Single ops are going to prefer cash in the near term for various reasons - but they will be a smaller and smaller part of the pie as time goes on.

Single ops that want to become multi-branch SMEs will see that electronic credit (mobile, card) is good for growing the business, regardless of the fees.

Multi-branch SMEs that are growing already understand the value of paying the transaction fees (otherwise they wouldn't be growing).

--
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On Thu, Jan 9, 2014 at 11:18 AM, Mbugua Njihia <mbugua.njihia@gmail.com> wrote:
Adam,
Multi branch SME's vs single ops. Would be interesting to et the stats



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