Nairobi, July 15 -- When technology first allowed people to interact with their family members, colleagues and friends in different parts of the world through internet-based applications and platforms ("Apps"), none of us ever imagined the ease with which we could conduct business using them.

In fact, the growth of technology has been tremendous and has influenced online business operations which have also been propelled by mobile money transactions. Mobile money and online money transfer platforms serve as perfect examples of where technology eased financial transactions traditionally conducted through physical exchange of money or telegraphic.

The world today is characterised by users of Apps who purchase services and commodities from s...