Tukiachana na mobile money platforms, je Tz tuna any other payment processors?

[luse]

Kadri dunia inavozidi kwenda ndo jinsi technology inavozidi kukua. Sikuhizi the most popular mode of payment duniani ni cashless. Yani mtu mnafanya biashara bila kupeana ela mkononi. Na a popular form ya kuaccept payments ni kwa kutumia a payment processor. Hii ni very helpful kama unafanya biashara na watu outside of Tanzania.

Kuna many payment processors, ila most of them either hazi-accept nchi kama Tanzania au hata kama ukiweza kufungua ana account with them, ni ngumu kureceive payments au usability yake ni very clunky.

One of the most popular payment processor ni Paypal, sema ndo hivo you can only send payments ila kwa Tz huwezi kureceive payments. Ingawa a lot of people wameraise this issue to both Paypal and the government ila, nothing seems to be done so far.

Another great payment processor ni Stripe, this has been touted as one of the easiest payment processors to work with. Sema issue yao ni kwamba hawa-accept any users anaetokea from an African country so far, which is unfortunate. Ila wana a service inayoitwa Stripe Atlas (Stripe Atlas: The best way to start an internet business) ambapo mtu unalipa USD 500, na wanakufungulia kampuni ya kimarekani, bank account ya marekani, unapata na Tax Id ya marekani. Hapo sasa ndo utaweza kutumia hiyo platform ya Stripe.

Sasa kulingana na hiyo gap in the market, kumeibuka na alot of payment processors ambazo zinajitahidi to cater to the African market.

Nitazitaja chache tu.
Nigeria wana Paystack (Paystack - Accept Payments Online ).Naweza nikasema hii, inafanana na Stripe in terms of usability na ease of use.Shida ni kwamba wana-accept only Nigerian users at the moment.

Tukija Kenya, payment processors zipo nyingi, kuna Pesapal, Lipisha, KopoKopo, JamboPay n.k
Most of these wana-accept Tz users.

Tukirudi Tz, kama unataka u-accept payments online, inabidi utumie mobile money platforms e.g Mpesa, TigoPesa na AirtelMoney. Sema limitation inakuja kwenye situation kama mtu akitaka kutumia kadi ya benki kukulipa. Hapo ndo inabidi u-search for other options ambapo am guessing ni kutumia hizo Kenyan companies or something else.

Sasa the question is, kwanini na sisi Tz hatuna our own homegrown company ambayo itawawezesha watanzania ku accept payments za aina mbalimbali online,whether ni mobile money au credit cards?

Je shida ni willingness ya developers, the complexity of the project, au regulation ndo inasumbua?

Kama ni willingness ya developers, inamaana nini ndo kikwazo, je out of all Tz developers hamna mtu/watu ambao wako motivated enough kujaribu hiki kitu?

Kama ni complexity of the project, mbona wengine wameweza, kwanini sisi tushindwe?

Kama ni issue ya regulation, nini unadhani kifanyike ili kusaidia project kama hii ili iweze ku takeoff?

 

[Joseverest]

Mkuu nadhani ni muamko wa kuchangamkia fursa tu bado ila ingekuwa vyema wataalamu wa haya maswala wakaianzisha aisee

 

[HIMARS]

Sijui hata miandike nini

 

[YALE]

Programmer wako bize na Hela za Madafu za Adsense bongo hapa sijaona kabisa yani kumtunia tu mtu pesa outside via Card yako ni mpaka uhangaishane na banks wairuhusu, Tuko locally sana sijui ni swala la Elimu na Muamko, Pesapal iko njema

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[Ludanha]

Hatutaki kuumiza vichwa

 

[Bbade]

We are too comfortable to grow...

 

[FRESHMAN]

sisi tunapenda sana comfort zone

 

[Kalaydo]

IT MASTERS mnaitwa hapa.....
Mukuje mutuelezee nini shida!!!!

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[Kalaydo]

Kibongo bongo we are all waiting for outsiders/foreigners to come and push us to do.........
Hatujazoea kujiongeza ILA UOGA wa kujaribu na pia UTHUBUTU unatusumbua.
Ngoja niwahi kibaruani nsije kutumbuliwa!!!!

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[Squidward]

ingekuwa mbele watu washaandamana kitambo kutafuta haki yao kuhusu hili. ila bongo ukijifanya kuuliza sana utaishiwa kutekwa tu.

 

[Lodrick Thomas]

STEFAN mtangoo Graph NullPointer Software Engineer

 

[luse]

Sijui hata miandike nini

We sema chochote kile mkuu, ni nini maoni yako kuhusu hii?

 

[luse]

We are too comfortable to grow...

But we need to change, lasivyo tutabaki tukisubiri watu wengine ndo watuletee new things.

 

[luse]

Programmer wako bize na Hela za Madafu za Adsense bongo hapa sijaona kabisa yani kumtunia tu mtu pesa outside via Card yako ni mpaka uhangaishane na banks wairuhusu, Tuko locally sana sijui ni swala la Elimu na Muamko, Pesapal iko njema

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Hahaha mkuu umenichekesha ulivosema adsense. Ila sidhani kama swala ni elimu. Maanake nauhakika hivyo wanavyofundishwa hapa ni almost the same na wanavyo fundishwa Kenya na nchi nyingine. Labda difference itakuwa kidogo tu.

Sema hapo kwenye muamko nakubaliana nawewe, na hilo si tatizo la developers wabongo tu, bali la watanzania wengi nchi nzima. Hatujui kutake initiative!

 

[luse]

Kibongo bongo we are all waiting for outsiders/foreigners to come and push us to do.........
Hatujazoea kujiongeza ILA UOGA wa kujaribu na pia UTHUBUTU unatusumbua.
Ngoja niwahi kibaruani nsije kutumbuliwa!!!!

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You might have a point. Tumezoea kukaa in our comfort zone, we rarely ever step outside of it.

 

[Mtangoo]

Kabla ya kulaumu wataalam pls kasome Electronic Money Act na policy zote zinazosimamia Payments halafu ukirudi uandike comments zako.

Sio kitu rahisi kama wengi wanavyodhania.
Msipende kuwasema vibaya wataalam wenu, tabia mbaya hiyo.

 

[luse]

Kabla ya kulaumu wataalam pls kasome Electronic Money Act na policy zote zinazosimamia Payments halafu ukirudi uandike comments zako.

Sio kitu rahisi kama wengi wanavyodhania.
Msipende kuwasema vibaya wataalam wenu, tabia mbaya hiyo.

Noone is blaming anyone, ndo maana in my post nikaishia kwa kuuliza, kuwa je issue ni willingness ya developers, complexity of the project au regulation?

Ndio i understand kuwa its a complex project, and its not something a sole developer can go at it alone. Na i understand how different regulations in our country can be messed up. Ila at the same time mbona through the same regulatory framework, bado kampuni kama Maxcom Africa na Selcom zimeweza kuthrive. Tena naweza kusema the technological infrastructure is already there, kwasababu companies like Maxcom Africa wasingeweza kuintegrate a payment gateway at the Dar es salaam Stock exchange ambapo mtu unaweza kununua shares online kupitita your mobile money wallet au bank card.

Unless there is something am missing, sasa what's stopping other companies from doing the same and offering the service to individual end users and not companies or government agencies only, even through an API. Kwasababu na uhakika the demand is there.

 

[Mtangoo]

luse pitia comment hapo juu utaelewa maana ya comment yako. Uwezekano wa kufanya upo. Wataalam wa kufanya wapo. Nia ya kufanya ipo. Mengine siyo ya kuweka hapa. Nukta!

 

[Tajirimsomi]

Sio kipaumbele cha watanzania maskini hizo ni anasa

 

[black person]

Nlienda china nkatumia wechat pay.....tangu nmerudi najiuliza hili swali kama lako.....naendelea kusubiri atakayetuletea...

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