uKheshe: An app for the unbanked

Mobile payments and digital wallets have been on the rise in South Africa over the past few years and, most recently, Samsung Pay and Fitbit Pay were introduced. These services allow anyone with a smartphone or wearable device to load their bank cards on to a digital wallet. This is arguably safer than a physical wallet and enables users to scan a QR code and make payments or, in the case of device-specific services such as Samsung and Fitbit, tap and pay as though they were using a physical bank card.

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