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Finance and Economics
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Mobile Money in Africa: Transfer market
非洲的資金流轉：轉賬市場
Crowded field, different player.
行業飽和，新人登場。
With her phone in one hand and a live chicken in the other, Brenda Deeomba comes for her money.
Brenda Deeomba一只手拿著手機，另一只手抓著一只雞，來取她的錢。
Her husband is a builder in Lusaka, the Zambian capital, and sends his wages home through Zoona, a money-transfer company.
她的丈夫是贊比亞首都盧薩卡的建筑工人，他通過一家名為Zoona的轉賬公司把工資送到家里。
She receives them at a roadside booth in Chongwe, a nearby town, using a PIN number sent to her phone.
她只用一個發送到她手機的PIN碼，就可以在鄰近城鎮Chongwe里的一個路邊貨攤收到她的錢了。
It is a safe way to get the money, says Ms Deeomba, above muffled squawks.
Ms Deeomba悶悶不樂地說到，這至少是一個安全的取錢方式。
Money-transfer businesses are proliferating in Africa.
非洲的轉賬業務正在激增。
But Zoona is unusual.
但是Zoona卻是非同尋常的。
Unlike M-PESA, the best-known, in Kenya, it is not run by a phone company.
不像在肯尼亞最有名的M-PESA，它并不是通過電話公司運營的。
Nor is it owned by a bank.
它也不歸銀行所有。
Instead, Zoona has built a business from scratch.
相反，Zoona白手起家成立了一項業務。
It processed $200m in transactions last year and bubbles with ambition: Mike Quinn, its (Canadian) chief executive, talks of reaching 1bn customers.
去年它在交易中擁有2億美元，并充了野心：其（加拿大的）首席執行官Mike Quinn談到要達到10億客戶。
Zoona was founded in Zambia in 2009 by two brothers, Brad and Brett Magrath.
Zoona是由布拉德和布雷特麥格拉斯（Brad and Brett Magrath）這兩個兄弟于2009年在贊比亞成立。
As a startup, they were at a disadvantage, having to recruit their own agents.
作為一個新興公司，他們曾處于不利地位，不得不招募他們自己的代理人。
Zoona did so by seeing them as its core customers, giving them credit and training to set up their own franchises.
Zoona這樣做是通過把這些代理看作其核心客戶，并給予他們信用和建立自己經營權的培訓。
Some are impressively successful.
一些還尤為成功。
考研英語時事閱讀
