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M-PESA in Kenya uses mobile phones and skips banks all together.

A bank account should be an option and not a mandate. WTG Kenya ! Wish you well... We should change the Shakespearean "First thing we do..." expression and apply it to Banksters...lol

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I like the Bitcoin solution:

https://8333.mobi/

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Wow. This looks cool. Got to love the Bitcoin future.

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"M-Pesa uses a centralized bank database and SMS technology to facilitate transactions. The service is operated by telecommunications companies like Safaricom and Vodacom."

Wow revolutionary.

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