Enoma Odia of Sofdia System Nigeria in Nigeria will apply network marketing to promote the uptake of mobile money by offering financial rewards to merchants for recommending it to other merchants within their community. This marketing system leverages the communal style of living, where the residing merchants sell similar products and share the same language. When a recommendation to use mobile money comes from a merchant in the same community, and the rewards for referrals are shared between users, it is more likely to be accepted.