ZOA TECH seeks to digitise entrepreneurs’ payments while offering them value in managing finances and empowering them to earn money by lending their own. This helps their customers increase operational efficiency, reduce overhead costs and boost revenue growth. ZOA provides access to facilities through digital services, enhancing entrepreneurial activity. There are over 3 million people in Kenya and 800 million people on the African continent who do not have convenient access to loan facilities, digital payments or financial management tools, creating plenty of demand for such services.