How interesting. Thanks for your response.
I was one of those start ups, though because I'm based in the UK, IO can offer Paypal and credit card payments...I was never able to reach the expat community tho...and it's such a hassle to know you owe someone a favour because of extortionate prices in Ghana or the cost for inconvenience of sitting in traffic towards Accra Mall and such like...
I still believe in the idea - if only broadband would be cheaper and I have a way to alleviate expat fears....