Outsourcing is such a used and abused word in this day and age, its practically become a cliche. All we imagine is Patel on the other end of the phone (or Bob as he calls himself) offering computer support. Rejoice for Skype Prime is here. Skype Prime allows you to charge people who call by the minute (or by a one-time fee). Skype bills the caller via their Skype credit, then pays YOU - minus a 30% fee via PayPal.

Imagine the possibilities:

• Tech Support
• Accounting Advice
• Relationship Advice
• Sex line
• … get creative

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Safaricom, Kenya's most profitable company has launched a major disruptor… M-PESA is a new money transfer service in which ordinary SMS (text messaging) is used to initiate a transfer. Kenyans will deposit or access the money through Safaricom agents like supermarkets or shops situated all over the country. They can can then send money to other mobile phone users via SMS even if they're not Safaricom subscribers.

Only Safaricom subscribers can send M-PESA, but anyone who can receive an sms can receive money by MPESA. Customers do not need to have a bank account to benefit from M-PESA services. 

This service is the first of its kind in the world, and frankly I'm quite surprised (and pleased) Kenya was the country chosen to test such an innovative new idea. I call this a disruptor, because it could have a major impact on traditional money transfer services like Western Union, Moneygram and the newly launched PostaPay.

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