Solman7921 The biggest problem in running a company like this is dealing with risk and fraud. Sending money around is just a small part of the operations. Getting people to trust you and acquiring customers is way harder. You could maybe improve on it, but dealing with all the legal stuff would require a lot of work and upfront cost. Of course, if you can like Kiva get featured on Oprah and in the New York Times it helps.
When we look from outside it is easy to spot areas where a company could improve, but without knowing what their daily challenges are it's hard to tell how much this improvement would help them.
