In central Lusaka, Misozi Mkandawire presides over an empire of kiosks.I
1. In central Peking, Mr.Zhang presides over a mini-supermarket.
She started with Zoona while at college(直接+时间状语).Her profits can now reach 50,000 kwacha ($5,200) a month. That is exceptional.Last year the average agent made $548 in monthly commission, before costs.
1. supermarket‘s profits reach 3thousand a day.
Globally, nearly half of mobile-money agents have not processed a transaction for a month; 97% of Zoona agents do so every day.
The right location helps.Zoona puts its lime-green booths in canny places, like markets, bus stations and even a hospital.
They are often flanked by booths for Airtel and MTN, two phone companies offering similar services.
Zoona is not the cheapest—the sender pays about 10% on small transactions—but competes on coverage and reliability for example, ensuring its agents have
enough float to cash large amounts. Last year Zoona raised(筹集到) $15m from investors.
Its outlets now dot streets in Malawi and Mozambique, and it has plans for the Democratic Republic of Congo.
Such “third-party” operators are also thrivingelsewhere: Wari, in Senegal, is not just competing with phone companies, but buying one.
In most places mobile giants and a few banks still dominate, but maybe not for ever.