Mobile banking, while convenient in many ways, often came with certain challenges. For instance, sometimes, when I wanted to pay a bill or transfer money to someone, I had to first withdraw cash from my bank to my M-Pesa account as different businesses often have their own specific modes of payment, and sending money directly didn’t always work for all. The difference with MiniPay, however, is that even if I have to withdraw to M-Pesa, it’s completely free. So, unlike traditional banking services, it doesn’t hurt to make those extra transfers or transactions because there are no fees eating into my funds.With Pretium on MiniPay, I no longer have to worry about these traditional barriers. Pretium allows me to make direct payments effortlessly, without needing a bank account. All my funds stay right in the MiniPay app, and from there, I can seamlessly transact—whether paying bills, sending money, or making purchases—all in one place.