What if a service that is app (Android, iOS, Windows Mobile etc), USSD and text based is to be made. Fueled by direct depositing via both Mobile Money services and Visa/MasterCard. Copy what Safaricom had done correcting the very obvious mistakes and fueling innovation (For example offer a sturdy platform independent API for developers) and openness to consumers. Wouldn't the world be a better place instead of waiting on Safaricom who clearly aren't in a hurry to innovate.