Jump to content
Advertise your business on Top Gold Forum today for as low as $100 per month. Contact us.
Sign in to follow this  
Emmanuel

coin L-PESA MICRO-FINANCE

Recommended Posts

 

L-pesa - http://kriptonofafrica.com


L-Pesa is a financial technology platform providing new financial tools to consumers and small business in Africa and Asia. We allow people to create opportunities for themselves and their families. Borrowers on the L-Pesa platform use funds to start or grow a business, pay for education or otherwise support their ambition in life. Using a dedicated token on the blockchain means that all investors can benefit from the capital gain caused by the network effect. The coins are finite in supply, and as L-Pesa expands people can pay back their loans with the coins. People will also be able to use to LPK buy goods and services.

About L-pesa
L-Pesa Microfinance is a fintech startup poised to take advantage of the fast-growing need for financial services in the developing world. The company has validated its operating model over the past 18 months and has built sophisticated technology, automating most of the operation. Its primary barrier to growth at this point is its ability to fund user acquisition and loans.

The loss ratio on loans runs below 10% while return on loans is
approximately 25%.

The idea for L-Pesa was incubated for a decade, and the business was launched at the time four important market forces converged to allow scaling:

Big Data, Artificial Intelligence & Blockchain
Alternative Credit Data
Mobile Technology
Biometric Identity
L-Pesa has harnessed these market forces and built technology and a proprietary credit scoring model that allows it to quickly scale microlending in developing countries while keeping loss ratios below 10%. The solution is highly automated, allowing a small back office team to support high volume loan origination. All loans are serviced by L-Pesa.

Ron Ezra Tuval, the founder and managing director of L-Pesa, has extensive experience in the developing world, primarily related to technologies-related agriculture and tourism projects. Ron first came across microfinance in South East Asia and spent a decade incubating the idea of L-Pesa while waiting for the required technology to mature. Ron has built a strong and diverse team for L-Pesa with in-country managers operating in Tanzania, Kenya, and Uganda, and a development team in India. There is also a back office team in Tanzania, Kenya, and Uganda handling background checks, credit approvals and customer service. The technology, marketing, and accounting teams operate on a virtual model and consist of experienced staff based in Europe, USA, and India.

L-Pesa has a strong focus on automation. 95% of the user acquisition and loan underwriting process is automated and therefore extremely scalable. The company has spent two years developing its customer-facing and back office systems using a team of seven software developers. The user 832754982.1 4
experience is based on mobile and web interfaces, and marketing is primarily handled via social media and SMS-based marketing.
L-Pesa’s technology stack is built on top of Amazon Web Services, an extremely scalable on-demand cloud computing platform which has been or is used by major brands such as Netflix, Airbnb, Pinterest, and Spotify.

L-Pesa has integrated a number of third party applications to perform tasks such as SMS messaging, user verification, and marketing. Funds transfers are handled via integrations with mobile money service providers such as M-Pesa, Tigo Pesa, and MTN.

L-Pesa has issued over 35,000 loans since going live in March 2016. Over 160,000 users have registered based on social marketing campaigns run on a minimal budget. The marketing strategy has been refined over the past 18 months, and L-Pesa is now prepared to launch marketing campaigns via SMS and social media with a conservatively projected customer acquisition cost of
$1.00.

The founder of L-Pesa, has invested approximately $500,000 to date. The business was launched in Tanzania in 2016 and in Kenya in August 2017.

Soft launches are underway in Uganda and India. The company’s technology is stable, scalable, proven, and will support the company’s growth plans. At this point, L-Pesa has hit a growth barrier—there is not enough capital available to lend to everyone interested, and the potential for user acquisition is almost unlimited, but requires capital for marketing expenses and support staff. The company is now raising funds to take advantage of its
leading position, strong platform, and nearly unlimited opportunity to extend financial options to a large portion of the earth’s population. 
READ FULL DETAILS FROM WHITEPAPER - https://kriptonofafrica.com/static/pdfs/L-Pesa ICO white paper 2018.pdf
GET FULL UNDERSTANDING FROM BLOG SITE AND HOW IT WORKS - https://blog.l-pesa.com/
http://l-pesa.com/tz/pages/how-it-works
BEGIN NOW AND JOIN THE FUTURE OF MICROFINANCE - https://ico.lpesa.io/
YOU CAN JOIN OUR TELEGRAM GROUPS - https://t.me/kriptonsocialexchange -The First Social Crypto Exchange And Also - https://t.me/LpesaICO

 

 

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

Sign in to follow this  

  • Popular Contributors

  • Similar Content

    • By KYCbench
      Based on the in house designed Vguard Protocol, KYCbench has developed a GUI friendly and cryptographically secure KYC platform to verify sensitive KYC data for ICO whitelists and non blockchain enterprises wanting to improve on their existing regulatory compliant KYC processing procedures. KYCbench is built to fulfil the requirements of the GDPR and to comply to ISO27001 in handling and storing personal data for ICO whitelisting. For non blockchain related companies where other regulatory requirements apply, KYCbench works with each client to establish a tailored and customized solution which would allow their own KYC processing requirements to be applied with a state of the art KYC processing platform.
      The project was launched to solve a number of problems. The majority of ICOs currently exist in unregulated obscurity. In the past, ICOs have collected personal data in breach of regulatory requirements. ICO teams could inadvertently be exposed to legal liabilities of 20,000,000 EURO?s and potentially even criminal proceedings for processing KYC/AML data not in accordance with ALL the requirements of the GDPR.

      On the other hand, investors/end users, may find the process of continually being requested to submit their KYC information to prospective ICO investments bothersome, and also a risky practice.

      See full article here: https://www.kycbench.com/kycbench-tier-1-banking-institution-kycaml-solution/
      KYCbench, your reliable KYC partner
      www.kycbench.com
      GDPR & ISO/IEC 27001:2013 compliant

      Please contact KYCbench today, the most reliable ID verification processor at: [email protected]

      Join our Telegram Groups:

      KYCBench Announcement
      KYCBench Community
    • By cryzprty
      Cryptolux.io-review
        Today we are going to review a new cryptocurrency company called Cryptolux. Check our review if you are curious and you want to know more about Cryptolux.
      ………..SİGN UP: https://goo.gl/Atr5aG………
      What Is Cryptolux?
      Cryptolux is the name of a financial network in which you can make payments and transactions by using the blockchain technology. This platform was created for independent users and it promises to offer fast and secure transactions for you by using the blockchain technology to create a decentralized and self-regulated environment.
      The system created by this company enables the creation of a full payment system which will be transparent and anonymous because all the transaction will be public but the name of the people who made the transactions will all remain anonymous.
      The company has decided to make an Initial Coin Offering (ICO) to get the funds for launching the platform. The ICO will have a total of 7 million tokens sold (from the limited supply of 42 million tokens, which was chosen to prevent inflation and to valorize the ICO).
      Cryptolux states that it is impossible to hack its network due to the decentralization of the company provided by the blockchain technology. The company also uses many security protocols to ensure that no confidential information of its clients can ever be stolen.
      How Does Cryptolux Lending & Trading To Earn Cryptos Work?
      Basically, Cryptolux is a financial platform which works using the decentralized technology of the blockchain to enable its users to use cryptocurrency to make payments all over the world. Not only the decentralization protects the user but it also enables Cryptolux to have minimum transaction fees, which are paid to the people who validate the transactions.
      The platform uses a proof-of-stake method, which means that you will be able to stake your tokens. Staking means that you can use your tokens to validate transactions and you can profit from this. The more coins you stake, the more profit you get.
      The technology used in the construction of this platform also enables Cryptolux to be faster than many other companies that you can find in the financial market. Your transactions can be made in a couple of seconds.
      By using Cryptolux you will be able to have a personalized Cryptolux Debit Card which you can use to spend your tokens whenever you want. You can purchase for a value equivalent of $15 and you can even withdraw up to $3,000 USD anywhere in the world daily using this card or, in case you want to use it for a payment, you can use up to $10,000 USD.
      This platform will soon be supported on both Android and iOS smartphones. The final release of Cryplux is scheduled for 2018.
       
      How To Invest In CryptoLux CLX ICO Details
      If you want to invest in Cryptolux, you have to participate in the Initial Coin Offering. The pre-ICO will begin on March 25 and only 50,000 people can register to participate, so you should be quick if you want to pay the best prices for this cryptocurrency.
      Another way to get tokens is by participating in the Affiliate Challenge. It’s going to work like this: if you get more referrals than the other people, you win. The first place will get 5000 free CLX tokens, the second place will earn 2500 CLX tokens and the third will get 1000 CLX tokens completely free of any type of charge.
      Cryptolux Verdict
      Is the Cryptolux a great platform for you or should you pick another one? That can be hard to say because the company is actually pretty OK and it looks like it has its heart and its business all in the right place, but there also some downsides that you have to acknowledge before you can safely invest in a company like Cryptolux.
      The major problem with this company is that Cryptolux does absolutely nothing new. If you look well enough, you can probably find another company which will offer the exact same service to you and it will be better. Why choose Cryptolux then? That is the whole problem of investing in this company, it is just too unoriginal to be a great investment despite being actually a “good” company.
      Because of this issues, you should take your time and maybe research some other companies on our blog before you take you final decision to invest in Cryptolux. Thinking twice is always a good idea in the cryptocurrency marketand in this case you have plenty of time to do it, so it can be a good idea.
    • By Andrei Nik

      https://jsecoin.com
      The main feature of jsecoin is that now each browser and website will be able to get cryptocurrency!
      There are two types of a mining - 1 mining in the browser on the website jsecoin - 2 mining on the website.
      And is so more detailed about everyone:
      BROWSER MINING
      You press the Mining button, further Start Mining!The tab of a mining has to be always active, otherwise the speed and earnings falls to a minimum.You can stop and start a mining at any time and change the processor capacities allocated for a mining.
      WEBSITE MINING
      The system will generate to you a special script which needs to be established on the website.While visitors look through your website you will earn some reward.
      Coins of JSE can be stored either on their website or on ERC 20 wallet.
      I consider the big future at this project! Also I advise all to receive jsecoin coin because it is absolutely free!
      If have decided here LINK :
      https://platform.jsecoin.com/?lander=4&utm_source=referral&utm_campaign=aff19203&utm_content=
    • By amitm5003
      https://bitcoinandstock.com
      Plan 1: 5% DAILY FOR 7DAYS
      Plan 2: 7% DAILY FOR 7DAYS
      Plan 3: 10% DAILY FOR 7DAYS
      Min Deposit:$5
    • By amitm5003
      Join the webinar and ask anything! FOR ONLY $1 DOLLAR!
      Go to :www.cryptoinvesting.site
  • Topics

×