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). -- Kili.io - OpenStack for Africa: kili.io Musings: twitter.com/varud <https://twitter.com/varud> About Adam: www.linkedin.com/in/adamcnelson 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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