I don not understand this. My only question is why? This seems to be one of these tools the author thinks is really good, but in the end nobody will use a tool like this.
_If_ it was an amateur engineer it must have been both a crazy and a skilled motherfucker. The bottom scrape did probably occur when the submarine did hide from the Swedish navy.
Here in Uganda where I currently live mobile banking is used by pretty much everyone. Mobile solutions like m-pesa and airtel money is used by most of my Ugandan friends.
From what I have seen some of the main advantages of mobile banking are: 1. You can manage your account with any phone. Most people here just use gsm phones.
2. Opening an actual bank account is expensive. Not expensive from my western point of view. But from the perspective of local people it is.
3. It is easy. Mobile carriers are everywhere. And since cash is still the way of handling most money transfers it is very convenient to be able to, even when you are in a village in the middle of nowhere. Go to a place with the "airtel money" sign and get cash so that you can buy that roasted cassava.