% fee after that" (CFA francs are not the currency in The Gambia, Guinea, Sierra Leone, DR Congo or Malawi); the Checkout API is promoted with no link to developer documentation, and "Contact sales" goes to an external form. The Checkout page says "Pay with Wave is only available for Android. Coming soon to iOS!"Source
    • HiringBusiness Development Manager - Mali (posted September 30, 2026): partnerships "with banks, telcos, bill payment companies, international remittance companies"; Key Account Manager, Côte d'Ivoire (September 14, 2026): grows "strategic corporate payment partners" and must "Detect early churn signals volume decline, drop in unique payers, inactive stores".Source

Wildcards 2

Unexpected experiments, each with a cheap way to test it.

  • 20

    The blog's newest post is from January 2023, while Wave has since entered new markets, raised a $137 million debt round and grown past 20 million monthly users. The site tells none of that.

    Medium impactLow effort First result in 1 quarter Senior Marketing Manager

    First action

    Publish a post on the 20 million users milestone.

    How to measure it

    Monthly posts

    Now
    –
    Target
    4
    By
    1 quarter

    Steps

    1. 1

      Plan topics

      One per region.

      Senior Marketing Manager, Senegal 1 week

    2. 2

      Write

      Short updates.

      Country marketing teams monthly

    3. 3

      Translate

      English and French.

      Digital Marketing Coordinator monthly

    4. 4

      Publish

      Blog and country pages.

      Web Engineer monthly

    5. 5

      Share

      Social and press.

      Digital Marketing Coordinator monthly

    6. 6

      Review

      Visits and links.

      Digital Marketing Coordinator quarterly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Senior Marketing Manager, Senegal

    Smallest test

    Publish one post this month.

    Why it works

    Post one short update a month per region (new billers, agent milestones, partnerships), in English and French, with links from country pages; reuse press coverage.

    Fresh local news gives search engines, journalists and partners a reason to link and shows momentum.

    Risks and how to handle them

    • Posts stop again

      One owner and a fixed monthly slot.

    Evidence

    • Your websiteSitemaps (English 202 URLs, French 110): 75 job pages and about 90 terms pages per bank partner and country (Senegal, Côte d'Ivoire, Mali, Burkina Faso, The Gambia, Guinea, Cameroon, DR Congo, Niger, Malawi, Sierra Leone, Uganda), but no country pages, no agent or biller pages; the blog has 14 posts, the newest from January 23, 2023; /en/testimonials/ is listed but returns an error page.Source
    • News coverageJune 30, 2025: Wave raised a $137 million debt round led by Rand Merchant Bank with British International Investment, Finnfund and Norfund; it "now serves over 20 million monthly users" with "a network of 150,000 agents", operated in "eight West African countries" and gained approval in Cameroon through Commercial Bank Cameroon. Incumbents Orange, Free and Expresso "historically charged up to 10% per transaction"; Wave charges a flat 1% on transfers.Source
    • Your websiteBlog, April 21, 2022: Wave Digital Finance became "the first non-bank, non-telecom operator that operates in multiple WAEMU" countries to get an e-money license. The site uses Plausible analytics and publishes a toll-free support number promise ("Call our toll-free number for instant customer support") without showing a number.Source
  • 21

    Wave's sitemap holds 75 job pages, the largest part of its English site, and job seekers in each country read them closely. Each describes the mission but none invites the reader to use Wave.

    Medium impactLow effort First result in 1 month Head of Recruiting

    First action

    Add the block to the job template.

    How to measure it

    Clicks from job pages

    Now
    –
    Target
    500 a month
    By
    1 quarter

    Steps

    1. 1

      Write block

      Short copy.

      Digital Marketing Coordinator 1 hour

    2. 2

      Add to template

      Job pages.

      Web Engineer 1 hour

    3. 3

      Track

      Clicks.

      Digital Marketing Coordinator monthly

    4. 4

      Interview question

      Do you use Wave?

      Head of Recruiting ongoing

    5. 5

      Share learnings

      With marketing.

      Head of Recruiting quarterly

    6. 6

      Review

      Keep or drop.

      Digital Marketing Coordinator quarterly

    First result
    1 month
    Cost
    $0
    Owner
    Head of Recruiting

    Smallest test

    Add the line to one country's jobs.

    Why it works

    Add a short "Use Wave in [country]" block with the app link and country page to every job post, and ask candidates in interviews if they use Wave.

    Job seekers are local, curious and motivated; a few become users and ambassadors.

    Risks and how to handle them

    • Clutters job posts

      Keep it to one line at the end.

    Evidence

    • Your websiteSitemaps (English 202 URLs, French 110): 75 job pages and about 90 terms pages per bank partner and country (Senegal, Côte d'Ivoire, Mali, Burkina Faso, The Gambia, Guinea, Cameroon, DR Congo, Niger, Malawi, Sierra Leone, Uganda), but no country pages, no agent or biller pages; the blog has 14 posts, the newest from January 23, 2023; /en/testimonials/ is listed but returns an error page.Source
    • HiringWave's description in every job post: "We're making Africa the first cashless continent"; "Parents spend hours waiting in line to pay school fees in cash"; "In 2017, we launched a mobile app in Senegal"; "Now, we have millions of users across 9 countries". The board lists 74 open roles across Senegal, Côte d'Ivoire, Mali, Burkina Faso, The Gambia, Guinea, Cameroon, DR Congo, Niger, Malawi and Sierra Leone.Source
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See every playbook and website review

Independent research. Programmable wrote this playbook from public sources, as they stood on October 22, 2026, and cites them throughout. Wave did not commission, review or endorse it, and Programmable is not affiliated with Wave. Company and product names are trademarks of their owners, used only to identify them. The ideas are suggestions and opinion, not professional, legal or financial advice, and not statements about how Wave runs its business.

Something wrong, or do you represent Wave? Email [email protected] and we will correct it or take it down.

30/60/90 roadmap

What to focus on in each month, and the ideas that carry it.

  1. Days 1 to 307 ideas

    Country pages, titles and descriptions, local business fees, testimonials, tracked QR codes and a faster homepage; add the app line to job posts.

  2. Days 31 to 6011 ideas

    Distributor active-user pay, the first-month journey, agent and biller pages, merchant early warning, diaspora page, shared tracker, sponsorships, iPhone checkout and agent branding scores; restart the blog.

  3. Days 61 to 903 ideas

    Commit to the fee calculator, local-language support and school fees.

The research behind the plan

3 research areas, each summarised in a few lines. Open any of them for the full detail.

Customers

What customers say

Customers value free deposits and withdrawals. The most cited problem: high fees on older wallets.

  • Sending money for 1%
  • Queues to pay bills and school fees in cash
  • In their words: “simple, facile et efficace”

Market

Competitive landscape

5 competitors compared: Orange Money, MTN MoMo, Free Money, Moov Money and 1 more.

  • Gap to exploit: Free cash in and out with a flat low transfer fee
  • Orange Money: Historically higher transaction fees
  • MTN MoMo: Fee-based model

Hiring signals

Wave is scaling marketing and field growth country by country.

  • Digital Marketing Coordinator (Dakar): Digital campaigns and KPIs. Ideas 1, 2, 8, 11, 17.
  • Regional Lead (User Growth), Niger: Retain users recruited by field distributors. Ideas 7, 8.
  • User Growth Regional Lead, Sierra Leone: Active usage across transfers and bills. Ideas 1, 7.

From the team that wrote this playbook

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