M-KOPA is a fintech startup that operates as a connected financing platform. The company primarily serves financially excluded individuals, providing them with fair and flexible financing solutions to help them progress in their lives. M-KOPA operates in the financial services market, specifically targeting those who have been traditionally underserved by conventional banking systems.

The company's business model is centered around providing micro-financing solutions that are tailored to the specific needs and realities of its target market. These solutions are delivered through a digital platform, which processes payments in real-time. This approach allows M-KOPA to reach a wide audience, even in remote areas where traditional banking services may not be readily available.

M-KOPA makes money by charging interest on the loans it provides. The company has a strong track record of successful loan repayments, demonstrating the effectiveness of its approach and the value it provides to its customers. Over the past decade, M-KOPA has continually tested and improved its offerings, ensuring they remain relevant and beneficial to its target market.

In summary, M-KOPA is a digital micro-financing platform that provides fair and flexible financing solutions to financially excluded individuals. The company operates in the financial services market, making money through interest on the loans it provides.

Keywords: Fintech, Micro-financing, Financially Excluded, Digital Platform, Flexible Financing, Interest Income, Loan Repayment, Financial Services, Underserved Market, Digital Payments.