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Hi Tom, the transaction workflow demostrated on the demo video is just one of many workflows which can be implemented. We choose this one to demonstrate that data transfer can happen both ways between the POS and the mobile, otherwise the transaction can be accomplished in one step (Customer enters amount to be paid, and PIN on mobile app and then transit details to POS and payment is relayed to bank). The benefits are numerous (from an African point of view)

• A small percentage of people in African countries actually use credit cards, and mobile payments provide an opportunity to reachout to wider population.

• Customer will also save money from the huge credit cards fees

• There are other bank products where credit cards are not linked. A good example is bank ewallets, loyalty/incentive programs; Mobile payments can easly be integrated 
• The implementation of Agency Banking can be made convinient and much easier by using this approach of mobile payments
• Its an alternative approach to banking and give the customers another option to make payments. Not every customer enjoys carrying around cards