She started with Zoona while at college. 她在大学时就在Zoona开始做了。

　　Her profits can now reach 50,000 kwacha ($5,200) a month. 她的收益现在可达每月5万克瓦查（5200美元）。

　　That is exceptional. 这是一个特例。

　　Last year the average agent made $548 in monthly commission, before costs. 去年平均每个代理在去除成本之前，每月的佣金只有548美元。

　　Globally, nearly half of mobile-money agents have not processed a transaction for a month; 97% of Zoona agents do so every day. 从全球范围来看，几乎有一半的移动货币代理商一个月内都达不成一个交易；但在Zoona每天都有97%的代理商达成交易。

　　The right location helps. 地利相助。

　　Zoona puts its lime-green booths in canny places, like markets, bus stations and even a hospital. Zoona 机智地把它石灰绿的货摊放在像市场，公交站，甚至医院这样的地方。

　　They are often flanked by booths for Airtel and MTN, two phone companies offering similar services. 他们货摊两侧还经常有Airtel a和 MTN这两家提供相似业务的电话公司的货摊。

　　Zoona is not the cheapest—the sender pays about 10% on small transactions—but competes on coverage and reliability:  Zoona 并不是最便宜的—寄件人在一项小笔交易中要付10% 费用— 但是以其覆盖率和可信度取胜：

　　for example, ensuring its agents have enough float to cash large amounts. 比如，保证他的代理有充足的备用零钱来兑换大量现金。

　　Last year Zoona raised $15m from investors. 去年，Zoona 从投资者哪里筹到了1500万美元。

　　Its outlets now dot streets in Malawi and Mozambique, and it has plans for the Democratic Republic of Congo. 它的经销店现在遍布马拉维和莫桑比克的街道，它还计划在刚果民主共和国开店。

　　Such “third-party” operators are also thriving elsewhere: Wari, in Senegal, is not just competing with phone companies, but buying one. 这种“第三方”经营公司也在各处大量发展：在塞内加尔的瓦里并不仅仅用电话公司竞争，还买了一家。

　　In most places mobile giants and a few banks still dominate, but maybe not for ever. 大多数地方，电话巨头和银行仍然占主导，但是可能再也不会了。