[kictanet] PesaPal Value Proposition?

[Dennis Kioko]

A few more examples. Scenario 1 is easy and and more of a small
business scenario  scenario 2 is complex, more of a corporate use case for
PesaPal.

Most of you pay your rent by depositing cash in your landlord's bank
account.

The landlord may decide to start accepting payments by M-Pesa/Airtel
Money/Orange Money/Yu Cash/Tangaza. This can be done by you sending the
money directly to their phone. But if the landlord owned a number of 6
floor flats in Pipeline, meaning they potentially have hundreds of tenants.

Tracking payments and reconciling the payments from each M-Pesa message
will be quite a task, with errors. Again, they may not have an M-Pesa Pay
Bill numbers, which means that naughty tenants can M-Pesa him then call
Safaricom and reverse the transactions as erroneous. (Though this can be
avoided by withdrawing or transferring the money, or moving it to M-Shwari
immediately)

It will be easy for the landlord to use PesaPal and have the tenants make
their payments through the system. From it, he can have a list at each end
of day of who has paid and who hasn't, and what amount they paid.

The challenge here is that PesaPal charges a fee that most landlords might
not be willing to foot, something Liko can tackle by having tenants pay for
the service, since it's more convenient for them.

Scenario 2

DSTv accepts cash payments and even processes cards, if you go pay at their
outlets. However, some find it quite a task and postpone their payments for
a few days. It doesn't look like much, until you discover that postponing
your DSTv payments by 3 days every month sees you paying for less than 11
months of DSTv every year.

To increase their revenue, DSTv makes it convenient for you to pay your
bill from your sitting room, using your phone or credit or debit card.
DSTv, being an enterprise, already have a Client Relationship Manager which
tracks your payments and activates what you have paid for. This means that
they do not need an employee to switch off your decoder every month when
you don't pay and to switch it on when you do, it's automatic.

To maintain their automated operation, they'll need a system that sends a
message to their CRM when you pay. The CRM should know when you pay in
full, or halfway. Enter PesaPal, which has an Application Programming
Interface (API). An API enables 2 systems to talk to each other and thus
enabling their integration.

Now, you'll just pay your bill via M-pesa(and the others) to PesaPal, and
the DSTv system will immediately process that and reflect that in your
service, without any human intervention (ideally)
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