1. Create a pre-paid account mechanism as an account type or account option in Mifos (perhaps extending existing classes), zero fees.
2. Create a new API for consuming pre-paid account balances.  
3. Create a simple external model that mimics consumption by a household on a daily basis - imagined as a set of data received from solar panel (watts used, time of day, volts present).  
4. Load up pre-paid account by account transfer in P2P interface (my phone to your account) or via trusted agent - i.e. trusted agent receives cash and loads account on Mifos.

Providers of pay-as-you-go solar can use MIFOS for their operations. MFIs can become such providers.

At present MIfos X platform is shipped with Community-App (SPA) as default UI, but initial load time of the application high. And for users on narrow bandwidth internet it takes a considerable amount of time to load the app.

Instead of loading the app every time, we can convert the Community-App into a Chrome App and user can download them once and install it ion the machine, and it can used as thick client.

Community-App is completely developed on top of JavaScript, CSS and HTML. And Chrome apps are also written in same stack. Using grunt we should be able to repackage Community-App(SPA) into Community-App(Chrome App)

Users with slow internet connectivity can use this app (Installed on the machine) instead of loading Community-App (SPA) on the browser. Users will also have a continually updated app. This will also allow MFIs to potentially use Chromebooks as field-based devices for their branches.

Initial version of Mifos X was not designed to be database agnostic. To make this possible, all business logic had to be concentrated in the middle tier with the database being as dumb as possible. This means the platform does not rely on any database specific stored procedures or on the database to generate unique keys.

To make this possible, all business logic had to be concentrated in the middle tier with the database being as dumb as possible. This means the platform does not rely on any database specific stored procedures or on the database to generate unique keys.

And also application heavily use prepared statements(spring jdbctemplate) for retrieving data and need to make sure all these queries use full JOIN syntax, and bracket the JOINs so that each join is between a single table and bracketed expression.

MFI with large client base can use the application with Oracle or any other commercial databases.