MoGrow: Africa’s Informal Economy, Upgraded
Empowering Zambia’s street vendors, kiosks, and market traders with digital tools to grow beyond cash. Start accepting payments, track sales, and access loans—all from your phone.
About MoGrow
MoGrow digitizes and scales Africa’s informal economy—turning survivalist businesses into thriving, data-driven enterprises.
MoGrow is a hyper-local fintech and business growth platform that empowers Africa’s 100M+ informal businesses with:
- Digital Payments & Banking – Mobile POS, QR codes, and no-fee business accounts.
- Smart Business Tools – Inventory tracking, ledger apps, and AI-driven insights.
- Access to Markets & Capital – E-commerce integrations and microloans based on transaction history.
We start with micro-retailers (kiosks, street vendors) and expand to artisans, farmers, and service providers—bridging cash, mobile money, and formal banking.
Why MoGrow?
MoGrow is a hyper-local fintech and business growth platform that empowers Africa’s 100M+ informal businesses with:
- Digital Payments & Banking – Mobile POS, QR codes, and no-fee business accounts.
- Smart Business Tools – Inventory tracking, ledger apps, and AI-driven insights.
- Access to Markets & Capital – E-commerce integrations and microloans based on transaction history.
We start with micro-retailers (kiosks, street vendors) and expand to artisans, farmers, and service providers—bridging cash, mobile money, and formal banking.
MoGrow’s Core Identity
For the Informal, By the Informal
Designed for low-literacy users (voice/UI in local languages). Works offline/USSD for feature phones.
Growth Over Just Digitization
Not just payments—MoGrow helps businesses expand (e.g., bulk-buying discounts, logistics APIs).
Data = Opportunity
Sales data unlocks credit, insurance, and government programs.
Local Partnerships > Silicon Valley Playbooks
Collaborate with market unions, mobile networks, and local fintechs (not just VC-driven scaling).
How MoGrow Works: A Kiosk Owner’s Journey
No app download needed. Just dial
*123# or message “JOIN” to MoGrow’s WhatsApp bot.
Customers pay via MoGrow QR or transfer-to-number. No more cash risks.
Simple voice-based logging: “MoGrow, add 50 ZMW from Indomie sale.”
After 3 months, qualify for a stock loan at 5% interest.
Bulk-buy goods from partnered suppliers at 10% discount.
Who’s MoGrow for?
We provide custom solutions to drive adoption through Segmented the Informal Economy for Targeted Solutions. Because not all informal businesses are the same—MoGrow tailors solutions by what each one needs:
🛒 Micro-Retailers (Kiosks, Market Stalls, and Many more)
With Needs: Mobile POS, inventory apps
🧺 Street Vendors & Hawkers
With Needs: QR payments, digital order management
🎨 Artisans & Craftsmen
With Needs: E-commerce platforms (Like Jumia, Selar)
🌿 Smallholder Farmers
With Needs: Agri-tech tools for payments & supply chain
🧰 Service Providers (Tailors, Mechanics, Barbers, and many more)
With Needs: Booking & payment apps
MoGrow is Here to Solve Real Pain Points
Not just digitization — but real solutions that save time, reduce cost, and unlock growth for informal entrepreneurs and business owners.
MoGrow facilities include:
📊 Cashflow Management
Track daily sales, expenses, and customer credit.
🛒 Cheaper Supplies
Access bulk purchasing networks and reduce cost of goods.
🚚 Logistics Support
Enable fast and affordable product delivery and pickup.