MaTontine provides access to small loans and a range of financial services for the financially excluded in Africa. The problem for our customers is that they do not have access to small loans at reasonable costs . We solve the customer problem by digitizing traditional savings circles in order to provide access to financial services like small loans; thereby reducing the cost of borrowing by 75% or more. Our differentiation is that we are able to provide a range of integrated financial services via a basic, feature phone. This is very important as only 20% of Africans have smartphones.