Minggu, 29 April 2018

L-Pesa


What is L-Pesa?

L-Pesa Microfinance is a startup fintech that is ready to take advantage of the financial services needs in developing countries quickly. The company has validated its operating model over the last 24 months and has built sophisticated technology, automating most operations. The main obstacle to growth at the moment is its ability to fund user acquisitions and loans. Ratio of losses on loans goes below 10% while loan repayments are around 25%.
The idea for L-Pesa was incubated for a decade, and business was launched at that time four important market forces gathered to allow scaling:
> Great Data, Artificial Intelligence & Blockchain
> Alternative Credit Data
> Mobile Technology
> Biometric identity
L-Pesa has leveraged this market power and built proprietary credit technology and modeling models that enable it to microlend quickly in developing countries while maintaining a loss ratio below 10%. The solution is highly automated, allowing a small back office team to support high volume loan origination. All loans are serviced by L-Pesa.
L-Pesa has a strong focus on automation. 95% of the acquisition process and automated user acquisition and underwriting are therefore highly measurable. The company has spent two years developing a customer-facing system and back office system using a team of seven software developers. The user experience is based on mobile and web interface, and marketing is mainly done through social media and SMS.
The L-Pesa technology stack builds on Amazon Web Services, a highly scalable on-demand cloud computing platform that has or has been used by major brands such as Netflix, Airbnb, Pinterest, and Spotify. L-Pesa has integrated a number of third-party applications to perform tasks such as SMS messaging, user verification, and marketing. Fund transfers are handled through integration with mobile money service providers such as M-Pesa, Airtel Money, Tigo Pesa, and MTN.
L-Pesa has issued over 38,000 loans since it aired in March 2016. More than 170,000 users have signed up based on social marketing campaigns with a minimum budget. The marketing strategy has been refined over the past 24 months, and L-Pesa is now ready to launch a marketing campaign via SMS and social media at a conservative projected $ 1.00 projected customer cost.

Solutions offered

LPESA presents a new microfinance model based on the latest technology and serves each of us on an equal footing basis. They are concerned about providing access to credit and other related microfinance services to people in developing countries. They have designed a financing model based on four pillars.
The first pillar is Big Data, AI and Blockchain technology. Under this pillar there is a huge amount of data and analysis, which will help lend to the people who need it most. Utilizing blockchain technology, the model will be safe, reliable and fast. The second pillar of the LPESA microfinance model is Alternative Credit Data, collected from various social media and other websites on the internet.
LPESA has developed a proprietary credit rating model based on user behavior. The third pillar for the model is mobile technology because in recent years mobile adoption has increased in developing countries. Utilizing mobile technology to offer banking services to the public is the most affordable path on the market today. Many companies offer services on mobile phones to increase their customer base.

Network Effects:

L-Pesa is not a charity. L-Pesa purely business. Being a business gives us certain freedoms not owned by a charity. As a business, we must provide returns. In facilitating microfinance, we must be very efficient; costs for
making a $ 1000 loan equal to $ 100, and because operating costs, banks and financial institutions are limited to how low they can go. Blockchain brings transparency and efficiency, and drastically reduces operational costs, making the small loans work. Tokens are transitionally more efficient than fiat, so tokens are more attractive to
target markets of L-Pesa, and they also help in building communities and creating network effects.
We have done it with fiat as an existing operation; blockchain will allow us to expand our reach and lower our costs. The cost of bank financing does not allow us to reach the people who need it most. Expanding operations by extending reach will enable us to make the facilities available to people who can not be served by banks or microcredit providers because they are considered "unprofitable"
L-Pesa was founded with a vision to improve people's lives through efficient access to credit and related financial services. Ron Ezra Tuval, founder of L-Pesa, has spent most of his career working in developing countries and admits about a decade ago that the most effective way to improve people's lives is through access to credit and related financial services. Since establishing L-Pesa, Ron has focused on achieving this vision. It's about making the world a better place for everyone. L-Pesa began offering microfinance services in Tanzania in 2016 and has expanded its service offerings and geographic footprint with increasing speed in pursuing this vision.

Details of ICO for L-Pesa

The token name associated with the L-Pesa platform is 'KRIPTON'. The tokens symbol is 'LPK'. The total token supply will be 2,600,000,000 LPK. Hard hat for token id $ 52 million. The token that will be accepted to buy the LPK is Bitcoin and Ethereum. Initially, the price of 1 LPK token was 0.01 USD. The pre-sale of LPK is from March 18, 2018 to April 1, 2018.

Tokenc allocation



Team


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