AXESS is a microcredit platform designed for the disbursement of quick short term loans via mobile money. An AXESS loan is designed to help you mitigate against a critical emergency in real-time. There is a challenge of availability of immediate and short-term credit financial services to help navigate emergency situation such as the one above. The formal credit sources require one to physically apply for a loan due to their longer formalities (Sign here, sign there etc.). Their typical set up does not augur well for emergencies leaving a gap that AXESS is built to bridge. Probably mzee would have to call his friends/relatives or even his SACCO committee members to borrow money but this might consume some time.