M-pesa cred

M-pesa is just but a life-changing miracle. How we're able to send money through mobile is a phenomenon worth the wide usage it safaricom enjoys. The idea of agents to me is the only limiting factor for m-pesa cause that renders it unusable when the agents are not there.
My proposition idea on this is the similar approach to how we top-up our credit account on our phones.

scratch-card vendor [photo from business daily]

There are a number of advantages of this idea if it were to be implemented.
1.  This could be an anytime transaction. We could be able to top-up our m-pesa accounts at any time of the day or night regardless of whether the agent has opened or not.
2 There would be no such a thing as 'float imeisha' or the other forms of nonsence you're told at an m-pesa agent when they don't want to do the transaction simply because it's not of much profit as withdrawing is to them.
just like you can send someone to buy you credit[airtime] you could be able to send someone to buy you a card for m-pesa top-ups. Personally i don't see why one needs an id to deposit money to any account of choice. Even in banks we deposit money to the account we feel like, and that has no security risk- i think.

There are disadvantages too.
First major setback is the cost of the cards literally, they have to be printed, transported and sold to distributors at a lower price than normal to leave a margin for the distribution to make business out of it, i don't think this is so much an issue since the amount we pay for other transactions that is sending, paying bills and withdrawing is already a handsome return to safaricom and the agents and so in my proposition safricom should easily forfeit profits on the service and leave it all to the distribution channel. The point is making m-pesa more popular even though it already is a in a major way. That translates to keeping their market share and innovation too.
Something else i think is the insecurity both to the people handling the cards and to safaricom. To distributors since they'll now be handling money more directly than just having the normal airtime which they can't utilize for monetary sell directly
. I honestly don't know a remedy to that but with time there definitely would be one or at least a better way of doing it.

used up scratch cards [photo from all things mobile]

Worst of all is the physical waste of the used cards. The damage to the environment would be terrible should we try that since the already existing scratchcards system is already a problem. But between mobile money and  the environment, which one people seem to need more?? m- money deff!

So now the question, would it be viable anyway??