Running a household may be the most important business of all however most do not manage expenditure properly. The difficulty arises from not being able easily track expenditure against budget & a disconnect between spouses knowing what the other is spending. Popote Pay enables all payments to be made using it, so records are together in one place. With its real-time collaboration spouses have visibility on the total expenditure happening in their household.

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Many Kenyans in employment also have some form of side hustle however most do not manage expenditure properly. The difficulty arises from not being physically present and therefore not in control of the movement of money. Popote Pay enables all payments to be made using it & makes it easy to track expenditure as all payment records are in one place. It is collaborative allowing payments to be either made by an employee of the side hustle or routed for approval to the owner, wherever they may be, thus eliminating many of the risks that occur due to absence.

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Micro business owners struggle with maintaining records of their expenditure & are often unable to tell if they are making money or not. They also usually have an assistant who they may find it difficult to entrust with finances. Popote Pay enables owners work better with an assistant while maintaining control over finances & maintaining bookkeping records which drastically improves the chances of success.

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Most SMEs start out of the owners skill or passion but with growth they find most of their time being spent on administration. Of these duties managing expenditure is the most time consuming. Popote Pay reduces the time it takes while improving how well it is done, so owners & managers of SMEs can get on with more important things

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Corporates have well defined systems in account payables & use accounting or ERP systems for requisition & approvals of expenditure prior to cash being handed out, cheques being written or bank transfers instructed. Popote Pay provides an API integration that empowers these systems to complete payments digitally

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Chamas in all their different configurations & goals are a great way of leveraging the power of many, however they often fail because of the difficulty in following up contributions & lack of transparency in expenditure. Popote Pay handles both contributions & expenditure enabling the chama operate optimally

Example use case

NGOs & aid program managers apart from needing to manage their own expenditure like any other business also have the task of distributing monetary aid however statistics show that the majority of funds never reach the grassroots level where it is meant to make a difference. Popote Pay cuts out middlemen by delivering payments to the final beneficiaries en-masse while making it simple for program managers to account back to donors

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Institutions both government & non-government often experience cases of fraud in expenditure, from pilferage of petty cash, inflation of invoices, collusion with suppliers & payment of ghost workers. Popote Pay curbs corruption in expenditure through a rigorous requisition/ approval process & traceability of funds to final recipients

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