Umerma

Umerma helps first-time smartphone users — especially seniors — learn to use their phone with confidence. Most people learn digital skills by making mistakes. When those mistakes involve real money, they are expensive and frightening. Umerma removes that risk. Every transaction in this app is a practice simulation using fake money. Nothing you do here can affect a real account. Built by the Umerma Foundation, a Nepali nonprofit providing free education to seniors, youth and underserved communities. PRACTICE, DON'T PANIC Umerma includes hands-on simulations of the everyday tasks that intimidate new smartphone users: • Digital wallet — register an account, complete KYC, link a bank, set a PIN, send money, and read your transaction history • QR payments — scan a code, check the recipient, confirm the amount, and see your receipt • Phone calls — dial numbers, run USSD codes, and practise answering calls in the different ways real phones ask you to • Guided lessons — step-by-step walkthroughs you can repeat as often as you like LEARN AT YOUR OWN PACE Lessons are broken into short steps with clear instructions. Your progress is saved, so you can stop and come back. Repeat any lesson as many times as you need — nobody is watching, and there is no way to get it wrong. STAY SAFE ONLINE Safety tips inside the wallet simulation cover the scams that target new users: fake payment requests, PIN sharing, prize messages and impostor calls. Learn to recognise them here rather than in your bank account. PLAY WHILE YOU LEARN Five simple games build the touch skills that everything else depends on — tapping accurately, dragging, timing and matching. Designed for hands that are new to touchscreens. IN YOUR LANGUAGE Umerma is fully available in Nepali and English. Switch languages at any time from the app. BUILT FOR CONFIDENCE • Free, with no ads and no in-app purchases • Large, clear text and generous tap targets • Face ID sign-in so you never have to remember a password • Try it as a guest before creating an account Umerma Foundation's mission is to empower children and older adults through accessible education, digital literacy and everyday support. IMPORTANT All financial features in Umerma are training simulations. No real money is ever sent, received or stored. The app is not a bank, a payment provider or a wallet, and is not affiliated with any financial institution. Questions? umerma.org/contact