= "using blockchain technology to facilitate lending circles with smartphones".
URL = https://chamapesa.com/
""Another Kenya-based project making use of Kenyans' high rates of adoption in mobile banking is Chamapesa, which is using blockchain technology to facilitate lending circles with smartphones. The organization has pointed out that it is not trying to change any core behavior, but rather is using blockchain to facilitate this type of community finance scheme — in one tweet, it said "We're not changing Chamas behaviour except that instead of using paper books were going to be using smart phones."" (https://www.shareable.net/blog/10-blockchain-projects-to-keep-an-eye-on)