The power of Micro Money Transfers

A Practical Guide To Becoming A Highly Profitable Money Transfer Operator


Why micro money transfers really matter.

Remittances, like most dominant financial services, penalise the poor—while sending large amounts of money cross-border is relatively cheap, small transactions incur huge fees.

As a result, many people don’t send small sums of money, instead save up to make monthly transactions. On average, a Mexican migrant remits ~$300 13 times a year; but back home, imagine the cash crunch in between ‘paydays’. $20 goes a long way towards staples like airtime, food and utilities. More frequent transactions can have a profound impact on smoothing out income and allowing impoverished households to better save, plan, invest and grow.

This book explains why micro money transfers matter, the impact they have on peoples’ wellbeing, and the importance of transparency in an industry riddled with “confusion” pricing.​ It also outlines how the future of micro money transfers will develop, and how additional financial services can be layered on top to welcome the underserved into the formal financial system. Finally, this book provides money transfer operators with a blueprint on how to pivot your business model and future proof your business.

"Arunjay truly tells it like it is, and money transfer businesses would do well to listen."
Ben Lyon, CEO Hover, former co-founder of Kopo Kopo

Hi, I’m Arunjay - global. citizen, serial entrepreneur and inclusion specialist.

Albert Einstein said, "We cannot solve our problems with the same thinking we used when we created them." Which is why we need to deepen our understanding and begin building a more inclusive future. One person at a time.

Join me on this journey and together we can create a world worth leaving to the next generation.

My Story
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