2018. 4. 20.
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:
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.
L-PESA TOKEN L-Pesa 토큰은 보유자가 L-Pesa 재정 도구를 저렴한 비용으로 사용할 수있게 해주는 Ethereum 블록 체인을 기반으로합니다.
PLATFORM L-Pesa는 아프리카와 아시아의 소비자 및 중소기업에 새로운 금융 도구를 제공하는 금융 기술 플랫폼입니다.
MICROLOANS L-Pesa 플랫폼의 첫 번째 도구 인 Microloans를 통해 사용자는 사업을 시작하거나 성장 시키거나 교육비를 지불하거나 인생의 야망을 지원할 수 있습니다.
2016 - Tanzania Operation Launch
2017 - Launch of Kenya Operation
2018 - Launch of Uganda Operation
2018 - Launch of India Operation
검증 됨 94%
주의. 확인되지 않은 회원은 실제로 팀원이 아닌 위험이 있습니다.
$23 300 000
$27 800 000
검증 됨 100%
$83 157 330
$44 009 956
$21 262 845
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