People working overseas send money to support their families in their home countries. Each year globally this cross-border money transfer goes in millions of Euros. In places where there are not many banks or agents to collect these remittances, Mobile Money or Orange Money would be a better option.

The web application or mobile app should be easy to use, offer quick mobile money transfer with a "money in minutes" service, safe and have a low fee to the sender. The web application should also be able to authenticate a customer's identity to satisfy KYC ( Know Your Customer ) regulations required for international money transfer. To make it simple to use, a sender can simply enter the receiver's cellular number in international format. The application can then verify the receiver, automatically calculate and display the sent amount in receiver's local currency with the best exchange rates. The sender can also be verified with his cellular account information along with other identification information.

This can also include a service to transfer money internationally from one mobile money platform to another done with a cellphone.

This will be particularly useful for people who send small amounts regularly to friends and family overseas.

 There are three aspects involved here:

1) A cross-border payment settlement program which can handle currency exchange.

2) An Anti-Money Laundering ( AML) / Compliance program required for international money transfers. To comply with government regulations there can be a limit of amount sent within a time period.

3) APIs that a money transfer service provider can use to integrate with the mobile money platform.

A good software platform for this application can be ASP.NET. An important requirement of an international money transfer control is security. A web application or mobile app should be able to secure customer personal and payment information and prevent hackers from trying to steal sensitive data. The application should securely register senders with a valid cellular number or username and password. Reward points can be offered to regular senders too.

Another inexpensive option would be to use Unstructured Supplementary Service Data ( USSD ) to send smaller fixed amounts like  €50 / €100 to an international recipient, just like it is used to refill the balance on a pre-paid user's SIM card.