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Products in production, not slideware

Three platforms that show how JVM Solutions works: money that has to balance to the cent, public services that have to reach everyone, and journeys that cannot be delayed.

Govtech · Revenue collection

LGA Pay

A digital revenue and payment platform for local government — turning manual, leak-prone collection into traceable, real-time income.

Web platform Mobile app Payment integrations Dashboards
The challenge

Revenue you cannot see

Manual collection means paper receipts, cash in transit, reconciliation weeks after the fact and no reliable picture of what was actually owed versus what arrived. Leakage is invisible until the numbers are far too late to act on.

What we built

An end-to-end collection platform

Payer registry, assessment and billing, multi-channel payment, instant digital receipting, and an officer app for field collection — all feeding a single reconciled ledger and live dashboards.

The result

Traceable income, in real time

Every payment carries a verifiable receipt and an audit trail. Leadership sees collections by revenue stream, ward and officer as they happen, and reconciliation becomes a report rather than a project.

Inside the platform

  • Payer & property registry — a single source of truth for who owes what.
  • Multi-channel payment — mobile money, bank transfer, card and agent collection.
  • Instant digital receipting — verifiable by reference, no forged paper.
  • Automated reconciliation — settlement matched against the ledger daily.
  • Role-based access & audit trails — every action attributable.
When the money is traceable, trust follows.
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LGA Pay Digital revenue collection for local government
Digital public services · Community

E-Mtaa

A digital neighbourhood. E-Mtaa brings local services, payments and communication into a single app the whole community can actually use.

Mobile-first Service requests In-app payments Notifications
The challenge

Local services are still analogue

Reporting a problem, paying for a service or reaching a local office usually means a physical queue, a phone number nobody answers, or a notice board you have to walk past to read.

What we built

The neighbourhood in your pocket

A light, mobile-first app where residents find services, raise and track requests, pay securely, and receive official notices — with a back office where local officials respond and publish.

The result

A two-way channel that works

Residents get answers and receipts instead of queues. Officials get a structured, prioritised queue of requests instead of scattered calls, and a record of what was resolved.

Designed for real conditions

  • Light on data — every screen budgeted for expensive, slow connections.
  • Works on entry-level phones — the majority of the people it serves.
  • Plain-language interface — usable without a tutorial or a smartphone habit.
  • Location-aware — services and notices relevant to where you actually live.
A community works better when it is one tap wide.
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E-Mtaa Local services, payments and communication in one app
Transport · Telematics

SmartBlizz

The Vtelematics ticketing solution — a smart ticketing platform that connects the seat sold to the vehicle carrying it.

Digital ticketing Boarding validation Fleet telematics Operator reporting
The challenge

The till and the fleet never talk

Cash fares, paper tickets and separate tracking systems leave operators guessing: which trips are profitable, how full a vehicle really was, and how much of the fare made it back to the office.

What we built

Ticketing wired into telematics

Digital booking and payment, seat and trip management, crew validation at boarding, and a control room view that ties every ticket to the vehicle and the journey it belongs to.

The result

Trip-level truth

Operators see revenue and occupancy per trip, per route and per vehicle. Passengers pay before they board and carry a ticket that can be verified in seconds.

What the platform does

  • Book & pay digitally — no cash handling on the vehicle.
  • Validate at boarding — scan-and-go, with duplicate detection.
  • Schedules & seat management — routes, trips and capacity in one place.
  • Fleet telematics — vehicle position and activity alongside the sales data.
  • Operator reporting — revenue, load factor and performance by route.
Every seat accounted for, every trip explained.
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SmartBlizz Smart ticketing for Vtelematics

The through-line

Different sectors, the same engineering discipline

Each of these platforms handles money, serves people who cannot be asked to try again later, and has to be defensible under audit.

Payments

Integrated, receipted and reconciled — never a black box.

Accountability

Audit trails and role-based access on every sensitive action.

Accessibility

Built for modest devices, slow networks and first-time users.

Operations

Monitored, supported and improved long after go-live.

Your platform could be the next one on this page.

Bring us the problem — collections, service delivery, ticketing or something we have not seen yet. We will show you what a working version looks like.