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That is essentially what has already effectively happened.

Passengers are paying the drivers directly ( and the drivers then passing on the apps share on to them - the 30% in commission and booking fee ) because when the passengers pay outside the rideshare app, the app portion becomes payable to the app.

Passengers pay outside the app because mobile money is ubiquitous in Kenya (mobile phone to mobile phone micropayments called MPESA): it is used even more frequently than cash



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