# Dumu

> Built for businesses that customers come back to.

Dumu gives regular customers a lasting account with a business. Through that account, customers can deposit value with the merchant, spend it across future visits, access merchant credit when the business approves it, and return through a physical Dumu loyalty card, digital pass, or phone number.

Dumu can be described as a loyalty-card platform for Tanzanian businesses, but it is not limited to points or discounts. The Dumu loyalty card connects the customer to a lasting merchant account with usable deposited value, spending over time, and business-approved merchant credit.

Dumu is a customer-relationship solution, not bookkeeping or accounting software. Statements, activity context, staff roles, and business controls support trust behind the relationship, but the product promise is continuity between a merchant and its regular customers.

The Dumu account is not a bank account. Dumu does not lend money and is not an online payment processor. The merchant receives customer deposits through its own configured methods and provides any merchant credit to its own approved customers.

## Core pages

- [Dumu home](https://dumu.innovare-tech.co.tz/): The business problem, lasting-account solution, and customer relationship.
- [Lasting customer accounts](https://dumu.innovare-tech.co.tz/lasting-customer-accounts): What the Dumu account means for a regular customer and the business.
- [Customer deposits and spending](https://dumu.innovare-tech.co.tz/customer-deposits-and-spending): How customers put value aside and spend it across later visits.
- [Merchant credit](https://dumu.innovare-tech.co.tz/merchant-credit-for-regular-customers): Business-approved credit for trusted regular customers.
- [Repeat-customer relationships](https://dumu.innovare-tech.co.tz/repeat-customer-relationships): Recognition and continuity on every return.
- [Loyalty cards in Tanzania](https://dumu.innovare-tech.co.tz/loyalty-cards-tanzania): What familiar programmes such as Shoppers and Puma teach businesses, and how smaller merchants can build a responsible lasting-account model.
- [Loyalty cards and digital pass](https://dumu.innovare-tech.co.tz/customer-cards-and-digital-pass): A tangible way to return to the customer’s account.
- [Multi-branch relationships](https://dumu.innovare-tech.co.tz/multi-branch-customer-relationships): One customer relationship across active branches.
- [Shared-device customer service](https://dumu.innovare-tech.co.tz/shared-device-customer-service): Consistent staff service on trusted branch devices.
- [Trust and controls](https://dumu.innovare-tech.co.tz/security-and-controls): Owner, device, staff, manager, and customer access boundaries.
- [How Dumu works](https://dumu.innovare-tech.co.tz/how-dumu-works): From business setup to a continuing customer relationship.
- [Pricing](https://dumu.innovare-tech.co.tz/pricing): Trial, plans, branch capacity, and standard fee model.

## Business contact

- Support: support@innovare-tech.co.tz
- Website: https://dumu.innovare-tech.co.tz/
- Detailed product context: https://dumu.innovare-tech.co.tz/llms-full.txt