We power prosperity

Our innovative digital investment platform trains rural customers to invest profitably using digital money

Redefining Financial Services for the Underserved

We bank rural customers at the very last mile with a proprietary franchise model combining digital money technology and financial education

SmartMoney banks Africa’s rural unbanked. Our digital investment platform addresses the unique needs, challenges, and opportunities of rural inclusive finance.

Our platform combines high-touch localized financial literacy training with mobile savings and payments (digital money) to remove the many historically intractable barriers of understanding, affordability, access, and utility that prevent rural communities from investing in their own prosperity.

Our digital money service is free-to-consumers, easily exchangeable with cash, secure, and accessible via standard GSM phones.

Results show this innovative combination has the potential to increase household income for 750 million Africans living at the very last mile.

Tech + Education = Empowerment

We believe economic empowerment means having more income, we believe the path to more income starts with having investable savings

Across rural Africa, communities lack the understanding and tools necessary to increase economic prosperity.

Too often, the only source of desperately needed quick cash is high-interest micro-loans. Availability of financial education is limited and loan proceeds are typically consumed instead of invested. The result is no additional income, loan defaults, loss of collateral and a further fall into poverty.

To mitigate these effects we train rural households and businesses, mostly living below $3.20 per day, to save and invest in childhood education, farming, business and other income generating opportunities.

The result? 50% of SmartMoney customers invest an average 15% of their annual income in new income generation.