Mobile telephony has been at the forefront of growth in Lesotho’s ICT sector, and there has been sustained and ongoing investment in the country’s communications infrastructure, wireless and fibre networks, data centres and switches. These developments are complemented by service centres and hotspots at schools and community centres, where internet and broadband facilities are being made available even in the most remote areas of the country. However, Lesotho’s topography, together with the low population densities in the mountain regions, continues to present a challenge to making universal access a reality, and therefore, by extension, preparing Basotho to participate fully in the digital future.
According to the Central Bank of Lesotho (CBL) in its latest annual report, the positive performance of Lesotho’s services sector during 2016 was strongly supported by the Information and Communication subsector, where technological advancements and new products, particularly in the mobile phone industry, continued to drive growth. The CBL’s Economic Outlook 2016-2018 predicts that the subsector will continue to benefit from the ongoing enhancement of telecommunications products, including increased coverage of internet services and the rapid expansion of mobile money services by mobile operators. It is predicted that real growth in the subsector will reach a projected 12.6 percent in 2017 and 12.7 percent in 2018.
Current government initiatives
The Ministry of Communications, Science and Technology plans to install a fast, safe and reliable platform for all government telecommunications and internet services. This will allow government ministries, private businesses and individual citizens to develop a meaningful and significant web presence. E-government services, where Basotho can access educational materials, health and consultative services, and apply for enrolment in schools and tertiary institutions, are set to become a reality in the near future.
Launched in 2014, the E-Government Infrastructure Project is co-funded by the Lesotho Government and the African Development Bank (AfDB). It has four main components; namely, strengthening of core government network infrastructure, strengthening of data centres, improvement of the government e-portal, and skills development. Activities completed during 2017 include the construction of five towers – located at Senqunyane in Mokhotlong, Likhoele in Mafeteng, Ha Ts’ilo in Maseru, Malimong in Berea and Thamathu in Qacha’s Nek – as well as the renovation of a video conferencing centre and construction of a data centre in Mohale’s Hoek. The project is expected to wind up in 2018.
The Ministry’s medium term priority areas include:
- Construction of an office complex to house the Department of Broadcasting, including broadcasting studios, an administration block and recording studios
- Reorganising the structure of Postal Services and the Lesotho National Broadcasting Services from being full Government entities to corporations, each with a board of directors, in order to promote the free flow of high quality information through competitive and accessible platforms
- Enhancement of good governance by the deployment of a modern and secure e-government broadband infrastructure
The 2017/18 development budget of M120 million covers projects such as: the PostBank recapitalisation initiative; transformation of broadcasting services; construction of the broadcasting building; the Data Network Project; and the E-Government Infrastructure Project.
The importance of the internet in promoting Lesotho as a business and tourism destination cannot be overemphasised.
REGULATION & COMPETITION
The Lesotho Communications Authority (amendment) Act of 2008 broadened the Lesotho Telecommunications Authority Act of 2000 to include electronic media. The communications sector, which now encompasses telecommunications, broadcasting, radio frequency and postal services, is regulated by the Lesotho Communications Authority (LCA).
The LCA’s main objective is to facilitate new entries into the communications market and the provision of new services, including converged communications services, while promoting Lesotho’s participation in the global information society. Its mandate covers issuing licences to operators, promoting fair competition, approving tariffs, managing the radio frequency spectrum, empowering and protecting consumers, and type-approving terminal equipment. The authority also cooperates with the Independent Communications Authority of South Africa (ICASA) in regulating telecommunications and broadcasting, particularly with regard to controlling signal spill-over between the two countries.
One of the authority’s prime tasks is to promote a competitive telecommunications market through appropriate regulatory interventions, while creating opportunities for all Basotho to benefit from the ICT revolution. This is being undertaken with the overall strategic objective of ensuring the delivery of a universal, affordable and high-quality service which includes rural areas and low-income subscribers.
The Communications Policy of 2008 established the framework for regulating the telecommunications, broadcasting and postal sectors, in line with the Southern African Development Community (SADC) Protocol on Transport, Communications and Meteorology. Its primary aims are to:
- Strengthen the regulatory capacity of the LCA
- Reflect and promote the convergence of services and networks based on the internet
- Foster universal access to a diverse range of high-quality communications services at affordable prices, including advanced networks, in order to enable Lesotho to participate in the global information society
- Promote a competitive communications market, which entails facilitating the cooperative deployment and sharing of infrastructure while promoting service-based competition
Replacing the Lesotho Telecommunications Act of 1979 and the Post Office Act of 1979, the Communications Act of 2012 came into effect in April 2012. The act introduced reforms to the broadcasting industry as well as providing for the independence of the Lesotho National Broadcasting Services (LNBS) and the postal services. Licensing Fees and Classifications Rules were published in 2013.
One of the principal functions of the Communications Act is to regulate the granting of licenses by ensuring that qualifying operators give the public access to a ‘diverse range of broadcasting services’. This covers a wide spectrum of broadcasters – public, private, commercial and community – who are in turn expected to offer a varied range of broadcast content, including news, sports, entertainment, religious, educational and cultural programming.
The Radio Frequency Spectrum Management Policy of 2014, which replaced the Radio Frequency Spectrum Policy of 2008, cleared the way for the application and deployment of innovative technological developments, especially those that enable and extend broadband uptake in Lesotho. In this respect, the LCA Board has extended the use of Industrial, Scientific and Medical (ISM) frequencies beyond wireless Local Area Networks (LANs) and hotspots to incorporate wireless mesh networks.
Universal service and access
Lesotho’s Universal Access Strategy was developed in 2001, and its present mandate is to ensure that all citizens have access to communications services; namely: telephony, broadband, broadcasting and basic postal services. The Universal Access Fund (UAF) was established in 2009 with seed capital of M10 million, and receives 25 percent of the revenue raised by the LCA (its parent body) and 1 percent of the annual Net Operating Income (NOI) of each of the main network operators. Its name has been changed to the Universal Service Fund (USF) to reflect the emphasis on service over access, in line with the 2012 Communications Act.
The greatest demand since 2009 has been for voice services. However, Government policy is presently directed towards broadband in order to improve the welfare of citizens. As mobile broadband and mobile voice are implemented using the same basic infrastructure, extending mobile broadband infrastructure to unserved areas will equally meet the need for access to voice services across the country.
Since its inception, the Fund has provided voice services through 48 GSM network infrastructure projects comprising 51 base transceiver stations. This infrastructure has benefited at least 125 000 people in about 800 villages throughout Lesotho. In addition to mobile network expansion, which includes mobile broadband, the Fund is also committed to the development of broadband – particularly in the education sector – where both access and usage are targeted.
To expand the mobile network to unserved and underserved areas, Government is investing in the roll-out of at least two base transceiver stations per year.
The USF’s Strategic Business Plan (SBP) for the three-year period covering 2017/18 to 2019/20 is based on the mandate of the Fund as expressed in the Communications Policy of 2008 and the Communications Act of 2012. Further, it takes into account Lesotho Vision 2020, which sets out the strategic framework for the country, and the National Strategic Development Plan (NSDP) 2013-2016/17. It is also aligned with the LCA Strategic Business Plan 2016/17–2018/19.
This plan is also informed by commitments that the Government has as a member of SADC and the United Nations (UN). In 2015, at a meeting of SADC ICT Ministers in Namibia, the Government of Lesotho agreed to the following targets for broadband:
- Coverage – 80 percent of the population of each SADC Member State to be covered by broadband services by 2020
- Access and use in schools – Broadband connections and usage to all primary and tertiary schools to allow e-learning by 2020
- Access and use in health centres – Broadband connections and usage to 70 percent of health facilities to allow e-health by 2020
- Access and use in government agencies – Broadband connections and usage to all public
- sector agencies to allow for e-governance by 2020
- Access and use in households – Broadband connections to 50 percent of the SADC Member State households by 2020
- Affordability – Broadband services should not cost more than 5 percent of national average disposable monthly income by 2020
In addition to the SADC targets for broadband, the Government of Lesotho has adopted the UN’s Sustainable Development Goals (SDGs). While none of the SDGs specifically points to ICTs, their attainment depends on ICT to varying degrees. The plan acknowledges these targets, but will not be aiming to meet them due to their wide scope which goes beyond the mandate and resources of the Fund.
The focus for the next three years will be on promoting access to broadband for communities and parts of society that have had no access to date. The need for subsidies to expand mobile networks remains, in order to provide coverage to underserved and unserved areas. The Fund will be exploring access gaps in basic postal services as well as broadcasting services, and will work with the relevant parties to develop effective interventions.
Lesotho and the rest of the African continent have seen robust growth in the telecommunications sector in the past several years, primarily because of the exceptional performance of the mobile sector and wireless technology. The Communications Sector Liberalisation Framework states that there will be no quotas set for the number of participants in any service. All existing network operators as well as specified classes of Internet Service Providers (ISPs) are allowed to operate international gateways and voice and data services are fully liberalised.
The LCA estimates that over 90 percent of residential areas in the country have mobile network coverage. Furthermore, almost 80 percent of Basotho own mobile phones, and subscriptions to mobile services stand at 160 percent.
Telecommunications services in Lesotho are managed by the privatised national operator, Econet Telecom Lesotho (ETL), with mobile telephony provided by ETL and South Africa-based Vodacom. Vodacom Lesotho (VCL) was launched in 1996, followed by Econet Ezi-Cel (EEC) in 2002, with the latter a subsidiary of the national fixed-line operator. In 2008, with the controlling interest in both EEC and Telecom Lesotho passing to the Econet Group, the two were merged to form the current Econet Telecom Lesotho (ETL). Both operators have launched 4G LTE services, which address the relative scarcity of fixed line connections in the country through the provision of high-speed mobile internet.
Econet Telecom Lesotho and Vodacom Lesotho offer mobile money services, which have not only provided instant, convenient and cost-effective remittance corridors, but also put financial services within reach of the unbanked and under-banked sectors of the population.
Broadband is an area that requires particular focus because of the potential it has to contribute to socioeconomic development and job creation. However, while 90 percent of the country has mobile broadband coverage, the 2016 Population and Housing Census found that 67.5 percent of citizens had never used the internet, 57.1 percent did not know what the internet was, and 49.3 percent did not own a device for accessing the internet. Furthermore, 40 percent of those who did use the internet indicated that their usage was limited by the fact that it is too expensive, and 20.7 percent were limited by the slow speed of their internet connection.
These findings tally with those of the State of ICT in Lesotho (2016) report, which found that in addition to issues such as lack of devices like smartphones, tablets or computers, the main reason for people not using the internet was an absence of digital literacy. Other obstacles include lack of access to energy sources for charging devices, not to mention critical factors such as the cost of devices and affordability of services. Due to high levels of poverty, broadband services remain unaffordable for the majority of the population.
In the 2017/18 to 2019/20 period, the Universal Service Fund aims to assist at least 150 High Schools to access broadband connectivity, and will support digital literacy training for teachers in all schools provided with a broadband connection. In addition, limited public Wi-Fi access will be provided in designated areas (initially one per district). Content and relevant applications will also be developed, along with backbone infrastructure in USF projects.
A minimum of 3G coverage is stipulated for new mobile network expansion projects, and priority areas will be upgraded to 3G or 4G under the USF. In order to achieve true broadband, some areas also require improvements in the backhaul, including migrating from microwave to optical fibre. The Fund will further make provision for incentivising the roll-out of fixed backbone infrastructure where there is a sound business case for such.
The Lesotho National Development Corporation (LNDC) is currently seeking an infrastructure investor for the Lesotho National Broadband Network (NBN) Initiative, to partner with the LNDC (as anchor investors) and telecommunications service providers. The intention is to develop a shared telecommunications infrastructure company in which both parastatal and private sector players could collaborate on telecommunications infrastructure spending to achieve better results. This will make the most of capital investment by avoiding duplication of infrastructure and maximising coverage, thereby encouraging service providers to compete – based on service offerings and not infrastructure ownership – to drive economic development and job creation.
The scope of the NBN encompasses the consolidation of available telecommunications infrastructure and expanding the base to make it available on an Open Access, non-discriminatory and uniform pricing basis to a large number of service providers. To ensure international communications price efficiency, it is proposed to consolidate multiple international capacity links into the NBN. An integral part to the NBN business plan includes the deployment of additional ICT infrastructure in the form of an ICT City, inclusive of data centre and call centre infrastructure, to stimulate bandwidth demand. It is envisaged that the project cost will be some US $150 million.
Econet Telecom Lesotho
After years of significant capital investment, Econet Telecom Lesotho is proud to offer a full range of telecommunication services to Lesotho on state-of-the-art fixed and mobile networks. It provides standalone or converged voice and broadband solutions on these networks, to individuals, corporates, NGOs, SMEs and governmental institutions, with products ranging from fixed lines to leased lines and fibre-to-the-building broadband, mobile voice and ISP hosting services. Econet has roaming partners in most countries across the world.
The M6 million deal between Econet and the Lesotho Premier Soccer League (PSL), proclaiming Econet the new PSL sponsor from 2017 to 2020, is the biggest soccer deal ever made in the history of soccer in the Mountain Kingdom.
In the past few years, ETL has launched a number of services which have connectivity at their base, but which assist the customer beyond connectivity. Chief amongst these is the mobile money service, EcoCash, which is a simple and convenient way of transferring money to other mobile users, purchasing airtime, and paying utility bills and merchants. This service permits ETL customers to make payments via their mobile phones without handling cash or going to a bank to withdraw money. Furthermore, EcoCash customers can receive money from their families and friends in the United Kingdom through www.worldremit.com. While the EcoCash service is useful for ETL customers who have bank accounts, it is invaluable for the unbanked, who would otherwise lack access to financial services.
Econet has and continues to invest heavily on upgrading its network with fibre optic cables. Rapid internet access is vital for the future of the country, whether for business, leisure or the education and development of the youth. No technology can yet match the strength, power and low cost of internet connectivity via fibre. Fibre connectivity together with the upgrades which have been made to the network’s 3G mobile capability, means that Econet is able to offer Basotho high speed data connectivity at affordable prices.
Econet products are available in all 16 Econet-owned stores located in district centres countrywide, including the following in the Maseru district: Pioneer and Maseru malls, as well as the LNDC office complex along Kingsway Road and in the middle of the bus stop area on the corner of Pitso Ground Stadium. Other strategic locations in Maseru include Abia and Roma.
Other services offered with connectivity at their base are EcoSure and Connected Car, with additional services planned. EcoSure is a funeral insurance policy designed for prepaid mobile phone customers between the ages of 18 and 65, which is offered by ETL in partnership with the Lesotho National Insurance Group (LNIG). Connected Car offers fleet management services.
Econet Media, a subsidiary of Econet Group Limited, has launched Kwesé TV, Africa’s newest multi-platform Pay TV network. The bouquet includes live sports, news, children’s programmes and family entertainment, which is offered to Basotho at home and on their mobiles.
In 2017, Econet and the Lesotho Premier Soccer League (PSL) signed a M6 million, three-year deal declaring Econet the new brand name sponsor of the PSL from 2017 to 2020. The biggest soccer deal ever made in the history of soccer in the Mountain Kingdom, the sponsorship package amounts to
M2 million per annum. The league champions will walk away with M500 000, while the rest of the 14 teams will share M1.5 million according to their ranking in the league.
Other mobile services
Vodacom Lesotho (VCL) is owned by the Vodacom Group (80 percent) and local Sekha-Metsi Consortium (20 percent). VCL has been operating in Lesotho since 1996, and has over the past 21 years invested more than M1.3 billion in technology and communications infrastructure in the country. This solid distribution network has made VCL Lesotho’s leading operator, with a market share of 90.9 percent and a customer base of 1.468 million in the year ending March 2017 – 4.9 percent up on the previous year. Minutes of Use (MOU) per month has also risen over the same period, from 75 to 82, representing an increase of 9.3 percent.
Vodacom Lesotho’s network is equipped with more than 300 base stations, 86 of which are powered through a combination of solar and wind.
A quarter of Vodacom Lesotho’s cell phone network is powered by ‘green’ base stations which use energy saving technologies such as wind and solar power to help reduce carbon emissions.
Total coverage (including 2G) currently stands at 97.6 percent, while 95 percent of the country is covered by 3G and 69 percent by 4G. The company continues to invest in the network, increasing 3G and 4G sites while stepping up its fibre roll-out.
VCL products include voice, data and SMS services, in addition to offerings such as the mobile money platform M-Pesa, whose customer base grew by 76.8 percent in the year to March 2017. Vodacom plans to migrate the legacy M-Pesa platform to the new ‘G2’ Vodafone financial services platform, a move which will enable improved system stability and security, while enhancing flexibility in the roll-out of new products and services.
The company is also involved in developing healthcare, education and entrepreneurship through the Vodacom Lesotho Foundation, which is mandated to invest in critical areas of development. In 2015, the Foundation launched its business incubation hub – Vodacom Innovation Park (VIP) – a technology-based business incubator for young entrepreneurs in Lesotho looking to leverage the power of technology and mobile communications to differentiate and make their businesses more competitive and productive. In 2017, VCL invested M3 million to support 12 entrepreneurs through a 12-week incubator programme.
Vodacom iSchool is a multi-year project that delivers educational tablets to five primary schools in four districts. The tablets contain approved curriculum and relevant teaching material, from lesson plans and classroom exercises to homework and homework help sections.
In the area of health, VCL’s Moyo Lesotho project is investing over M100 million into the country’s health system over three years, with the aim of putting HIV positive children and pregnant women on life-saving treatment as well as improving maternal health outcomes for Basotho. A text-to-treatment model is being used to get more HIV-positive pregnant women and children onto effective treatment programmes, with M-Pesa facilitating patients’ transport.
BROADCASTING & MASS MEDIA
The broadcasting industry is dominated by private and commercial broadcasting, with both electronic and print media represented in the form of private radio and television stations and independent newspapers. The difference between broadcasting and telecommunications is accounted for in the Communications Act of 2012, which established four categories of broadcasters: public service, community, private and commercial, with each category differing according to ownership, purpose and coverage requirements.
Lesotho has 21 radio broadcasters and three television broadcasters. Most of these services are concentrated in the urban areas or lowlands, while rural areas have either one or two broadcast services or no coverage at all of terrestrial television or radio. Constraints to accessing television broadcasting include the cost of equipment and satellite television subscriptions, not to mention a lack of electricity. The State of ICT in Lesotho (2016) report found that 29.5 percent of households had a working television set, and 52.8 percent of households had a functional radio. Based on the 2016 census, the penetration of television sets in rural households is 14.5 percent.
There is a pressing need to develop an enabling policy as well as institutional and regulatory frameworks to facilitate broader coverage of both television and radio. At present there is a lot of infrastructure duplication, resulting in limited national coverage. A more economical approach is one that makes use of a distributor that serves the whole country, and issues licences with universality obligations for signal coverage. Content and language diversity is another issue which needs to be addressed.
Government is presently supporting efforts to evolve Radio Lesotho and Lesotho Television from state broadcasters into national broadcasters, with the emphasis on equitable, fair and unbiased broadcasting. This change in operating culture will coincide with an investment in new equipment and broadcasting technologies. M20 million will be invested during the 2017/18 financial year in sourcing local content for radio and television. Further, a programme of investment over the next three years intends to foster the emergence of local production houses that can harness the country’s home-grown talent, supported by local content licensing.
Reform within Lesotho’s broadcasting sector is seeing state broadcasting being transformed into public service broadcasting.
The Lesotho News Agency (LENA) was established in 1985 as a national news agency responsible for the distribution of local, regional, and international news services to local and international media organisations, institutions and individuals. Today it provides its services by utilising Information Technology as an effective method of distributing both news and pictures from within the country and around the world. Services include news, sports events, business and economic news and feature articles by reporters across the country. Daily news feeds are available to LENA subscribers online, and are updated regularly throughout the day.
Ongoing initiatives to foster the development of the sector include the corporatisation of the Lesotho National Broadcasting Service (LNBS), deployment of transmission infrastructure throughout the country, adoption of a transparent and non-discriminatory regime for the regulation of content, and promotion of internet-based ‘new media’ services. While the Lesotho Communications Policy of 2008 already makes allowance for these remedies, primary and secondary legislation is required to implement them. The LNBS is required to grant all licensed broadcasters access to its transmission infrastructure under reasonable and non-discriminatory terms, and is licensing new market participants to increase competition in the sector.
The Media Institute of Southern Africa (MISA) Lesotho is a non-governmental, non-profit making, member-driven organisation that seeks to promote freedom of expression, media freedom, media diversity, independence and pluralism in Lesotho. MISA endeavours to uplift the standards of journalism in Lesotho and facilitate the economic self-sufficiency of the country’s independent media services.
Radio and television services
Radio Lesotho, which was established in 1964, produces, among others, talk shows on current affairs as well as educational programmes. Radio Lesotho’s commercial channel, ‘The Ultimate 99.8fm’, was launched in 2006 and targets listeners aged 16 to 45, broadcasting interactive, youth-oriented programmes as well as news flashes in English across seven districts. Radio Lesotho has the widest geographic reach, although it does not cover the entire country. There was only one national radio station in Lesotho until 1999, when Government issued licenses for other privately-owned radio stations.
Lesotho currently has three television stations. Lesotho Television (LTV) was established in 1988 with funding from M-Net, the owners of MultiChoice, and handed over to government in 2002. The station covers the whole country with satellite transmission and about 60 percent through terrestrial transmission. Programming covers newscasts in Sesotho and English, sports, current events, music, cultural and children’s shows, including several locally produced programmes. Content is 80 percent Sesotho and 20 percent English, and the development of local broadcasting content is encouraged.
Satellite connectivity exists for Radio Lesotho, Ultimate FM and LTV following an agreement entered into with MultiChoice which allows these broadcasters to be accessed countrywide as well as outside Lesotho’s borders on DStv. In addition, South African television networks are available in Lesotho, as are satellite links to other broadcasters.
Multi-platform broadcasting television network Kwesé TV network was launched in May 2017.
Lesotho joined 12 other African countries where Kwesé has been launched, comprising Botswana, Ethiopia, Ghana, Kenya, Malawi, Namibia, Nigeria, Rwanda, Swaziland, Tanzania, Uganda and Zambia. The Kwesé bouquet comes standard with over 60 channels, including six free-to-air channels that include news, sports, religious channels, and the Kwesé informative channel.
Lesotho’s print media has a long history, with publications like the fortnightly ‘Leselinyana La Lesotho’ (Little Light of Lesotho), which is published by the Lesotho Evangelical Church, and the weekly ‘Moeletsi oa Basotho’, produced by the Roman Catholic Church, both established back in the late 1800s. Today there is a variety of independent newspapers, such as the Lesotho Times, as well as small publications, periodicals and newsletters, in addition to the state-owned newspapers falling under the Lesotho News Agency (LENA). Weekly papers include Lentsoe la Basotho (Voice of Basotho), Sunday Express, Public Eye, Mopheme (The Survivor), Mosotho and Maseru Metro.
A number of newspapers may also be found online, including the national news agency, LENA, which appears on the Lesotho government website, and independent news sources such as the Lesotho Times, Public Eye and Informative.
Some international publishers, such as Macmillan and Pearson, are represented in Lesotho. Educational materials for local school curricula are also published under Longman and Heinemann, imprints of Pearson. Business Advertising and Marketing Media are one of Lesotho’s main publishing companies, established in 2009. The company produces a variety of products including newspapers, magazines, books and newsletters. Local publishers include Mazenod Printing Works; Morija Sesuto Book Depot; St Michael’s Mission and the Government Printer. Low levels of investment in this sector have negatively affected the growth of the printing and publishing industry, and the majority of printing jobs are undertaken outside Lesotho.
The Lesotho Post Office (LPO) comprises a network of 47 post offices across Lesotho offering services such as letter mail (local and international), Express Mail Services (EMS) and electronic money transfer. Other products include post box management, parcel post, bulk mail, philately, postal orders, EcoCash (mobile money transfers) and DStv payments. While the LPO has historically operated under the Ministry of Communications, Science and Technology, the Integrated Postal Reform and Development Plan proposed by the Universal Postal Union (UPU) would see it transformed from a state agency into an independent corporation.
The LCA has been developing a regulatory framework for the postal sector, based on a market study that was conducted as part of the reform process in this area. The aim is to designate the universal postal service operator and define the basic services subject to universality, with mobile technology presenting a clear opportunity for postal services to be made accessible to all citizens. This involves identifying ‘reserved’ postal services that will not be subject to competition, as well as establishing a framework for the provision of non-reserved postal services – such as express mail, bulk mail and larger package shipping – by private sector participants. In order to open up the sector to competition and increase choices for consumers as well as ensure access to global express mail networks, the LPO is required to provide new entrants with access to its delivery routes and post offices.
In the context of meeting specified universal service commitments, the LPO is focusing on developing new convergent services which make use of the internet and e-mail.
The LPO and Lesotho PostBank (LPB) are strategic partners, with the post office providing space in its branches which the LPB utilises to serve the un-banked population. There are currently 14 PostBank branches and ten ATMs across the country.