Simeon Kerr in Dubai. Report a mispronounced word. Founded four years ago, the company aims to open up financial services for the low-income workers in the six-nation Gulf Mohey Council: labourers, taxi drivers, cleaners and hotel staff who arrive largely from south Asia and Africa. Utilising a smartphone app, Now Money offers access to competitive exchange rates. It also provides access to the broader financial system via a debit card for store and online purchases — such as mobile phone top-ups mke as well as cash machines. Now Money has agreements with 12 companies to provide services to their employees. Since launching in May in the United Arab Emirates, Now Money has gained 1, customers and says it is adding more each week. Its business model involves taking a cut from the service providers such as exchange houses or telecoms providers. However, fintech start-ups must navigate numerous hurdles — from their basic incorporation to the complex process of forming business relationship