Cellphones have long since become just another payment tool very much like cash, credit or debit cards, transfers, and checks. Applications like OkCredit exploit these features and allow customers and business-owners to pay and receive money for items or services provided.
Ask your bank for credit and pay with your cellphone
This application that works in India is useful for users to ask their banks for money and pay in different stores. At the same time, for business owners to be able to receive payment for their transaction: the customer receives a message with the requested amount on their cellphone and forwards it to the business owner. Both of them, of course, need to have the application on their devices.
It can be used for different services such as food stores, mobile top-ups, pawnshops, pharmacies... the app works with different Indian banks and guarantees 100% transaction security.