 My name is Winola Kingamkono, I was introduced, and I'm from Tanzania. This is my second time here, I was here eight years ago, 2015, presented Goomzo, and also my background is in information systems, I love computers and video games. For those who don't know, Dalesalam is this tiny city, but very popular in East Africa. And Dalesalam has over six million people who are working day-to-day jobs to survive. And one of the people who lives in Dalesalam is this guy, his name is Amani, Amani is an Uber driver, and I met him about two years ago, and I met him because he was one of the first people to use our platform we were testing. And one of the things that Amani constantly says to us is that he doesn't want to hear about buying our pay letter, and I know you are curious why is that. First of all, the six million people that live in Dalesalam, like so many other cities in Africa, are struggling with achieving their financial needs. This is because, first of all, the purchasing power is very limited, but also because of this they end up having unhealthy financial habits. And what does this lead to? This leads for them to take loans, however, because as I said, poor financial habits low purchasing power, that means they can't pay back these loans. And this affects over 80% of the population in Dalesalam. And this is not unique to Dalesalam alone. Over 300 million earners in Africa are also affected by this similar challenge. And so, as Tunzar, our mission is quite simple. We want to transform the financial habits of everyday Africans. How are we going to do that? What we have learned is that, first of all, saving is about psychology, while of course, having a higher income matters, but this is not the actual reason that people are saving. And because of this, we are inspired by similar products that are trying to transform the habits of different people. Strava, Duolingo, Habitica, and we borrow our inspiration from these companies in a sense that we are trying to make, first of all, saving so easy to start. And every time that people are saving on our platform, they should be, you know, able to celebrate the wins that they're doing. But also, we are seeing also on our platform every time they are putting the money aside, once they finish a certain goal, they always try to get something much bigger. And also, we see how they are able to do this, and this motivates them to actually do much more. And so, it's quite simple how our platform works. You come to Tunzar, we're on boarded merchants. You pick a product, say a TV, a laptop, anything. And then you basically set up a payment plan. Currently, we are supporting up to six months. And then you start paying for this product as low as less than one euro. And then what we are doing with this information is basically try to understand your habit. How are you making money? How often are you receiving money? And then with this, we try to send reminders to keep you on track on your goal. And then we deliver the product once the payments are completed, which means our customers or our consumers do not end up with debt or high interest. And so, in a nutshell, we let African consumers serve for purchases, for more curated serving as a service marketplace with trusted merchants and our secure API. And currently, Tunzar is piloted in Tanzania. And we have our marketplace when we're on boarded several businesses. And as you can see, we have products and people can select how often they want to do it every day, every week, after three days. And then eventually, they start paying for the product. And then once they finish the payments, as I say, that's when we deliver. And also, Tunzar works offline. And that's the coolest thing about our platform. So we also piloted how it would be because we are seeing a lot of, there's a lot of mobile money agents in my country and so many other African countries. And because of this, our vision is to also use the existing mobile money network to convert more people to using Tunzar and other distribution centers in the future. And while we were building a platform for our consumers, something very interesting happened. We learned that the businesses that are currently, that want to sell on Tunzar, unfortunately, do not have digital tools. And so because of this, we also built Tunzar Plus to support the businesses that are accepting payments on Tunzar. I'm saying this is interesting because we are now able to see the credit score or like, depending on what they are selling, what businesses are selling, we can build a credit score for these businesses to eventually support them in the future. So our product is quite simple. We built an API that is easily accessible, transparent, and offers freedom on how you want to pay for products. And what we are seeing now, since we launched Tunzar to the users that access in our platform, first of all, starting to serve us become much easier for them. And also we enhance their saving habits based on the data. And also they are saying, people like our money and so many others, they are saying that they reduce their debt burden and their dependence on loans. Currently, we are making money through commissions. We are taking money from the businesses. The price that you see at the shop is exactly what you will see on Tunzar, so there's no added cost, no interest, nothing. And also we see a potential of making money through transactions. We have probably 30,000 now payment transactions, and so we see an opportunity here. And also because we're on board merchants on our marketplace, so in the future, we want to consider ads. We are addressing two markets. First of all is the e-commerce market, which is the serviceable obtained market for Tanzania. It's about what we are aiming for, it's about over $400 million. And also we are looking at digital payments, and this is where the interesting thing is, because the numbers are much more attractive, and Tanzania, like so many other African markets, is vibrant and ready for opportunities like this. So we are also going after the digital payments as another market. And there are some other players who are doing something similar. There's one in Canada and America, also in Germany, you see accrues savings in monkey. However, Tunzar stands out because of our easily plug-in play-savings and payment infrastructure that is targeting African merchants, but also we offer these tools for digital transformation for these businesses. And we currently, so this is a little bit outdated. We are now at over 47,000 users and about 1,800 paying users, and we have fulfilled over 4,000 orders. And yes, we are making money on our platform as we are still testing it. We see there's some transactions, and also we are making about 1,000 to sometimes 2,000, but the average is $1,300 a month. And this is our trend. Something interesting happened last month. We partnered with M-Pesa around October, and so now Tunzar is available within M-Pesa platform. And this allowed our growth to rapidly go high. So this happened recently. I don't understand it fully yet, but I hope this will be something amazing and a great opportunity for us. Yes, as I mentioned, we partnered with M-Pesa and also TIGO. These are two largest mobile money networks in my country. And also we are licensed by the Bank of Tanzania and Tanzania Communication Regulatory Authority, which allows us to be in this market. And also we raised some funding from startup WiseGuys and MAPCON and other angel investors. Currently our plan is to grow within Tanzania and to make sure that we understand this market even much better. We have plans to go to other markets. They are not solid yet, but we have plans we are considering Uganda and Zambia and maybe in the future Kenya and Nigeria. We are not sure if we are going to be an African Neobank or we continue further to develop our platform. So if I tell you right now it will be a Neobank, I'm not sure about that, but that's what we might become in the future. So yeah, and our plan to expand Tunzar includes releasing our API to developers of a value-added services, for example, credit scoring as a service and offer new verticals for services like rental, travel, school fees. We are raising half a million dollars for growth. I already have a commitment of $200,000 for growth in Tanzania, but what we are much more interested in is people who have connections and talents and experience building products like Tunzar in Africa. This is my team. Paul is joining me as a co-founder and also our team is also based in Dalesalam and we are building everything in Dalesalam, Tanzania and these are the people who keep Tunzar alive. So, we come at Tunzanian. Thank you.