Mobile Money in Africa: Transfer market
Crowded field, different player.
With her phone in one hand and a live chicken in the other, Brenda Deeomba comes for her money.
Her husband is a builder in Lusaka, the Zambian capital, and sends his wages home through Zoona, a money-transfer company.
She receives them at a roadside booth in Chongwe, a nearby town, using a PIN number sent to her phone.
It is a safe way to get the money, says Ms Deeomba, above muffled squawks.
Money-transfer businesses are proliferating in Africa.
But Zoona is unusual.
Unlike M-PESA, the best-known, in Kenya, it is not run by a phone company.
Nor is it owned by a bank.
Instead, Zoona has built a business from scratch.
It processed $200m in transactions last year and bubbles with ambition: Mike Quinn, its (Canadian) chief executive, talks of reaching 1bn customers.
Zoona was founded in Zambia in 2009 by two brothers, Brad and Brett Magrath.
Zoona是由布拉德和布雷特麦格拉斯（Brad and Brett Magrath）这两个兄弟于2009年在赞比亚成立。
As a startup, they were at a disadvantage, having to recruit their own agents.
Zoona did so by seeing them as its core customers, giving them credit and training to set up their own franchises.
Some are impressively successful.