Chika provides a simple and inexpensive platform (SLAP) for people to pay their ‘regular’ recurring bills and other expenses (rent, utilities, cell phone, TV, internet, insurance) using cash and cash equivalents. Thru the use of our Chika kiosk, mobile app, or online tool, people will build (and maintain) a payment history grade called a ‘Chi-score’ or ‘Chi’, that is contextually relevant to their actual payment history and displaces FICO.