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In central Lusaka, Misozi Mkandawire presides over an empire of kiosks.
在盧薩卡中心，Misozi Mkandawire 管理一家大型售貨亭。
She started with Zoona while at college.
她在大學時就在Zoona開始做了。
Her profits can now reach 50,000 kwacha ($5,200) a month.
她的收益現在可達每月5萬克瓦查（5200美元）。
That is exceptional.
這是一個特例。
Last year the average agent made $548 in monthly commission, before costs.
去年平均每個代理在去除成本之前，每月的傭金只有548美元。
Globally, nearly half of mobile-money agents have not processed a transaction for a month; 97% of Zoona agents do so every day.
從全球范圍來看，幾乎有一半的移動貨幣代理商一個月內都達不成一個交易；但在Zoona每天都有97%的代理商達成交易。
The right location helps.
地利相助。
Zoona puts its lime-green booths in canny places, like markets, bus stations and even a hospital.
Zoona 機智地把它石灰綠的貨攤放在像市場，公交站，甚至醫院這樣的地方。
They are often flanked by booths for Airtel and MTN, two phone companies offering similar services.
他們貨攤兩側還經常有Airtel a和 MTN這兩家提供相似業務的電話公司的貨攤。
Zoona is not the cheapest—the sender pays about 10% on small transactions—but competes on coverage and reliability: for example, ensuring its agents have enough float to cash large amounts.
Zoona 并不是最便宜的—寄件人在一項小筆交易中要付10% 費用— 但是以其覆蓋率和可信度取勝：比如，保證他的代理有充足的備用零錢來兌換大量現金。
Last year Zoona raised $15m from investors.
去年，Zoona 從投資者哪里籌到了1500萬美元。
Its outlets now dot streets in Malawi and Mozambique, and it has plans for the Democratic Republic of Congo.
它的經銷店現在遍布馬拉維和莫桑比克的街道，它還計劃在剛果民主共和國開店。
Such “third-party” operators are also thriving elsewhere: Wari, in Senegal, is not just competing with phone companies, but buying one.
這種“第三方”經營公司也在各處大量發展：在塞內加爾的瓦里并不僅僅用電話公司競爭，還買了一家。
In most places mobile giants and a few banks still dominate, but maybe not for ever.
大多數地方，電話巨頭和銀行仍然占主導，但是可能再也不會了。
考研英語時事閱讀
