Wesley, I like playing the devil's advocate or the dumb guy. And so plse tell me the following: 1. How different is this from MPESA/ZAP and/or Paypal products? & 2. If it's different, how do u plan to eat into MPESA/ZAP markets? & 3. What makes you think MPESA/ZAP will be cheering you on or how do you plan to take on the competition? walu. --- On Tue, 9/15/09, wesley kirinya <kiriinya2000@yahoo.com> wrote:
From: wesley kirinya <kiriinya2000@yahoo.com> Subject: [ke-internetusers] Let's build an Electronic Payment Solution! To: "Skunk Works" <skunkworks@my.co.ke>, "ke-users" <ke-internetusers@bdix.net>, "KICTAnet ICT Policy Discussions" <kictanet@lists.kictanet.or.ke> Date: Tuesday, September 15, 2009, 1:45 PM
A couple of weeks ago, and a few months before that I talked about a payment solution for developers, basically a system where developers can receive payments from clients. Rad! had started the topic I commented on a few weeks ago. I believe that it's a great time now for us developers to do something about it. There are lots of great guys making great apps, especially mobile apps, but the methods that exist for them to receive payments are cumbersome for the client or the revenue share would not make business sense for the developer unless they are selling in the 10s or 100s of thousands. As I commented on Rad!'s thread, the payment solution is in-deed the last mile for us developers. With such a solution one can confidently build an app and plan for it's sale. I'm therefore putting the request out to all parties/developers interested. Is anyone willing to contribute to develop such a system. I belive we have some of the best developers spread out in our lists. We have the Security Guru's, the UI Gurus, Database Gurus, Software Architects, Designers and Programmers among others. And I'm sure those people know other people internationaly who can provide expert help. If we archieve this we could have a great open platform for payments. I had in mind a simple platform. It works the same way one would buy Mobile credit from the retail chains. It will be electronic. One purchases the amount they need, they send a request to the servers, through the Application (website, PC or mobile App). The application on the server deducts the amounts as they are used by the subscriber. I believe this system can generate enough revenue to sustain itself. The retail chain can pocket their 10 %, the system (and whoever is maintaining it) pocket another 10% and 70%-80% goes to the developer. Apple's Appstore pockets 30% while developer pockets 70%, that is great. One developer might have a client base of 5,000 for their app, but with 20 developers that goes up to 100,000. A developer would have access to the API to embed the payment solution in a website, mobile app, or PC app. I'm starting this thread for discussion into this venture. If the discussions are successful, let's make this a reality! If not, then I'll repost and repost until this idea makes sense, coz I'm yet to see how it doesn't. O_O
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