₦airaland Forum

rvp20182:
Ghana's Momo - Mere 32B Ghana Cedis- that is about 5.5B dollars. Compared to Kenya Mobile Money whose value I bet is now 45-50B dollars.

According to the Summary of Economic and Financial data, mobile money transactions recorded [b]GH¢32.8b[/b]illion in value as at the end of 2019 – signifying a more than 45 percent increase from the previous year’s value. However, cheques – which are the main payment system for banks – recorded GH¢16.9billion in December 2019; a decline of GH¢300million from the value recorded in the previous year.

i know you will stupidly ignore population, you can imagine what it will be like if Ghana has the same population like yours . just 29 million prople are here conducting transaction, if you begin to understand the level at wish our mobile money is growing, you will surely know cutting Kenya into crap is just by the side . nearly 300 increasment within the first four month of the year is massive. now that Qr code has come on board to cushion the bankers and traders into the financial eco system, Kenya hope to reached Ghana stage fall.

rvp20182:
I didn't even bother to check - because you don't have any credibility. You cannot even provide basic data like smart phone penetration - and you want to send me in another wild goose chase.

lol.... Two solid links have being provided here, yet it fly thru your skull like an idiot, will I not be wasting my time trying to ignore the fact that I am replying an idiot ?

rvp20182:
The day Ghana lead in anything technology - I will tell you. At least Lagos - with Nigerian returning diaspora are trying. Ghana - with all the millions of diaspora - you don't even flip in TECH SCENE - you need to go back home. But you're busy inviting the messed up African Americans in the year of return.

People have beyond ideas like digital addressing - to trying to implement them. That is the hardest part.

Technology you're nothing. It's Lagos, Nairobi, Joburg and Cario. Maybe Capetown.

i can understand when you are in pains. when you have solid comeback, let me know. I want to teach you something.

for the fact that you ignore the remarkable importance and benefit of digital addressing system. it completely shows i am talking to an idiot.

rvp20182:
I cannot do your homework hobbit. You made the allegation - you back it up.

Do you know what it takes to have a digital addressing system? it is not done in isolation, it is done by the use of smart phones. Ghana as at today is using A very advance digital address system that is way matured than that of United kingdom. This is not done with yam( ordinary phone) but by smart phones.

rvp20182:
You're a true hobbit. Kenya is the WORLD UNDISPUTED MOST ACKNOWLEDGE WELL KNOWN mobile money leader. Everything the world knows about Mobile Money they learnt from kenya.

The current available data suggest you are lying. I have provide you the links earlier.

Noisyrians:
Folks, there is something going in that foolish country called kenya that is disturbing very disturbing women are cooking stones for their children because of poverty it broke my heart poor children, ooh my goodness and yet these clueless kenyans are here posting crass crap. I told those fools that those who live in glass houses don't throw stones, but they won't listen. I just scratched the surface of that shiit called kenyans and I didn't like what i saw at all. https://www.bbc.com/news/world-africa-52494404

Coronavirus: Kenyans moved by widow cooking stones for children

30 April 2020

Kenyans have rallied to the aid of a widow filmed cooking stones for her eight children to make them believe she was preparing food for them.

Peninah Bahati Kitsao, who lives in Mombasa, hoped they would fall asleep while they waited for their meal.

She used to wash laundry locally but such work is hard to come by now as people have restricted their interactions because of coronavirus.

A shocked neighbour, Prisca Momanyi, alerted the media to her plight.

After being interviewed by Kenya's NTV, the widow has received money via mobile phone and through a bank account that was opened for her by Ms Momanyi, as the mother of eight does not know how to read and write.

Ms Kitsao, who lives in a two-bedroomed house without running water or electricity, has described the generosity as a "miracle".

She had told NTV that her hungry children had not been deceived for long by her delaying stone-cooking tactics.

"They started telling me that they knew I was lying to them, but I could do nothing because I had nothing."

Her neighbour had come around to see if the family was OK after hearing the children crying, NTV reports.

As part of measures to cushion the most vulnerable from the coronavirus crisis, the government has launched a feeding programme.

it will even shock you if you get to know Kenya medics practitioner are forced to used the covid 19 test kit over And over again after watching. they claim there is less cash to keep buying pp

rvp20182:
Why can't you provide your data to make your point.

You can do the stupid work. jumia is available online . start by consulting them first.

rvp20182:
You're once again dreaming with MoMo. We invited Mobile Money and have the most advanced mobile money ecosystem. We are talking 13yrs now!!!!!!!!!!!!!

No country come even close.

This is painful. Kenya didn't introduce mobile money, the promoter is not a Kenya citizens, it is a technology we borrowed and we have master it from where we learnt it. you will soon come to Ghana to come learn as usual.

rvp20182:
I gave you the first opportunity to give us the figure. Now you're claiming i't double? Double what? 2018 is 2yrs ago - nothing dramatic has happen in two years.

You are not arguing , you are in pain. provide valuable data from jumia and let me take you serious.

rvp20182:
Stop dreaming. Kenya is the world leader of Mobile Money. That even a baby knows.

lol..... the available fact suggest you are lying, the links is available online.

rvp20182:
According to Wikipedia - mere 20% - and you're excited about QR codes. Work first on getting everyone a smart phone. That will take a decade.
https://en.wikipedia.org/wiki/List_of_countries_by_smartphone_penetration

why are you so daft like this? that is a 2018 ranking. and I will respect online market in this case than the above mentioned links . jumia service will be one of the finest category of organization to give us the clue .

Ghana currently has almost an equal double size of mobile penetration. that means, Ghana is one of the largest mobile users in Africa and will surely be among first five per capital in Africa.

what makes this QR code a perfect blast in Ghana is our digital addressing system. our digital addressing system is a top notch that United kingdom will be willing to borrow. very advanced than UK own. go read about it.

rvp20182:
We start with p2p then we go to mobile commerce...and then we you mature like Kenya you worry about the rest.mpesa can be send directly to eac..Uganda,Rwanda phones..then to all those expensive world remit or Western Union n many other third party...but now to integrate directly with Visa n maybe master card means it's pretty much mature.Next stage when everyone has smartphone is to upgrade...but you want a simple system

when it comes to technological financial inclusion, you are way behind, momo (mobile money) works on every platform here. is it from your phone wallet to banks or from your banks to phone wallet or any financial services. we called it interoperability, it is working here for the past three years. we can even conduct financial service within the different mobile network here with ease. QR code is our next step now. the first in Africa to pilot it.. That is maturity. we are always first in all.

rvp20182:
What is the smartphone penetration in Ghana

Ask jumia

Just30:
South Africa has an advance banking system
no need for mobile money

ATMs in South Africa receives deposits and dispense money
Samsung pay
Apple pay and everything works there.

QR code can perfectly work there. nearly all geographical location has reliable data that can be easily retrieved from the internet.

mtisTheQubit:
Thats the thing vaxx..the advanced nations have invested heavily in traditional banking but here in africa its easier to change..we can try whatever thats suits us ..Look at china..new payment system has replaced cards and cash at registers an billions are using it..The west is left with magnetic striped cards with chips

Not really, they have Qr code system which is pretty much like the momo(mobile money) but limited to smart phones, that is what emerging economics are using now. be it Brazil, saudi Arabia and China. what they are waiting for are mostly the ethical and legal framework to back it up . covid 19 has even fast track the development just to enhance social distancing.

Britain and Scotland are at their pilot phase . it will work for them cus their banking infrastructure support it.

Just30:
it means nothing when an Investor will willingly choose South Africa over Kenya

Because he is more certain to have access to services in SA than kenya

Even with Kenya having a better ease of doing business than Ghana? Ghana will still continue to attract a larger chunk of FDI to her shore.

Just30:
he doesnt get it



the guy is even confusing portland cement for Hydraulic cement

He is probably one of this guys that study marketing , so be slow on him in technical scientific terminology.

rvp20182:
We have been through this 100 times. Your cement consumption is merely 5M metric tonnes. And your real estate so crappy there is a paucity of pictures of it.

Your cement consumption slow down as liquidity dry ups in your bank due to your whack governmental policy. Though, you removed the cap yet it has failed to bounced back. when you check the table , you will surely see we have been doing well way before you in the past from 1996 forward. And from 2018 , you are no where close.

rvp20182:
[b]You're just at p2p and starting the next stage with [/b]wrong approach.Mobile money should work with simplest of feature phone.Kenya is at the stage now where you can use mpesa to shop in a German supermarket.Its now an accepted international money systems.One of the world busiest.

who is deceiving you? I paid my health insurance renewal bill , electricity bill, water bil just thru my phone wallet . that is P to G ( people to the government') . mobile money should work on al
features that guarantee open transaction and flexibility, smart phones are now more than yam in circulation ( ordinary phone )i am aware you haven't heard of world remit . You can easily send money from abroad and it will easily land on my phone wallet in Ghana .that is a blast . world remit are in more than 10 western country including USA.

rvp20182:
You're a baby in matters Mobile Money. M-Pesa is worrying about international transactions. Local stuff were sorted 10 yrs ago. Mpesa merchant have number - QR code - is great but will your grandmother phone work on it.

In Kenya - every merchant - or even you - just applies for their business number - like 12466 - and they receive payment through it. Not finicky QR code or such nonsense.Safaricom trialed tapping - with card reader- those were crazy ideas that cannot scale.

They are two Till Number and Paybill Number (if you care to add stuff like account number.

Ghana are babies in mobile money - take your seat and learn from the father of mobile money - KENYA.

I am sure you are not aware Ghana is now the fastest growing market of mobile money In Africa . uprooting Kenya from that table.


https://www.google.com/amp/s/qz.com/africa/1662059/ghana-is-africas-fastest-growing-mobile-money-market/amp/

Qr code isnt about expensive equipment and it is very flexible. using smartphone now is becoming more and more user friendly and flexible than it once used to be . in fact almost everyone has it today. what you just need to have is a phone with a camera and an installed banking application. that is all.

you also dont know the system is easier and more open . the easier process of integrating new financial instruments like cryptocurrencies into it in the future make it futuristic

https://www.worldbank.org/en/country/ghana/publication/ghana-economic-update-enhancing-financial-inclusion

rvp20182:
Safaricom and Visa already launched linkage - allow you to use VISA card pay stuff including online - and have your mpesa deducted.

https://i1.wp.com/techweez.com/wp-content/uploads/2020/04/Safaricom-MPesa-debit-card-to-compete-with-banks.jpg?fit=700%2C375&ssl=1

lol... what Ghana is doing for the past one year now. Ghana just become the first Africa country to launch universal Qr code .it is now possible for all Ghanaians retailers to receive payments on their mobile phones without the need for the traditional point of sale device, our interoperability on financial transaction among all mobile network is more than five years old .

Austine1213:
What is Azania now


Mobile money don't work in advanced economies

Trust me , mobile money is one of the greatest technological solution that came from Africa? if the advance nation have their way , they would have adopt it in their system. but western country has invest so much into traditional banking, A slice attempt to bring the idea on-board will have negative set back on their banking infrastructure.

Shma:
what was the name again?

kejetia market .

Shma:
show us the renders and actual progress on construction.

it is not in renders it is already completed . while another old market is already demolished for the second phase .

Shma:
am not interest in your stupid E-war
It won't help me in anyway whatsoever, I know you're cleaning out the air after the factual claim about Ghana being ahead of Nigeria, anyway, I don't care.

Repeat it again, Mr idiot. it'll not work , i have seal your coffin, so when I am ready to check on the fools on the other side.i will get back to you.

Shma:
the same bullshit you're spewing here sells you.

The yardstick of your stupidity is now open to the public.


Asking austine a question has now resulted to all this??

We're you born this egotistical or you just practiced it?

Anyway, with the respect of your self esteem, let it slide.

Hope you'll be sober one day to answer what I asked.

You won't use me to enliven your boring and ignorance life of sorrow, retardation, and masochistic submission to the cosmic torture. Turn to the nearest Christard RvP instead. I have had enough of you.

Shma:
ooh! My bad
Did I just Say Nigeria ??

Your stupid and childish attitude to involve Nigeria and Ghana into E fight is not gonna materialised on this thread anytime soon. so keep getting emotional to what does not go beyond niaraland.

rvp20182:
Please hind behind meaningless indices - don't try anything REAL ESTATE. Ghana is just under-developed. If Nigeria cannot smell Kenya - how will Mini-Nigeria (ghana)?

Ghana underdevelopment is Kenya standard of progress

Shma:
you know nothing Mr prof.
Aside with jargon.


Are you trying to coat that simple word with technical jargon to suit your ego,?

it is not about hyping myself. I can schooled you . most of what you wrote here sell you out as an idiot. yes , you knows nothing. I will not spoonfeed you.

rvp20182:
What are 10 malls ? That is like my small town - of 100,000 residents.

if we are going to base it on per capital , I can bet , Nairobi is still wanting, should we ?

gallivant:
Over ten malls? Open markets are not malls. Infact the other hobbit fool believes malls are imported. I have a better chance with reasoning with a monkey on this subject of malls.

i am aware reality is missing in your dico. once you have it , let me know

Shma:
lemme inform you something..

Ghana HDI is on the same level with kenya.


Ghana has zero infrastructure


You're not developed in anyway

Even the guy who said it mentioned it because he was pissed off.



I can openly admit that naija can give us challenge but not Ghana.


Is Ghana developed than Nigeria, now that HDI speak volume?

Yes I am a factual talker, Ghana is more developed than Nigeria using the Human development index. nothing to sugar coat there.
.
but before I continue , do you know, you knows nothing. nothing from your write up make sense