“Times have changed and with change comes opportunity. Over the past few years, the face of financial payments in most developing countries has taken a radical change from a bank model to an MNO dominated model. This change has brought about financial inclusion to most marginalised citizens and has greatly brought efficiency in the payment industry. This article will focus on why banks mobile banking can never out beat MNOs mobile money and happy to get feedback in agreement or against with reasons as thease are pure my own views..’
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