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Do We Actually Need Prepaid Top Up Apps For Airtime Recharges?

New fintech app keeps popping up daily offering us prepaid top up. We are being enticed everyday with almost the same story with statements such as “top up your airtime with the app and get rewarded”.

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Someimes, the reward comes as free airtime while some comes with the offer of a higher credit limit on loans. Some comes with complete different reward other than the two aforementioned rewards. Something these apps developers are missing is that above everything else, what you and I need is perfect convenience.

This simply means, as far as things go, prepaid top up apps are redundant and will largely be neglected. Why?

Top up apps

Checkout this good example - I pick up my mobile phone, open the phone dialer app, dial a simple USSD code and my prepaid line gets instantly topped up right from my bank account. It is so easy that it is sweet. I am done within a twinkling of an eye.

On the other hand, if I were to use one of these apps, I would pick up my phone, open the app, and go through the process of selecting my preferred network and amount, before then completing the transaction using my debit card details.

That is a pretty example of what people tag as Israelites journey: spending 40 years to get to a 40-day destination.

Another challenge one might encounter is exhaustion of your data or lack of internet connection. Of course, you need internet connection for virtually all these fintech apps. This means, no internet, no top up.

Convenience is simply the king. But it isn’t a bad idea to ask, How much free airtime makes that convoluted process worth it? What users get as rewards for using prepaid top up apps is so minute that it isn’t worth the trouble.

Prepaid Top Up Is A Good and Profitable Business, But…

Make no mistake about it: prepaid airtime top up is big business all over the globe. But offering the ability to top up airtime via an app is superfluous.

The business is a very marginal one and so requires big volumes for anyone to get solid returns. But the banks have that covered: a quick dial of a USSD code and voila! Who needs an app? Certainly not me.

But perhaps I am different from most others. So, maybe these apps stand some odd chance of success. But if what we have seen so far is anything to go by, it is fair to conclude that offering the service via an app, as is being done on all sides today, is fraught with problems.

Yet, almost every fintech app that is introduced these days offers you a means of recharging airtime. Not to mention, a new deluge of white  label websites offering the same  service. Do they see something I am not seeing or are they just doing what they see everyone else doing?

Get creative, guys. This is getting ridiculous. Absolutely ridiculous. I do not need an app or a website to top up my airtime. I have a simple USSD code for that.

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