Bus Crew paying 3k for Covid test

If have been to Kigali, and taken a matatu, you would have how it works. You don't have to pay via mpesa or any other electronic means. You pay cash kwa kibanda and someone tops up your card (tokens anyone?) or the makanga uses his card to swipe for you.
that does not make any economic sence at all, why do I give you cash, you give me a card that will charge me transaction fees every time i use it? Kenyans cannot be duped into that
 
that does not make any economic sence at all, why do I give you cash, you give me a card that will charge me transaction fees every time i use it? Kenyans cannot be duped into that
Cards don't charge the consumer, they charge the shop in this case the matatu a small fee I think 3%. I'm sure you will tell me you don't want anyone to be charged, and I'll answer handling cash has its costs e.g conductors buy coins at a fee so they can have change, na at the end of the day once they give the matatu owner their days earnings, he has to send it to his bank either by going there himself (there is a cost to that) or by mpesa, another cost.
The only reason this has never worked is coz. matatu crews like handling cash so they can skim off the top
 
Cards don't charge the consumer, they charge the shop in this case the matatu a small fee I think 3%. I'm sure you will tell me you don't want anyone to be charged, and I'll answer handling cash has its costs e.g conductors buy coins at a fee so they can have change, na at the end of the day once they give the matatu owner their days earnings, he has to send it to his bank either by going there himself (there is a cost to that) or by mpesa, another cost
it is an inconvinience to the person spending, and those are the majority. if a matatu carrys 150 pax a day, does it make economic sence to have a card for the convinience of just two are three people? besides the matatu is a business and every business has an operating cost, in this case buying the coins for a small fee which might be cheaper than the cost of the card (150 pax X 100 bob = 15,000K, 3% fee is 450 which to me is a very high cost of using that card even to the matatu owner [I hope my math is not wrong])
 
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