I am thinking that even the apps out there are still confusing for people to use.
Sure many people may own a mobile phone but many do not understand how they work.
people used their phones only for youtube and social media nowadays.
we need to educate them about mobile finance first.
during these pandemic situations, it should be boosted up because online/cashless payment can support physical distancing (covid-19 protocol).
when mobile finance already becomes casual, then they will find alternatives.
people usually will learn it by themselves when they found it as a hidden gem.
we need to educate people about eating. why do they need to eat, how to eat, what can be eaten, etc.
and when they understand about eating, they will find and choose what foods to eat.
we need to educate people about the root first, mobile/internet finance.