Located right opposite the busy Bugolobi Market in Kampala, Emily’s shop focuses on providing efficient and secure bill payment services for individuals and businesses, as well as selling mobile phones and doing SIM registrations. She has two outlets in close vicinity. Emily started using Flow in April 2019, and since then she has taken 57 float advances which have enabled her to increase shop income by nearly 50%. Between April and November, she has processed transactions worth UGX 134,750,000 UGX (USD 36,092) powered by Flow. Flow enables her to better serve existing customers and to attract new customers. Everyone knows that she always has sufficient float (e-money liquidity), i.e. that they can always go to her shop to get the payment services they need.