Transforming Lives Through Financial Inclusion

www.mfs.co.ke

COMPANY PROFILE

Contents

03 About Us

05 Sta� Profile

08 Our Products

09 Our Services

Customer Segments 1 1

1 3 MFS’ Moonshot

"Our mission is to economically empower and transform the lives of millions of people across Africa."

MFS is a Fintech company with a passion for “Trans-forming Lives Through Financial Inclusion". We are a market leader in the mobile lending space, having began our journey with Banks and SACCOs in 2014. Since then, MFS has transformed itself into an inte-grated financial services entity, helping to grow the lives of millions of micro-entreprenuers across Africa.

MFS is obsessed with creating solutions that have a deep, positive and meaningful impact on peoples’ every day lives. We are driven by a burning desire to be innovators in our chosen field, and by our unshaka-ble belief that “Financial Inclusion For All” is a right, and not a privilege. Our mission is to economically empower and transform the lives of millions of people across Africa.

ABOUTM F S L I M I T E D

WHO WE ARE OUR VALUES

WHY CHOOSE US

OUR MISSION STATEMENT

Innovative

In order to adapt to new business conditions, we must think big, we must dive deep, we must be flexi-ble and we must be futuristic.

Passionate

We have a bias for action and approach everything with fire in our belly, we never give up on doing what we believe is right.

We focus on building partner-ships and strategic alliances

Team-work

We believe that ownership breeds teamwork and we believe teamwork enables ordinary people to achieve extraordinary things.

Results Oriented

We hire and develop the best so as to uphold the highest stand-ards of integrity and honesty in delivering on our commitments.

Customer Obsession

The interest of our customers is our first priority.

M F SL I M I T E D

T R A N S F O R M I N G L I V E S T H R O U G HF I N A N C I A L I N C L U S I O N

Our high-performance technolo-gy is designed to be agnostic, agile and cost e�ective

SaaS and IaaS remains core to our strategy

Flexibility and innovation ensure that we always deliver a di�eren-tiated experience.

Our partners’ needs and aspira-tions drive our passion and sense of purpose.

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*SaaS: Software as a Service*IaaS: Infrastructure as a Service

MFS is a young family of passionate and multi-talented individuals with diverse skills and competencies. Our culture of teamwork, innovation and continuous learning is at the core of building and nurturing strong and meaningful partnersips.

Things don’t just happen by themselves; people make things happen. We are deeply invested in everything that we do, so we think widely and diversely. We don’t just believe in our ethos and culture, we live and breath it every day of our lives.

STAFFPROFILE

“MFS is obsessed with creating solutions that have a deep, positive,

and meaningful impact on peoples’ everyday

lives.

Financial inclusion lies at the very

heart of MFS. We are at the forefront

of transforming lives by providing

affordable and convenient financial

services to the bottom of the

pyramid, with the ultimate goal of

becoming Africa’s leading Fintech in

the Consumer, Retail and Agricultural

supply chains

At MFS, we are part of the global

technological convergence taking

place between Data Science, IoT,

Artificial Intelligence and Machine

Learning. Through research and

innovation, we focus on leveraging

big data to develop world class

financial services to accelerate

financial inclusion throughout the

African continent.

MFS works with budding entrepre-

neurs in the retail, agri and consum-

er space, helping them to realize

financial independence. Where

many see challenges, we see

potential solutions. If we can grow

these businesses sustainably, then

we will have played our part in

rewriting Africa’s economic success

story.

Operational excellence is at the heart

of MFS. We ensure high customer

satisfaction by upholding efficient

and effective service delivery. We

provide 1st line and 2nd line support

to our business partners and are on

call 24 hours a day to ensure

maximum transaction flow at all

times.

MFS boasts of young, energetic and

innovative engineers with a passion

to always be ahead of the game. Our

unmatched talent and passion for

constant learning drives us to create

solutions that empower and enrich

the daily lives of our partners and

clients.

MFS continuously enhances its

technical capabilities and

capacity, providing our clients

with best-in-class enterprise

grade solutions, whilst

maintaining unbeatable product

uptime. Confidentiality, Integrity

and Availability are our top most

priorities.

FRED MICHUKI

Managing Director

EPHANTUS GITHINJI

Head of Research and Innovation

DAVID WARUINGE

Head of Business Development

LILIAN KIPLANG’AT

Head of Operations

MIKE NJONGE

Head of Engineering

DAVID NDAMBUKI

Head of Infrastructure and Security

Mobiloan

Mobiloan is our flagship, mobile-based micro-lending product. We provide access to financing through a process beginning with a credit assessment based on certain data sets. Mobiloan provides loans metrics on approvals and declines, disbursements, reconciliations and recoveries.

Cloud Credit

Cloud Credit is our cloud-based Software as a Service (SaaS). We enable SACCOs that are devoid of investment capital for front and back-end banking platforms to simply PLUG IN to our cloud-based solu-tion. Members are able to save and apply for loans, and move funds across accounts and similar micro finance institutions.

Data Hosting & Security

MFS maintains its own data centre with su�cient storage space and redundancies to ensure that your information is kept secure and available for use at any time. We o�er an easy-to-use pay-as-you-go storage, archive and back-up solution, with guaranteed availability of up to 99.9%

Premium Rate Service Provider (PRSP)

MFS’ PRSP services allow you to monetize your content and communication to your clients, using your own sender ID. Our reliable gateways allow you to reach your clients instantly via bulk sms, and obtain feed-back via two-way interactive SMS short-code.

Cluster Financing

MFS researches on markets needs and trends, identifying patterns that lead to clusters, which in turn indicate a need for short-term, working capital. The model ties farming, manufacturing, retail and finance onto one platform, bringing the benefits of financial inclusion to millions of people. An example of existing clusters include digital drivers, small-holder farmers, mama mboga’s, kiosk owners, and many others.

OUR PRODUCTSMFS is obsessed with creating solutions that have a deep, positive and meaningful

impact on peoples’ every day lives.

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OUR SERVICES

Technology

We build superior technology and are proud of it! Mobiloan, which is our flagship mobile savings and lending platform, has helped to dispense billions of Kenya Shillings in loans to millions of Kenyans in all sectors of the micro-economy. Our Software Engineering, Research and Innovation and Business Development teams work together to deliver custom-made solutions to you.

Financial Services

We o�er financial services tailored to provide capital to those who have been overlooked by the formal banking sector. Using our dynamic credit-scoring engine called Mobiscore, MFS is able to decipher patterns within an individual's behavior through data provided by our strategic partners. As a result, ordinary individuals are now able to qualify for credit to empower themselves.

Big Data & Networks

MFS is passionate about "Transforming Lives Through Financial Inclusion". Using Big Data, we work with our strategic partners to connect the dots towards achieving our purpose. Our methodical approach to unlocking every day working capital challenges has enabled millions of individuals at the bottom of the "pyramid" to propel their entrepreneurial dreams to the next level.

Payments

MFS is an ambitious company with ambitious goals. Our unshakeable mantra is the message of financial inclusion across the African continent, striking partnerships with payment providers to deliver solutions to our clients. It is our goal to connect Mobiloan to the rest of Africa through a multi-faceted payments value-propo-sition. Watch this space!

E commerce

MFS prides itself in being at the forefront of Agri-eCommerce in Africa. We understand the fundamentals of the Agri and retail supply chain, from soil to kiosk. The small-holder farmer in Rift Valley and the Mama Mboga in Eastlands also yearn to prosper and grow; MFS is slowly helping them both to achieve their dreams.

"We custom-fit the right solution for you"

"We first want to understand your needs"

"Financial Inclusion for all is a right, not a privilege"

"Providing payments solutions across Africa"

“From soil to retail, we can finance it!”

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SEGMENTSW E S E R V E

T R A N S F O R M I N G L I V E S T H R O U G HF I N A N C I A L I N C L U S I O N

FMCGAGRI

BANKS

SACCOsMNOs

MFIs

RETAIL

(Fast Moving Consumer Goods)

(Mobile NetworkOperators)

(Micro Finance Institutions)

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This is a sample text

"We choose to go to the moon. We choose to go to the moon in this

decade and do the other things, not because they are easy, but because

they are hard, because that goal will serve to organize and measure the

best of our energies and skills, because that challenge is one that we are

willing to accept, one we are unwilling to postpone, and one which we

intend to win, and the others, too."

President John Kennedy's Rice Stadium Moon Speech, September 12th, 1962

MFS’ MOONSHOTOur Mission is to economically empower

and transform the lives of millions

of people across Africa

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www.mfs.co.ke

info@mfs.co.ke

0709184000

Capital West Bui lding,

6th Floor, Lantana Road,

o� Rhapta Road,

Westlands.