For most of the banks, they approached business as if they were doing the consumer a favour. Then it was difficult for most of us to try the above services without queues, moving from one office to another, a lot of paperwork. then mpesa came with the hassle free approach. Equity bank has provided most supermarkets with a facility that allows for shopping with their ATM card, though they have not been agressively marketing that. IMO, If you are a service provider and people have to come to your office to use your services, you have a problem. How many have gone to Google or Facebook offices or called them to use their services? -- with Regards: Get your free technology e-magazine in pdf format: Tekniaonline: http://bit.ly/tekniaonline-2 A Campus Perspective, Comically wrapped in Satire : http://gramware.blogspot.com