The family of Utiba Products includes the following products:

U:Choose
This product enables secure SMS, USSD, Web and SOAP based multi-level top-up of pre-paid accounts. It incorporates an unlimited hierarchy of sales channels with internal work flow and reporting. U:Choose gives the operator the ability to control the channel commission and sales pricing, remove vouchers, rapidly expand distribution and lower the top up denomination. The result is a lower cost of sales, attraction of new customers and increased customer and channel loyalty.

U:Choose has the following optional products

Distributor Portal
Distributor Portal - Web based access for Distributors and Dealers, the ability for agents to access reports plus additional Workflow to allow stock ordering from the down-line agent to its up-line agent.

Corporate Portal
The corporate portal allows a corporation to establish its own internal people to set up a hierarchy to match their own mobile users. For example a company that has 4 sales geographical areas, each with 4 sales district managers and each with 10 salespeople. Each person can have a unique top up schedule automated or manual. This can be managed securely by the corporation

AirDirect
AirDirect leverages Utiba's banking expertise to enable direct re-charge of a subscribers account through the linkage of a various payment instruments. These could include Debit, Credit Cards or other Stored Value Cards. AirDirect supports multiple channels to give the subscriber a wide array of top-up channels, including Web, POS, ATMs, SMS, STK, USSD and others.

U:Share
This allows a person to ship pre-paid value from their IN balance to another person in the same network or another operator network. Operators can charge a fee based on a percentage or fixed fee of the amount transferred. This is debited against the recipient. This product also allows Person to Person sale of pre-paid value from one family member to other friends and family.

U:Trust
U:Trust revolutionises mobile payments in emerging economies. Primarily targeted at consumers who do not have bank accounts, operator and banks can leverage U:Trust as a new and simple way to make the mobile phone a transaction gateway. U:Trust allows consumer to put cash into their wallets and get cash out of wallets using a highly divers and expansive distribution network. Subscribers can use U:Trust to transfer value to another person and to pay for goods and services.

U:Bank
Utiba's mobile banking suite provides mobile banking for subscribers using WAP, SIM Microbrowser, USSD, STK and Java. It allows Operators to act as a gateway for multiple banks and supports connections to bank hosts including ISO8583, Jetco and others.

U:Offer
U:Offer is a strategic sales and marketing weapon that allows operators and service providers to combine services and create marketing bundles in real time. These may be from different parts of the organisations own services offerings, such as Voice, data, broadband, corporate and from external providers and content sources or merchants. Using a GUI interface this allows the marketing department to combine bundles and packages to create new packages and constantly keep competitors on the back foot. It also allows timely response any threats. Pricing models, revenue sharing and reporting are all managed in the system.

U:Rewards
Customer Loyalty programs are an important aspect of running a profitable telecommunications operation. Utiba believes that it is rapidly becoming a mandatory 'tool' in an increasingly competitive market.

With an industry average churn rate in the range of 10% - 20% it is easy to see why the cost of acquiring new customers is so high. It has been estimated that the world wide cost of customer churn is approximately US$40 billion in terms of lost revenue and wasted acquisition costs.

The U:Rewards solution has been designed specifically for telecommunications operators and service providers. It uses the concept of programs that can be assigned to a particular service, including Mobile, Calling Card, Residential or Internet, and can be targeted at various market segments such as professionals, teenagers or senior citizens.

Programs can be time limited and set up to specify conditions on participation. Rewards can be structured so the benefits can only be claimed that are defined for the specific program.