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1. 1601 Connecticut Avenue NW, Suite 501, Washington, DC 20009 // Tel: (202) 518-6865 // Fax: (202) 986-4729 // www.gbfund.org
MOBILE TRANSACTIONS’ MISSION
To connect its customers to the mass
market using mobile technology and
a countrywide agent network.
Mobile Transactions Zambia
The Challenge
Cash and paper are the main sources of financial transactions in Africa. In
countries such as Zambia, over 80% of adult income -earning people are
unbanked and a further 50% are unconnected from modern communication
technology.
Mobile Transactions’ vision is of a cashless Africa, where organizations from all
sectors can transact with the unbanked mass market easily, quickly, and safely.
MT haschosen Zambia as a launch pad because of its favorable regulatory
environment, low banking penetration, and mild competition-- but hopes to
prove the model and expand throughout Sub- Saharan Africa.
Mobile Transactions’Solution
Mobile Transactions (MT) conn ects its customers to
the mass marketusing mobile technologyand a
countrywide agent network. Rather than focusing
on the end-user as a primary customer, MT targets
corporations, development sector organizations (i.e.
NGOs and donors), government agencies, and
microfinance institutions (MFIs). MT enables its
customers to transact with banked unbanked,
connected, and unconnected end- users easier,
quicker, safer, and more affordably.
What differentiates MT from its competitors is that
it provides end-to-end transaction solutions built
bottom-up for the African market.MT combines a
proprietary technology that provides solutions for our customers with an expansive network of agents that
reach the mass market. MT is also both bank and network agnostic, which means that its model can scale.
Mobile Transactions’ Partnership with GBF
TheGrassroots Business Fund gave MT early financing to prove the model and generate the revenue needed to
raise the next round of financing. MT has grown rapidly, and GBF is working closely with MT as the company
prepares for its follow- on round of equity funding. GBF is providing
direct business support to build MT’s financial management
capabilities and to develop its governance processes through a newly
formed Advisory Board.GBF is also providing legal assistance to help
streamline the company’s corporate structure.
Mobile Transactions Solution Provider
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2. 1601 Connecticut Avenue NW, Suite 501, Washington, DC 20009 // Tel: (202) 518-6865 // Fax: (202) 986-4729 // www.gbfund.org
MOBILE TRANSACTIONS’ IMPACT
For each $1 invested in MT, MT
generates $13 in social economic
impact for its agents.
With GBF’s as sistance, MT is planning to expand to other countries in Sub- Saharan Africa within the next three years.
Providing MT meets specific milestones and performance targets, GBF may invest additional funds to help the
company scale up and replicate its model.
Mobile Transactions’ Impact
MT is the fastest growing company in Zambia and one of the fastest in Africa.Since launching with its first
money transfer transaction on April 1, 2009, MT has achieved:
Over $2,000,000 per month in transaction value through our
system
Transaction gross profit of $40,000 per month
Over 200 agents in every region of Zambia
200,000 redeemed vouchers with the World Food Programme
25,000 redeemed vouchers with the Food and Agriculture Organisation
MT impacts three main stakeholder groups:
Organizational customersacross all sectors (corporate, government, social sector) benefit from
dramatically reduced transaction fees, improved controls, and critical management information to improve
programming.
Agentsearn incremental revenue in the form of commission on transaction fees and retail margin on
voucher redemptions.
Consumers benefitfrom reduced money transfer costs, increased security from an ability to store cash
electronically, and in the future new financial products and services that will be offered on MT’s platform.
$-
$200,000
$400,000
$600,000
$800,000
$1,000,000
$1,200,000
$1,400,000
$1,600,000
$1,800,000
$2,000,000
Jan -10 Feb -10 Mar -10 Apr -10 May -10 Jun -10 Jul-10 Aug -10 Sep -10
Transaction Value
Money Transfers Electronic Vouchers Banked Payments Unbanked Payments
$-
$5,000
$10,000
$15,000
$20,000
$25,000
$30,000
$35,000
$40,000
$45,000
Jan -10 Feb -10 Mar -10 Apr -10 May -10 Jun -10 Jul-10 Aug -10 Sep -10
Transaction Gross Profit
Money Transfers Electronic Vouchers Banked Payments Unbanked Payments
Mobile Transactions Solution Provider
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