MoneyCircle is a cashless mobile payment platform that uses mobile devices as point of sale devices to make digital payments. The application is owned by Earnings Inc., a finance technology start-up in Zimbabwe that will disrupt the incumbent financial systems.

1. Shaping the future of global commerce to create
convenience by revolutionizing financial services.
Money Circle

2. Introduction
MoneyCircle is a cashless and paperless digital mobile payments mobile application that makes every
smartphone a point of sale devise to promote the use of digital money to help solve the cash crisis and
liquidity crisis in Zimbabwe
Transfers
Savings
Deposits
Transfers

3. Application Will Offer
The application will be used as a mobile payment
platform, embedded with Point of Sale functionality
to promote the use of digital money.

4. The Problem
• Liquidity crisis and cash shortages
• High banking charges
• Incumbent Financial Systems
• financial exclusion.

5. The Solution
• Mobile Point of Sale app to make digital
payments.
• The app replaces swiping by introducing
a new experience through the use of
mobile application.
• Users can request, send money, make
payments to MoneyCircle registered
Merchants.
• Every user will be a merchant and will
have a unique merchant code number.
• Increase process efficiency and
convenience

6. FINTECH SECTOR INFORMAL SECTOR

7. Customer Segment
Unbanked Population
76%
• Unbanked people (75% of adult
population in Zimbabwe).
• University Students
• Vendors
• Informal Market

8. Business Model
• MoneyCircle operates on a fee-for-service model.
• It will receive revenue from facilitation fees (2% per
transaction)
• MoneyCircle will operate on a product leadership model to offer
new experience in mobile payments.

9. Revenue Streams
REVENUE
STREAMS
Mobile Payments
Fee
Facilitation Fees

10. Financial Statements and Budget
YEAR 2016 2017 2018
USERS 50 000 250 000 500 000
NUMBER OF TRANSACTIONS 300 000 3 000 000 6 000 000
Revenue $12 000.00 $120 000.00 $240 000.00
Operating expenses ( Marketing &
Administrative Costs)
$4 000.00 $52 000.00 $60 000.00
Profit $8 000.00 $68 000.00 $180 000.00
REQUIRED FUNDING
Computer Equipment $ 3 500.00
Marketing $ 3 000.00
Other Start-Up Costs $ 2 500.00
Total Required Costs $ 9 000.00

11. THANK YOU