Think a separate way besides banking to pay friends and others while they are either offline via phone numbers or citizen ID would be great! the way we pay now would 100% still be the main way people pay but for example if you owe your friend money and you wont be around when he wakes up you can send him it via the app and he can get it when he hops back in.
other ways this app could work is people for business or just needing amounts from people could request it via the app allowing people to see what others want and either decline it or send the money this way.
companies that have ongoing arrangements (using facility's or machines ect ) could easily request the pay without the hassle of hunting someone down and causing agg for all or in my case with my debt business I could send invoices for the payments due.
here is a crappy render to help explain because I suck at conveying things
other ways this app could work is people for business or just needing amounts from people could request it via the app allowing people to see what others want and either decline it or send the money this way.
companies that have ongoing arrangements (using facility's or machines ect ) could easily request the pay without the hassle of hunting someone down and causing agg for all or in my case with my debt business I could send invoices for the payments due.
here is a crappy render to help explain because I suck at conveying things