As long as Americans are obsessed with the idea of SMS they will never get their ideas into the wider world. No one uses SMS. No one.
«Customers who sign up for the M-Pesa service can convert between e-cash and real cash (these are called cash-in / cash-out transactions), and can transfer e-cash from their account to that of another account holder via SMS.»
https://digital.hbs.edu/platform-rctom/submission/m-pesa-a-m...
(I work on Manas.Tech, the partners of InSTEDD that developed the Reporting Wheel and today run nation-scale surveys using Surveda: https://manas.tech/projects/surveda/ )
Easier than to find if the contact is on Signal/Messenger/Whats'app/Whatever and it works even without having a data plan.
You can send hyperlinks if you want, so the medium isn’t really all that limiting.