The M SYSTEM™ also includes a domestic payments/remittance module, which enables partner banks to provide payment services to the large and untapped/un-banked or under-banked domestic customers. The Bank account penetration per population is extremely low in Africa, with the formal banking sector excluding large chunks of the domestic population in the "cash economy". The inclusion of the Domestic Payments Module gives M SYSTEM™ Partner Banks a competitive advantage by enabling them to provide "entry level" banking services to un-banked and under-banked clients.