"With our product, we are hoping to target nonusers and those who couldn't afford water purifiers due to affordability reasons and lack of awareness, " said Mr. Hiran.
Nearly half of mobile-banking users and 63% of nonusers said they would be hesitant about using a phone camera to make a check deposit, according to a survey conducted last year by Infosys Ltd.
M-PESA, launched in 2007, provides banking transactions without the need to visit a bank branch by using mobile phones and 19, 500 agents where customers can deposit and withdraw money, pay bills, purchase airtime and transfer money to other users and nonusers.