3.

Raise a Camel

Build for Sustainability and Resilience

Keith Davies, CFO of Zoona, was in a tricky spot.

Zoona’s iconic lime green booths dotted many African cities. The company was identifying locations, installing its purpose-built booths, and recruiting local micro-entrepreneurs to serve their communities. Zoona’s agent network offered its customers basic financial services, including money transfers, bill payments, savings, and loans. Keith, along with the three other founders, was committed to offering Zoona customers a high-quality, reliable service and driving financial inclusion along the way.

On the surface, the company was performing well. At the time, its agent network had just crossed more than one thousand booths and was serving ...

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