In my opinion it is a cool project! I would like to see its future development.
You are right LaLa World is like a one stop shop for all financial service not just a money transfer, once the apps is running this will be very useful for every users.
as of now, i can see that lala world has the advantage on their competitors with same feature. lala world does not see as a online wallet, but this is also a bank. a bank that can offer a lending services that will provide for your need in your success to be a businessman /woman someday.
But what if those features is also offered by the other project same platform as Lala world. I wonder what is the key points of Lala to have atleast chance in competition.