Our Vision

Building profitable & impactful partnerships

  • Focusing on the informal market, we develop and incubate digital financial solutions by leveraging our combined expertise in digital / mobile financial services strategy, business development, strategic partnerships, product development, data analytics and strategic implementation for ourselves and with Partners.
  • With the goal of developing financially self-sustainable products with a positive social impact by collaborating with partners to create scalable ecosystems.

Our Team

A complementary skill-set focused on agency and data:


Andrew Milne

Partnerships & Commercials

Andrew has in-depth, cross-functional business experience in mobile financial services (payments, savings, credit and micro insurance) as well as in Mobile Healthcare (mHealth). With over 18 years of experience in Strategy, Business Development, Distribution, Operations Management, Product Development gained through working in multiple emerging markets for and with: Hello Doctor; MMI International; Zoona; MTN; Vodacom; M-Shwari; Telkomsel; TransferTo; Flash; Mukuru; Western Union; DusuPay; Letshego Group; and FINCA


Samuel Brawerman

Innovation & Agency Design

Sam has extensive experience in Digital Financial Services having managed Tigo Cash DRC and launched Orange Money in Uganda. At Zoona Sam was in charge optimizing the agents’ economics.

As General Manager of Tigo Cash DRC, he redefined the entire strategy and internal organization. Focused the strategy on building a financially sustainable and scalable distribution network of 5000+ active agents resulting in the growth of the Gross Margin from ca. 2% to ca. 39% and leading Tigo Cash to be market leader in terms of active users.


Morne van der Westhuizen


Morne set up the global data Analytics function at Zoona from scratch, building it up to a team of 10 that become core to the company’s functioning – and drove a data centric culture in the organization.

Over the last 6 years, he was heavily involved in data and business intelligence consulting, and was responsible for setting up data environments for the biggest insurers in South Africa. He has extensive Sub Saharan African Financial and product experience in Banking, MNO and Credit sectors that operate in more than 10 countries.


Jared Worley


Jared has extensive on the ground experience working the past five years in Rwanda, Zambia, Malawi, and Mozambique in the financial inclusion industry. He led Zoona’s new country expansion into Malawi where in less than three years in-country operations went EBIDTA positive with over 550 daily active trading agents. In 2013 Jared moved on to design and develop Zoona’s agent training program building daily agent activity rates to over 95%. In 2012 he worked to design and implement a Microfinance student lending product at Urwego Opportunity Bank in Kigali, Rwanda.


Charles Fourie


Charles has over 10 years of experience in business intelligence, implementing and maintaining BI environments across multiple industries. The majority of work has been in banking, insurance and other financial services. Over the past few years he has worked for Zoona, developing their data and BI environments to provide actionable insights to the users. This included analysis, performance management and revenue projection of the agent network.