lol@Axmed Dhancade

You sure you were not possessed by Jinns, or you are in the process of becoming an Awliyo

Ha la soo qabto ninkaas

Innaa Lillaahi Wa Innaa Ilayhi Raajicuun, samir iyo iimaan sxb adiga iyo ehelada dhammaantood.

Nimanka Soomaalidaba waa softie oo qalbi naxariis leh yaa Ibtisaam

I agree Juxa can be great model Ibti, I know one sister who is already a model, laakin she is like a stick, too caatoos fargeeto, she can't even finish one glass of water. This girl ayaan dhaweeto she was doing Muslim modelling thing at da University College Dublin. haye let me know if you need her phone to talk to, waa kugu soo xiraa.

^^^ Gheele Gaaxnuug called me qalbul bir mar hore, qushaash iyo yataabaat buu iga rabey inaan afarta geesood u seyro, hada ka horna musuqmaasuq buu iigu yeedhay EDIT: Xiinoow, Libaax baad ka xanaajineysaa lool

Djbouti is only half a million or less, what is your point!

^^ lool@Ibti, you really doin it well, waaba Afjinni nooc kale ah, honestly, anigana waa inaan intaas oo kale soo qoraa hala wareeree bal noo fur thread af jinni ah ehehe

^^^ waan wareeray afjinni ma ahan, muxuu yahay wuxu

Du'aalena lama qaabilin, Maxamedna waa la qaabiley!

^^ lool@tacjiimu lughah, waxaad dooneysaa xagaa iyo Sarfiga inaad igu leexiso, kaa diidey se hade se waanu is fahaney meeshaad eraygaas u wado ee dagaalka jooji niyahow

Ceelgaab baad i xasuusisey, ala maxaa Yoobsan dad wada shaxaad doona taagnaa PS: Raggii kale aawey, waryaada, bal mar labaad keena barxada waxaad la aamusneedeen illaa iyo pagekii sadexaad lol

Lii-Ka Shing, all I know is the M-Pesa was developed in the UK, and Vodafone company provided the software platform for Safaricom, this is to say that, Vodafone earns their share of percentage of every transaction or depositted money, and that percentage is not a small one. Maybe it is an idea needs to be transported to other parts of Africa, I heard Somaliland Telecoms are thinking of similar service as of that of M-PESA. I don't think South Africa will appreciate such services, maybe they are using advanced systems than that of safaricom, and the other thing is, their banking sector is way too ahead as dat of Kenya which strugles to have customers, the largest bank in KENYA got only one million customers.

lol@haduu xiin la yoobtami lahaa xarafkaan yeeleyne, oo Yoobtan iyo yoom, sida maxaad iila yoomeysaa(yoomtami) ma isku midbaa mise yoobtankaa xoogaa farsameysan oo nuxur ku jiraa, ma aan maqal yoobka wali!

Ya reet Xiin yesmac hadalka Ya nass carabi yanaan ku gabyin Yacni wixiino ma qasab ba Ya yedhi NGONGE wax ma yaqaan Yarantaydee gabay man aqoon yeelkiid hadan wax tufaya Yemkin en aad wax iga fahantan ama af yoonan idin ku noqda lol@Ngonge AT&T, looool, war ma inaan af Tigranya soo dareershaad iga rabtey oon Xiin ku asqeeyo, waan u jeedaa meesha waxa ka dhacayo, meeshu waxey noqotey tartan adiga iyo Xiin oo kaliya, taasna xaq ma ahan, ninkii Libaax ahaa yaa ka saarey meesha(Xiin baa yiri dhaawac baan ku sii daayey), qofna kama saarin, Jaceylbaro isagana yaa reebay, qofna ma reebin, Hunguri mee, Paragon xaguu qabtey, Buuxo meeday, idinkaa la idiin nacey, nuune asna arbaciina yawman unbuu maqanyahay oo kaliya ee ma uusan seexan. marka tartankiinu waxba kama jiro illaa threadkan siduu ku bilowdey lagu celiyo mooyaane oo ragii gabyi lahaaba labadiina ayaa la idin kaga kala yaacey(ya'dan waa Russian). ugu danbeyn, adiga iyo Xiinba waad isku daasheen, waxaad ku daasheena looma jeedo PS: AT&T, concerning about Gheelle, I hate to disagree with you, Gheele hiilis ma wado, abadan, anaa taas kaa hubo ka noqo hadalkaa, taas micnaheedu ma ahan inaan leeyahay Aw Muuse ayaa hiilis wado, Aw Muuse waad challenge gareesay inuu keeno da none existance words in ur verses, or rather inuu asna gabayga soo galo oo wax un keeno, waan ka war sugeenaa saaxiibkeen Aw Muuse.

Sxb, good analysis, the scenario you mentioned about Safaricom is quite simple sxb, I know of this in existance, take for example a top up credit card, you probably heard of this service, it is different from bank credit cards, and banks have no control over it, usually you just top up this card(which u signed up) by whatever amount of money you want(there is ofcourse maximum allowed), and you get 16 digit visa credit card number with expire date and secirity code(similar to normal credit card, visa or mastercard etc), the freedom of this is you are not associated with any credit card company or bank. So Safaricom customers, they usually deposit money in any safaricom kiosk as you said, the top up credit card is more convenient, you can top up anywhere you like and fill ur virtual credit card which will have all the features that a normal credit card will have, the top up card though charges small fee when depositting money in it, about 2 Euro or less than 2 dollars. That si one example about the virtual bank/credit cards etc. I am not aware, or haven't heard or seen, where this new thing is capitalizing on the weak and outdated banking bylaws!

Now a mobile wallet user can basically withdraw money from an ATM without essentially having a debit card. This is kinda unique in the sense it allows a mobile wallet user to come and access the ATM without the need for a bank card. It is not a new technology, it is being used by some countries for many years, though it is being described as a stupidh invention, because you still need to stand in front of the ATM machine messing with your mobile phone to withdraw money, inserting your debit card would beinb easier ten times!!! To my knowledge of mobile banking or wallet money as they call it, do not require users(mobile phone users with this value added service) to setup a bank account, You cannot use the technology without having a bank account, the transfer feauture will need you to have a bank account to get the money from and to, to buy airtime needs also to have a bank account in hand, so as any other services u wana use on da mobile. It is not a competetion, it is the banks themselves making things easier for customers to do their daily life and so on, also the mobile phone service providers get their share of profit from the banks since they are handling the technology, it is the banks though which provided the software programmes to run on the mobile phones, and mopbile service providers charge the banks to carry the job. That is another angle I looked at it!

Libaax, gadaashaa Xiin wax gabay ah muusan tirin, qunbuladaad ku ridey ayuu wali la maqanyahay

Actually Aw Muuse balaayuu soo wadaa, bal aan sugno gabayada uu soo tirin doono, ninka maba sahlana!! Ngonge, I would have loved to see Aw Muuse writing his review/critic in Somali, then we would have known his deep knowledge of this field. Xiin waa maalintiisa today

Aw Muuse Ismaaciil Innaa Lillaahi, bas weeye, Gaaxnuug dib danbe halkan ugu soo noqon maayo haduu akhriyo your review. Wlcome Aw Muuse, halkan ayaa lagaaga baahnaa niyahow waad nagu soo daahdaye

^^ Marx, oo maxaad Northern Somalis uga saarteyna listiga, put them number 11 and you won't see people ganging up on u

^^ Xamarweyne

Chokolate, whenever dat happens, immediatly akhriso suuradaha qulwalle iyo qul acuuduyaasha, that will help alot. also before u go to sleep, akhriso athkaarta hurdada iyo aayadaha quraanka sida aayatul kursi etc It is da best medecine