Vijay Singh is an immigrant worker from Bihar who came to Mumbai three years ago and currently works at a construction site. His family, consisting of his wife and two children, still lives back home with his parents. Initially, Singh would send money through someone who was travelling to his village from Mumbai or via money orders from the local post office. While sending cash, there was always the risk of it getting lost and given his long working hours, getting to the post office in time was not always possible. Needless to say, there used to be several delays in the cash reaching his family and Singh would have to pay 5% as commission charges on top of everything else. But then he noticed his friend Mohan using his mobile to transfer money instantly to his family back home through Vodafone’s mobile wallet service m-pesa.
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