Why do Somalis prefer xawaalad over banking

Why is it Somalis in the diaspora don't or refuse to use banks to make bank transfers to Somalia as many banks in Somalia are now part of swift and recently joined iban where is now possible to make the transfers but would with Dahabshiil you cannot make transfers over 100k.

Here is an example

Shaaciye runs and owns a successful cleaning business but want to build a mansion back in Bosaso. His money is legitimate and has nothing to worry about and goes to his local Barclays branch to make international bank of 300k to transfer to his own IBS bank account as the purpose of bank transfer is to build mansion and business back home. What problems would Somalis like Shaaciye face if this was real life scenario if this were to happen.
 
the xawaalad's also have a higher fee, per the $100 its a $6 sending fee.
will i stop using xawaalad's in the future? No because dadkaadha la qarabso nacasyaho
 

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