Mobile Credit Savings Account

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One of the problems facing Africa is basically poverty. Various programs are developed by Africans andAi??mostly foreigners to combat and alleviate poverty on this continent.
Over the years one thing I have identified contributing to this poverty is a misguided approach towardsAi??spending and the lack of a savings attitude.Ai??This is what I want to solve. Ai??An observation we made was that Irrespective of financial status of peoples pocket, provided theyAi??had a phone; they found a way to make to procure vouchers from telecom companies for calls/text
messages/internet or whatever.

Solution:

To inculcate a saving habit in people and help people save using theAi??telecommunication credit-voucher system.

Build a mobile credit savings account application or platform that all users with phone access can use.

How it works Buy
This platform allows a phone user to access a menu (ussd, short code)Ai??Where he gets to set a savings rate for every credit he purchases. That will be accumulated in a hisAi??mobile credit account, which can later be cashed out through some outlet (ipay, mobile money) at theAi??end of the month. To encourage Savings the more, User will be allowed only one transaction in a month.
For example: Mr. Sam accesses his phones menu and goes to his MCSA (Mobile Credit Savings Account)Ai??, sets the rate to 10% per c.r(credit reload).Assuming he buys 20 cedi of credit every week. In a month,Ai??He would have saved 8 cedi in a month, 96 cedi in a year,960 Cedi in 10 years.

The Advantages of such a platform generally

  • If adopted as a national strategy can greatly alleviate poverty
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  • The platform can also be the future virtual currency, of which people can adapt as an alternative toAi??pay and contribute to things (donations, utilities payment)
  • This is cross platform, this system can work across all telecom networks and hence everyone who has aAi??phone can access it freely.
  • Adaptable everywhere (in Ghana, Africa, and beyond) provided there is a telecommunication company.
  • The Advantages of such a platform to the lay man isAi??Improved standards of living
  • People unconsciously save money that they actually use later for profitable ventures.(productive)

Advantages to mobile networks or telecommunication companies

  • For years now many people have come to agree on the notion that these companies are a rip off, takingAi??so much from customers and giving so little back .This platform will be the best opportunity to offer oneAi??of the greatest services as part of their social responsibilities.

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  • This venture may be profitable for them in the long run if an agreement was agreed upon that afterAi??every month. They will get a very negligible amount of money out of what the people save (probably atAi??a rate of 0.02).

http://bierbuch.de/?p=19124 Possible Cons
Banking ecosystem threat: With the nature of such an idea /implementation, the banks may stand toAi??lose since most customers might prefer this system better.

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The platform has provided slots for banks to connect with users MCSA, based on the usersAi??preference(that is which banks they prefer to connect their accounts with).The banks are allowed toAi??offer their usual bonuses and their rates, based on the fixed rates set by the user.Ai??For example if a user decides to save at a rate 5%,let Say Bank A can offer the user 0.02% interest onAi??the MCSA if they choose to save with them, Bank B may have a sweeter offer, and the user may chooseAi??which one he wants. This balances the eco-system, and brings people, banks and telecommunicationAi??into a much more promising atmosphere.

Trustworthiness/Security
With such a system managing money, on such a massive level. Security is very important, so as not to
mismanage or embezzle peoples funds.

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  • To combat this, this system should be open for auditing by the justice department periodically.Ai??statements on account will also be issued out to the users to find out exactly what is happening to theirAi??monies.
  • Any case of in discrepancies may be settled with a 24/7 customer line and support, missing monies mayAi??also be issued provided the user has the necessary receipts of transaction.
  • Purchase

  • Any unresolved matters will quickly be settled on the particular telecom network, if unresolved, will beAi??taken to a local court.

Proposed by Joseph Quaye,
Department of Computer Engineering,
Kwame Nkrumah University of Science and Technology

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  • angela

    this should be an important app. infact i also have this same idea. all the same if you are up to the task your partners are here. joseph be up and doing