[Skunkworks] Banking App idea

kris njoroge krsnjo at gmail.com
Wed Aug 28 19:41:03 EAT 2013


Was bila idea this had been done will download and play around with. Wonder
if equity is a partner?


On Wed, Aug 28, 2013 at 3:05 PM, davis waithaka <daviswaithaka at gmail.com>wrote:

> In deed it is the Elma model <http://elma.bz/>. Sourcing demand directly
> from customers of all banks then dealing with the banks later.
>
> Davis Waithaka
>
>
>
> On Wed, Aug 28, 2013 at 3:15 PM, Sospeter Mungai <sospeter at elimu.co.ke>wrote:
>
>> Isn't this how the elma model works?
>>
>>
>> On Wed, Aug 28, 2013 at 1:47 PM, davis waithaka <daviswaithaka at gmail.com>wrote:
>>
>>> You could start with one or two small banks and sell to them the
>>> convenience angle. Initially this would be for customers within their
>>> members (m-banking?) which would eventually have the Mpesa model that you
>>> are avoiding.
>>>
>>> Alternatively, this could be built as a separate entity where
>>> participation is user-based (ie the user approaches you for the service eg
>>> by downloading the app then 'forcing' their bank to work with the
>>> app). This is a much harder way to go at first but it will most likely have
>>> the best chance of survival and success.
>>>
>>> Davis Waithaka
>>>
>>> On Wed, Aug 28, 2013 at 12:41 PM, Kinpro Computers-All IT soutions <
>>> kinprocomputers at gmail.com> wrote:
>>>
>>>> Then you would need  API or direct Electronic data Exchange connection
>>>> from each bank.then you can have webbased connection that can be
>>>> utilized by computers,phones with webbrowsers, other wise you would
>>>> need USSD infrastructure and liaison with telecoms to catch up with
>>>> users in their networks.
>>>> --------- Forwarded message ----------
>>>> From: kris njoroge <krsnjo at gmail.com>
>>>> To: Skunkworks Forum <skunkworks at lists.my.co.ke>
>>>> Cc:
>>>> Date: Wed, 28 Aug 2013 11:06:28 +0200
>>>> Subject: [Skunkworks] Idea: Banking App idea
>>>> Can't seem to find the initial email but this is not my original idea
>>>> am just adding on to it. The basic idea is using your phone either
>>>> smart or dumb or any device that has a mobile phone no you can make
>>>> payments directly to anybody or entity using there phone number.
>>>>
>>>> So what would be the difference with the present system. One, it would
>>>> be open, anybody who has a bank ac in whatever bank can have access to
>>>> the system and can make and receive deposits directly into there bank
>>>> accounts. Payments and deposits are done into your bank ac in real
>>>> time.
>>>>
>>>> Key advantage is you don't have to withdraw to make payments. The
>>>> implementation of this system would be endless eg landlords, chamas
>>>> etc.
>>>>
>>>> The downside is that the banks are not everywhere and might be a
>>>> challenge to get access to the funds but with the growth of agency
>>>> banking it could work.
>>>>
>>>> Maybe, done the line we could come up with our own bank cards that are
>>>> recognized in East Africa, cheaper than Visa/MasterCard that the
>>>> masses could use as we move towards plastic money...
>>>>
>>>> Nicholas Peter.*
>>>> Kinpro Computers.*
>>>> *Box:*16954,Arusha.
>>>> *Tel :*+255 732 972287.
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>>>
>>>
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>>
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