Mobile banking for Zanaco is a great move but personally I feel that a banking app for them wasn’t a great strategy for this reason. 64% (est) of Zanaco Acc. Holders are Xapit users and majority are not smartphone users now as we all know xapit has a USSD code which gives you about 60% similar features as this banking app does. From 64 you less 100 meaning 26% are the savings, current Acc holders, etc. Now it obviously costs money to develop that app so unless Zanaco has a strategy to grow its current/savings Acc base then and only then would this be a great success.