Yesterday I took an Okada to go buy Akara not far from my house. I wasn’t with any cash with me but I was hoping to use POS along the way.

We got to the place and time to pay the okada man Wahala because no POs around. I had to go a distance before I could see a POS man before I could get cash and pay the bike man.

It hit me that a country like Nigeria with all the fintech hype ongoing no company has been able to improve on MTN mobile money. A system where such small money payments can be done with our mobile phone without charges.

Cashless shouldn’t be only ATM card or large transfers but such everyday need should also be included in the plan.

Just imagine if you can just pay a bike man or market woman with a USSD code in a second?