I have and use T-Pago regularly, mainly to pay phone and electric bills, the movies, and recharge cel phone accounts.
I find it aggravating the bank charges you for every transaction you effect on T-Pago. I suppose it is easier that standing in line to make a payment.
As far as the new service is concerned, I don't see how it will work. Dominicans typically do not leave their money in the bank, even when they are paid electronically. As soon as their funds are available, they are at a ATH pulling out everything. They think if they leave it there, the bank will make it disappear.
Worse, tons of them get loans from prestamistas, in return for their ATH card. The prestamista pulls out all of the money, takes their payment, and gives what is left over to the employee.
Every payday, I see the prestamistas with dozens upon dozens of cards, each with the pin written on the back.
So, between the folks that work in the informal economy, and the folks that give up their cards, how many are left to use this wonderful new program, which I'm sure will also charge a fee for each transaction?
In the U.S. this is repeated every month with cards called EBT...
Once the cash currency is removed the action will cease 100%...