That’s right! The idea for NALA was totally shaped by these conversations. I wrote a short post about how NALA was born that provides a bit of insight into some of these interviews (https://medium.com/nala-money/how-we-built-nala-e40a0e3e9ac3).

The most obvious take-away was that sending money via USSD really isn’t user friendly at all (takes a long time, have to memorize unique and sometimes complex payment codes, etc.).

Another take-away was that users have multiple sim cards (each 'bank' account may be tied with a different sim card). So having one interface to actually make and manage payments could prove extremely valuable.