Showing posts from October, 2020

A Dog's Breakfast

  The blogger is the Co-founder of Bayfikr ( ) - a mobile platform giving expats and immigrants the ability to get home country VAS. He graduated with an MBA from London Business School and has been remitting money to Pakistan for the last 8 years. He is on a mission to change remittances forever.   A Dog’s breakfast is a British phrase used to describe a complete mess.   If you are reading this and live in a developed country, there is an 80% chance you own a smart phone, a 90% chance you have setup a direct debit for at least 1 bill payment and a 95% chance you use your smart phone for your banking needs, including P2P transfers. If you are a white-collared worker and remit money, 9/10 times you will use your banking or MTO app (Western Union, Transferwise etc.). If you are a blue-collared worker however, you will only use your phone 4/10 times to send money; even lower if you are in the GCC. No convenience, no control, utter confusion Imagine you are a Pakista