Personal Financial Management Tool

Annetta, a 33 year old entrepreneur, has trouble tracking her personal and business finances. She also borrows money to grow her stock. She pays suppliers in cash and accepts cash payments. ZOAme empowers Annetta to Invest, Borrow, Pay, Budget and Track her spending from one app. Additionally, customers can now pay her through the ZOAme at ZERO cost to Annetta. That is financial freedom.


Gladys Kingori

A former banker with 10 years experience in payment systems, project management, product development, management and strategy. I'm the visionary and strategist of ZOA. My background is in IT and MBA with work experience in financial institutions & non-profit organizations.

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Last Update: 12.10.2017