Mechanism ipo, ndo kama walichofanya. Bahat mbaya walikuta alishaitoa. But angekua hajatoa wangekurudishia. Again na ww tumia akili, inawezekana pia huyo mtu alikua anasubiri hela kutoka somewhere so hakua na shaka. Na pili, we unashindwa nn kumpgia umuombe akurudishie, sio kila mtu mhuni kama ww!
Kitu ambacho hakiwezekan pia ni voda kuzuia mtu aliyepokea hela eti asitoe kwa muda flan kwanza coz hiyo huduma sasa itakua sio efficient, itakua ina time lags na itakua haijasolve tatizo linalomaanishwa kuwa solved na huduma za e-money! E-money has to be instant and money received at real time when such amount is sent. Haitakiwi ku-hang yan haipo kwa mtumaji wala mpokeaji.
Narudia ushauri wangu kwamba kama mtu amepokea hela kimakosa na akatoa basi angalau awekewe shimo/deni kwenye akaunti yake ili akipokea hela nyngine akatwe! Ndivyo hata benki wanafanya ivo kama mteja atawekewa hela kimakosa na akaitoa/tumia.