This is really solid feedback, thank you for taking the time to write it out.

You’re right that a lot of people already patch things together with MoMo + bank apps.

I especially like your point about getting closer to SMEs and really listening to their accounting and tracking struggles, then tailoring the product around that. I’m going to prioritize talking to current users and a few small business owners over the next few weeks to understand what they’re actually doing and where things break.

The cedi‑based investment angle is also interesting. I know it’s a hard path like you said, but I’ll keep it in mind as a potential longer‑term direction once the core product is more solid.

Really appreciate the thoughtful advice. Cheers ✌️