KrossPay financial technology services are mobile and Web ecosystems based targeted at institutions, merchants, billers and consumer segments of the market. We take a broad based financial deepening approach to reach the under banked and unbanked at the bottom of the pyramid throughout Africa. Inclusivity and deep penetration achievement in reaching the very poor make the mobile ecosystem the preferred environment upon which KrossPay's services are based. Moreover, Africa being the fastest growing mobile market of all time makes NOW the time to deepen the reach of financial services to this burgeoning market. In another 10 years it is estimated that mobile coverage in Africa will near 100% A wide variety of products are available on our Website ranging from complete banking applications targeted at banks, micro finance institutions MFIs, SACCOs, CBOs etc serving them and their clients with domestic and international money transfer services, bill payment, Visa and MasterCard debit cards, KrossPay proprietary debit cards and many more. In order to deepen financial services for the large urban and rural poor population segments, we have partnered with MFI organizations that are early adopters of our technology starting with Kenya, then East Africa and the wider African region to lend to young entrepreneurs at the very local level to reach the unbanked with financial and insurance services at the very local level.