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tags: rwanda
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# Batched Payments Rwanda

## Pros for going cashless:

- Easy access to your funds
- Fast transactions
- Everyone else is using it
- Has agents for cashing out everywhere
- Reliability
- There is a proof money was actually sent
- Sending money to someone who is in a long distance
- Pushing & Pulling money from a bank account using USSD codes

## Cons for going cashless:

- Tendency to overspend
- Internet connection problems
- Transactions fees

## When Batched Payments make sense (participant behaviours):

- Transportation
- One of the participants uses a motorbike to go to and from work, so creating some kind of a contract with a motorbike driver where he/she is getting paid at the end or beggining of the month would be interesting
- Automatic saving
- One of the participants has Mokash automatic savings, where Mokash takes already setup amount of money from you Mobile Money account
- Calculated spendings
- We can see in few user personas that they calculate the monthly spendings and only that amount is being transfered to Mobile Money for daily transactions
- 4 envelopes
- Behaviour that is worth mentioning is that one of the participants has 4 envelopes for 4 weeks of the month, so it mean that this personas calculates spendings noy only for the month, but also for the week
- High purchase transactions
- Buying expensive things via Mobile Money can turn out to be more then you expected because of fees, so paying for that via Batched Payments might be better
- Planning
- When participants plan their spendings, batched payments seem like a way to go
- Bad internet connection

## When Batched Payments don't make sense (participant behaviours):

- People don't like going through long and tedious processes for creating accounts, if signing up is a problem how are people going to create payees and contacts list manually?
- Personas avoid constantly transfering money from Bank Accounts to Mobile Money so they don't get charged any additional fees
- It's hard to switch to another provider because that causes difficulties with communication and not a lot of people use it

- Cash pros:
- Some people likes to phisically have the cash in their hands
- No fees
- Easier to track if participants don't check their online balances