Local mobile money service Nettcash has been on the offensive lately. From signing off on a partnership/sale with Mozido, to introducing new services like bill payments and selling ZESA prepaid tokens. It’s really putting on a strong business case. One other new aspect from the outfit is its new Android App.
The main features of the application as highlighted at the launch are the selling of ZESA prepaid tokens, payment of DStv (including Box Office), and other utilities like insurance (currently its only Doves that’s been signed), in addition to buying airtime via hot recharge for all networks and the usual account inquiries.
Outside of the NetOne OneWallet mobile payment option, this is the only other application that allows you to purchase ZESA tokens.
The application is simple and easy to use although it carries the same “send to registered or unregistered option”. I’ve always wondered, wouldn’t it be simpler to just transact and the system determines whether or not the receiver is registered?
The system does not indicate the name of a registered receiver for confirmation, a function on other mobile money services that has always helped avoid sending money to the wrong person. Should one make that mistake, they will either immediately collect the cash themselves before the recipient or request a reversal via the helpdesk.
The language used in the app could be more professional or business-like. For example instead of “Do Payment”, they could try “make payment” or “continue to payment” and so forth.
Though simple and straight forward, all of the start menu in an app must fit on the screen of an average smartphone display without having to scroll down especially when there are no automatic sidebars. Users don’t want the extra step of looking for an exit button. Opera mini apps have already improved on this.
The app on first login offers to remember your password. I personally think this is self-defeating in applications. It is better for an app to have no login at all and just have password prompts per transaction rather than include or store information that should not be visible.
The use of SMS reporting for an app has a higher risk of exposing the user to third parties. The account history on this particular app sends an SMS to the user without even requesting for a password. The technical team should find a workaround for this one.
This is a good app if for nothing else, only for the ability to purchase ZESA. The clarity and the simplicity of the application provides an efficient user experience. There is no need to guess fees and costs for example, the bill payment option displays all the information before you hit pay.
However, the application uses data and its uptake and usage, like any other app in Zimbabwe, will be slowed down by that reason, unless they are able to zero-rate or subsidize connection (let’s not get started on Net Neutrality here). You will require airtime in your phone or other connectivity options for you to buy the same airtime. Like your car, you just have to make sure your gauge doesn’t reach zero before you top up.
While using the app, several transactions have failed at different occasions without giving a reason. A simple “transaction failed” comment is displayed with no explanation or error code which could tie in with some comments that said that the system is unavailable at times.
The application is a good solution for the ZESA and airtime retailers scattered all over the suburbia as it literally acts as a virtual POS replacing the ZB bank and POSB terminals at various kiosks.
For these reasons, and a few fixes and updates, I would use the application and recommend it to any token vendors. You can find the application on Google Play by following this link.
What are your thoughts on the application?