Simpay

Problem 
In this era of digital age there is almost 43% of the world population who are living without the access of internet. Use of online banking and payment techniques will ease their payment difficulties.
Key
Before 4G and use of application based software in mobile systems we used service through which we used to recharge our mobile services that didn’t require any use of internet services or smartphone. We can use a similar idea for the payment services or cash transfer services. We can use LAPU (Local Area Payment Unit) for cash transfer or payment services which were used before for mobile recharges. A person can keep his SIM enabled with LAPU service so that they can pay their required amount, which will require his phone number i.e. linked to their bank accounts. The cash will be debited and credited directly to their bank accounts through mobile numbers. 

There are people who aren't able to use smartphones, internet or broadband services. Thus they are also not able to use the online payment or cash transfer services which comes with many benefits for lay man. LAPU services for payment or cash transfer services will ease their life and solve their problems for payment and banking issues.

This solution will solve their payment and cash transfer issues. This won't need them a typical smartphone or any knowledge of using a mobile app. This solution won't require a internet or broadband connection. Whereas will help them to carry their business or payment services during this pandemic.

There are people who don't own a livelihood to use or buy a smartphone or live in some remote village where they don't have any internet or broadband connection to carry their business or payment issues for which they might have to rush to their banks for such purposes or even have to cancel such problems. This solution will solve such problems.