It will also control the warehousing and inspection of goods. An electronic signature system, unknown in Ethiopia's backward banking scene, will settle transactions by the end of the day.

Add in the fallout from the "robo-signing" scandal, in which Banks were accused of using flawed and possibly fraudulent foreclosure processes, and mortgage approvals will stay sluggish.

Using WS-Security, the client could sign the payment instructions to be sent to the banking system, preventing any modification to the intended payment amount by the merchant-system intermediary.