₦airaland Forum

rvp20182:
I used to run Mpesa payment system for our companies in 7 africa countries. MTN didn't even have an API. I managed MTN, MPESA, TIGO CASH, AIRTEL, name them...and our payment system received a payment every second. MTN MOMO is like MPESA in 2011 or earlier. Please when it come to Mobile Money - Kenya is the MECCA - By FAR. That is why many companies interested in Africa are setting base in Nairobi.

You keep reminding me of how stupid you sound . despite your continuous interest in shifting the goal post , Ghana is still miles ahead of you.


No any African country has fully anexed inteperobiility of money transaction just like Ghana as did. you may be first country to start it along Uganda but you aren't successful in it like Ghana. hence the reasons Ghana is term to be the largest growing market for mobile money penetration in Africa.


even with many company setting their office in Kenya, it hasn't changed anything. Ghana still received the highest foreign direct investment than your back water country. hence the reason for our lower unemployment ratio to yours

Just40:
I know stupidity was born with you, this only means, you inherited it.

At lest be logical for once in your life.

What i posted was about Ghana and Kenya, how did West Africa and East Africa come in?
Except you were finding reasons to shift goal post again.


Yes out of the 130 billion 100 billion is from Ghana alone cause Ghana is the only West African country that fully utilize Mobile money.

Are you now satisfied with your level of stupidity exhibited?

If not for stupidity and dumbness, you would have seen that the report you posted was 2019.

I wonder what will be the amount if Nigeria fully utilized mobile money, we will be talking of trillions of cedis here

rvp20182:
The only thing limited here is your thinking capacity. M-pesa will remain the trailblazer and is light years ahead of MOMO. I used MOMO in Uganda - pretty lame. It's like Mpesa 10yrs ago.

you can compare your back water country to Uganda, at least both of you started around the same time.

with Ghana, the infrastructure supporting interoperability of all money on major platforms works and is miles ahead of Kenya.

internet and data is a joke in Kenya..


https://www.youtube.com/watch?v=tdwuUOzbZz8

Just40:
Im not trolling them

Im just stating facts that their mpesa is baby to mobile money in Ghana which has managed to do 100 billion dollars in transaction over baby mpesa in Kenya.

The guy keep echoing Mpesa has gotten award , and how does gotten award in Kenya makes them better than that of Ghana when we do not juxtapose their success.


we are talking about entire country telecom system here and not just a single company.

kevomtaani:
You are being trolled, Mpesa has won multiple awards nobody ever mentions Momo in any platform that's why you see the Nigerians are not arguing with you guys.

Nigeria momo is under reveiw . the banks and authority there are not willing to let it happen . now MTN has got their first licence, you will see how it work. when Nigeria fully start , any African that are in it will thrilled behind it because Nigeria has a massive population to do the market .

The reasons Nigerian are not arguing with it is simply because it is practically not existing in Nigeria. and that is because the authority are yet to fully implement it. so most of them are not aware of it apart from their normal mobile bank transfer

lesson Kenya can learn from Ghana social economic challenges.


this is directly from Kenya news channel



https://www.youtube.com/watch?v=mawEr3xt8cM

Just40:

That's young

Every bank has their own ussd for MOMO, vodaCash, AirtelTigo money users to use.

That's 10 years ago stuff.

Meanwhile, this is Express*pay

You can pay any bill you want

iequbit doesn't understand payment of bills from transferring to individual account

leQubit:
Questions to my Ghananinas friends ..what do you understand by pay bill ?

I have schooled you multiple time on it .

leQubit:
My Ghananina impatient friend try to follow..Take an example of Mpesa..They got what we call pay bill for every bank in Kenya...You enter paybill number an bank account number an money is transferred..now do you follow

You keep displaying ignorance. paybill is about settlement of goods and services.


when you are able to pay into your own bank account from your mobile wallet. let me know

leQubit:

So form your app , it only suggest your mobile wallet ( mpesa) only works with equity bank of Kenya. so If I am supposed to used another bank in Kenya different from equity bank, it will be impossible. .


So backward nation

leQubit:
Every mobile operator got something like that here..but that old stuff..better download the apps from google store or apple..they are better than ths

That is an MTN platform. it is exactly like that of its app.what i want you to show me is where does it indicate you can transfer fund from your wallet to your bank account in any Kenya telecoms companies. show me either thru their ussd or web app?

rvp20182:
That is a USSD app. In kenya you can do it that way - or simply with STK app - every bank has their business no and the account number.

That is an MTN platform boy. such doesn't exist in kenya

leQubit:
Paybill is just one aspect of mobile transaction ...ok ths tiring

I have go thru your link and what I read there is. about payment of bills. nothing more

leQubit:
Ok lemme just assume i dont know what inteperobiility is

This is how i roll
1..I can transfer money from my mpesa to my bank account
2.i can transfer money from my account to my mpesa account
3.I can transfer money from my bank account to someones else mobile account(mpesa or airtell)
4.i can transfer money from my mpesa account to someone bank account
5.i can shop using my mpesa.

etc etc

bro am really surprised by your argument

stop lying and be articulate with your logic .


this is my own mobile wallet. show me some evidence like this.


you will notice the option 6 is taking about bank transfer

leQubit:
Thats the problem we got here..you folks read stuff online the assume things...The bank money thingy is an old thing here..Am laughing myself like what this ..Like transferring of money to an from the bank is big deal.. dude give up...

I am sure you don't understand what they means for saying pay bills ? it is not the same as mobile wallet or account .

leQubit:
This is tiring bro..we started doing ths kind of transaction way back man...Ths is how we operate..

that is not inteperobiility. that option you showed me is only available via paybill option, which means is only for settlement of goods and services and not on one wallet .


except you were able to convince us that your telecoms and banks operate interoperability which is not just about paying for services and goods.

leQubit:
have what? transfer money to an from my bank account using my mobile phone ? Transfer money from my mobile to my workers' bank account? ..please guy just stop it...

where is the evidence of your lies ...at least this what central bank of Kenya said.

""The benefits of one mobile wallet-to-another interoperability for customers are immediate and substantial. Networked customers will avoid the expense and inconvenience of reloading or withdrawing via network agents. The customer’s mobile wallet is mirrored. Funds are immediately visible upon receipt, regardless of the network. Customers can also withdraw money in their wallets from agents in their network, “said a statement from the Kenyan central bank. This means that with Kenya’s interoperability it is only from one phone to the other or one mobile wallet to the other which precludes payments through bank

rvp20182:
There are many ways; from native safaricom app, from USSD and from mobile apps; Please Kenya began mobile money in 2007; when were still paying for the Golden Stool fine.

Yet Ghana was able to meet you and even leave you behind. something must be wrong with Kenya as I always say .


when you are able to send money from your wallet to your bank, let me know .post an evidence that support it . and stop lying

Just30:
I didnt say sendwave
I said wave

he is typically one stupid guy who never want to take fact for an answer .


wait he will soon come up with another stupidity

leQubit:
dude what you describing here is old news...its like when you guys get a new toy you think other countries dont have it..stop the embarrassment bro...

proof it to me , that you have it in Kenya. and stop acting stupid

rvp20182:
You seriously believe there is even one single aspect of mobile money that Ghana;s South Africa's MOMO is ahead of kenya Lol - no existing tech in kenya to transfer money from bank account to phone wallet - are we in 2008 There many ways to transfer money btw your bank and the mobile accounts in kenya; it non issue.

I have given you prove from your own central bank. all others garbage you are typing are just rant .

rvp20182:
Baby stuff. With your large diaspora - why don't you even do basic stuff like Western Union to Momo
https://www.westernunion.com/us/en/cash-to-mobile-details.html

stop shifting the goal post, the fact is , there is no existing technology in Kenya that support transferring money from bank account to phone wallet and vice versa .

you can actually received foreings funds into your phone wallet in Ghana thru world remmit and the rest. what you need to do is to download the mobile money app .



from your own central bank

The benefits of one mobile wallet-to-another interoperability for customers are immediate and substantial. Networked customers will avoid the expense and inconvenience of reloading or withdrawing via network agents. The customer’s mobile wallet is mirrored. Funds are immediately visible upon receipt, regardless of the network. Customers can also withdraw money in their wallets from agents in their network, “said a statement from the Kenyan central bank""

This means that with Kenya’s interoperability it is only from one phone to the other or one mobile wallet to the other which precludes payments through banks.

rvp20182:
Does that sound so complicated in Ghana - there is nothing you have done in Ghana MoMo that was not done maybe 4yrs ago in Kenya.

Yet this very means does not exist in Kenya.

rvp20182:
Ignorance is a bliss. Why not use Google or consult your vodoo expert. You can actually sent money from your phone to anyone in East Africa on any network in Kenya - and of course all the paypals, western union, name it.

You are actually been stupid for nothing . . transferring money thru wallet is not the bane of discussion here. but ability to transfer money right from your own phone wallet now to your bank account .


proof it to me if it exist in Kenya?

rvp20182:
Pesalink - links every bank account with mobile money - and there are so many virtual mobile money bank accounts - with ability to get loans and all that in kenya.

You're just babies here...trying to walk when you should be crawling.

when you are able to transfer money from your safaricom phone wallet to any bank in Kenya, let me know . what you have only exist among major telecom platform not from telecom to banks

rvp20182:
Again what makes you think kenya has not done that. We began it and has done all that. I tell in Kenya most people can operate cashless. I personally rarely have any cash around me in Kenya.

While you're talking accessing banks account - kenyan borrow more than I think 1B dollars daily through their phones. There were at one point about 50 digital lenders.

Whatever you can think about in mobile money spaces - it's been done in kenya! Kenya is the mecca of it.

stop acting stupid, the only mobile infrastructure that exist in Kenya is transferring wallet from the same telecommunication company and not from telecommunication to the bank. the one will freely enjoy here in Ghana.


borrowing, buying shares and paying for goods and services is normal event here.

rvp20182:
The entire MTN Group process 11,752 MOMO per minute - Kenya Safaricom does I bet 100,000 plus per minute.

And M-pesa rarely fails and is super-fast.

MTN Ghana is just miniature of entire interoperability system . they are far bigger umbrella like fidelity, eco bank and the rest.


when you guys exceed 100 billions dollars, let me know

rvp20182:
Please when it come to banking and all matters mobile banking - you're babies. Ignorance is a bliss

I see you are at 50% formal banking

And you're now about to start agency banking
https://www.fsdafrica.org/news/agency-banking-transforming-markets-and-financial-access-a-case-of-fidelity-bank/

Kenya mobile money ecosystem has not peer in the entire globe.

Your only problem is simply because you are educated in Kenya. in Ghana, when you have moble money, it is has good as you have bank account cus it does not limit you for any available transaction, either usssd, mobile wallet, QR payment and others . by this standard , nearly all Ghanaians are owing bank account just by having their own phone number .


when Kenya adopt such system let me know . Your out model money mobile wallet still operate in silos .

rvp20182:
Kenya has had interoperability for as far as I can recall. It's nothing novel. Ignorant Arrow. We have very mature mobile money - Banks have their own mobile money - in addition to telcoms.

When you begin to links banks and mobile money all thru let me know . alphabetic Mofo"

rvp20182:
MTN's MOMO is 90% of your mobile money. The rest is ignorance.

You see why you keep validating the purpose of that lady making the best choice for schooling in Ghana. when it comes to interoperability payment. we have USSD, mobile wallet and others. in Ghana, USSD still owms the largest payment in mode of transaction. in this case , fidelity bank leads, in mobile wallet , MTN top and then Vodafone.

Just30:
counted by the Bank of Ghana who is in charge of all payment systems at the moment.


You see how foolish you are, monies that pass through MTN mobile Money platform is not for MTN, so MTN cannot made 100 billion dollars.
MTN entire Revenue for 2020 was 12 billion dollars or so.

Your Safaricom Mpesa will forever remain behind Ghana mobile money.

Mpesa 40 billion dollars is a far cry from MOMO 100 billion dollars in Ghana.

The idiot does not understand the word interoperability. he thought it is only about one institution like MTN.


we are talking about the tranction of money among major platform here where MTN happens to be part of them .