One Moja is a virtual distribution network of approximately 1 million private payroll customers. This allows for marketing, origination and collection of financial products offered.
The private payroll market is not currently the main focus of any of the financial service providers and therefore these employees are underserved and do not have products readily available to them.
We provide the customer base with instant access to affordable financial products without the need to travel. The virtual solution also removes the high costs involved in requiring a physical distribution network.
Any of the virtual financial products offered are marketed and issued directly to this network, and payments are securely collected from the employers.
We have designed a business model which benefits all role players involved to ensure it is sustainable. Only if the service provider, private companies and the employees benefit together, will a model in this market become sustainable.