e-dheba is an app introduced by 'IMPERIAL CREDIT & SAVINGS COOPERATIVE LTD.' that encourages you to save money using online technologies and your phone without having to go to a physical bank and that also lets you borrow money from your peer network instead of through traditional avenues like banks and credit cards. The concept would be that the app would work like a 'khutrukey' or a 'piggy bank' where they can save money from the app itself.