WAVE – Transfert d’Argent scores 76.8 out of 100 in the APS from Cassuarina Labs, placing the app in the Strong Zone in Côte d’Ivoire. The result signals a positive overall experience among respondents, with a clear foundation for loyalty and recommendation.
The survey results show that 75.8% of respondents selected “Love It,” followed by 11.4% choosing “Like It.” At the other end, 5.2% were “Disappointed,” 2.0% “Very disappointed,” and 5.6% “Frustrated.” Enthusiasm dominates the distribution, although a smaller group still encounters an experience that falls short of expectations.
The separately reported Fans and Critics indicators stand at 75.8% and 7.6%, respectively. The product challenge is to understand what separates enthusiastic respondents from those experiencing friction. Identifying where dissatisfaction begins—and whether it concerns access, transactions or support—would help turn these results into focused improvements. The scores establish the strength of sentiment; the qualitative responses are needed to explain its causes.
Requests for stronger transaction safeguards sit alongside that enthusiasm. Respondents want recipient-name confirmation, greater control over QR debits and more privacy for savings balances. Others describe difficulties managing saved bill-payment accounts, accessing accounts or understanding promotional rewards.
The product lesson is concrete: preserve the ease that makes routine transactions attractive while giving people clearer confirmation and control whenever their money is at stake.
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APS RANKING: # 5
APS Score: 76.8
APS Performance Tier: STRONG
High satisfaction and engagement. Users show overall loyalty and recommendability.
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Security and privacy concerns: Respondents request stronger QR-payment authorization, recipient-name confirmation and hidden savings balances. These are reported concerns, not verified security vulnerabilities.
Access and connectivity friction: Comments describe missing verification SMS messages, forgotten-code lockouts, update difficulties and dependence on internet access.
Limited account and payment controls: Changing an account name or deleting saved utility-payment numbers proves difficult for some respondents; one also reports delayed Canal+ activation after payment.
Gaps in desired features: Requests include mobile bundles, loans, stricter savings locks and dark mode, alongside country-specific requests for virtual cards.
Disappointment with rewards and charges: Some respondents question promotional payouts, report disappearing bonuses or object to transaction fees.
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Simple, accessible navigation: Respondents describe an interface that is easy to learn, including for people with limited digital familiarity.
Fast money transfers: Speed and convenience feature prominently in comments about sending and receiving funds.
Affordable cash transactions: Respondents specifically appreciate deposits and withdrawals they describe as free of charge.
Useful everyday payments: Bill payments, airtime purchases and online payments help respondents handle several routine needs within one app.
Responsive assistance in a reported case: One respondent says customer support immediately acted on a mistaken-transfer request, illustrating the value of accessible help.
Source:
BANKING & FINTECH APPS IN COTE D’IVOIRE - USER EXPERIENCE & SATISFACTION SURVEY (2026.09)