zuulu Financial Services is a fintech startup. Our vision is to establish the Premier Open Platform for Digital Financial Services in Africa by enabling financial inclusion and the gradual formalization of the informal economy through new business models. Our approach is built around four key principles - Connect people, businesses and governments in Africa through digitization of payments, social transfers, and remittances in and to Africa. - Establish an open platform that provides true interoperability between different payment schemes and operators . - Bridge the gap between the African diaspora and the payment for goods and services in Africa by converting money transfer flows into payment flows.