BRIEF INTRODUCTION

[Example Only] PayLink Africa is a fictitious fintech startup designed for demonstration. Imagine a company providing a mobile-first payment platform that allows small Kenyan businesses to accept payments via M-Pesa, Airtel Money, and Visa in one dashboard.

PROBLEM AND SOLUTION

• Problem (Example): Small businesses in Kenya juggle multiple payment platforms and often lose money due to reconciliation errors.
• Solution (Example): A single dashboard that integrates mobile money, cards, and bank transfers with instant settlement and automated accounting.

PRODUCT / SERVICE DESCRIPTION

• Merchant app for Android/iOS (dummy)
• Web dashboard for invoicing and reconciliation (dummy)
• APIs for e-commerce integration (dummy)

BUSINESS MODEL

• Transaction fee (dummy: 1.5% per transaction)
• Monthly premium subscriptions for analytics and invoicing
• White-label solutions for cooperatives and saccos

MARKET

[Dummy Example] Kenya’s digital payments market exceeds KES 6 trillion annually (largely through M-Pesa). SMEs represent 80% of businesses but lack affordable solutions for integrated digital payments.

ACHIEVEMENTS SO FAR

HOW WE STAND OUT

• [Dummy] Unified dashboard for all payment types
• [Dummy] Simple mobile-first design
• [Dummy] Localized for Kenyan SMEs and saccos

USE OF MONEY AND SCHEDULE

• KES 6M – Product development & integrations
• KES 3M – Marketing and onboarding SMEs
• KES 1M – Customer support and training
(Example Schedule: 6 months development, 3 months pilot, launch in month 10)

PROMISES TO THE INVESTOR, PROFIT DISTRIBUTION

• [Dummy] Quarterly investor reports
• [Dummy] Target 5,000 SMEs onboarded in first year
• [Dummy] Break-even within 18 months

RISKS AND HEDGING

• Risk: Competition from large fintechs → Hedge: niche SME focus
• Risk: Regulatory changes → Hedge: proactive compliance with CBK