The most successful example of Mobile Money where people can use their mobile to pay and access financial services. Link to external site : Website for M-Pesa Kenya |  |
| Brand | |
| Launched in | |
| Status |
Active Register/Log In |
| Launch |
2007 Register/Log In |
| Importance |
Leader Register/Log In |
| Traction |
Very High Upgrade to Bronze |
| Evaluation | |
| Account Type |
Stored Value Register/Log In |
| Business Model | |
| Class |
| Send | Services | Receive | ||||
|---|---|---|---|---|---|---|
 Agent  ATM  Mobile  Web |
 Card  Cash  PC  Wallet |
 |
 AT  B2P  BP  DAT  DMT  IAT  IMT  MB  MFI  MM  MP  MW  Trade |
|
Card Cash PC Wallet |
Agent ATM Mobile Web |
| Model |
non-bank based Upgrade to Bronze |
| Who Leads? |
mobile operator led Upgrade to Bronze |
| Reach |
National Upgrade to Bronze |
| Active Users |
1,390,000 Upgrade to Bronze |
| Registered Users |
22,000,000 Upgrade to Bronze |
| Potential Mobile Market (m) |
27.251 Upgrade to Bronze |
| Regulations |
The CBK Act prevents commercial banks from going into micro payments space, where M-pesa and Zap feature strongly. “CBK is yet to open space for banks to compete in this space. But they are free to partner with these service providers. Upgrade to Bronze |
| Persona | |
| Purpose | |
| Active Services | |
| Card Type |
Visa Register/Log In |
| ServicesDescription |
DMT, IMT, Topup, Bill Payment, Merchant Payment, MFI Loan Repayment. B2C Salary Disbursement, MFI loans distribution - LIVE. C2B: Bill payments, merchant services: LIVE, Banking Integration: ATM withdrawals, Other banking integration, WIP: LIV Upgrade to Bronze |
| Channels | |
| Payment Instruments | |
| Cash I/O Description |
201209 NEWS: 40,000 M-Pesa, 9000 Remainderof competition. 201204 DailyRelevant Ignacio Mas : 30,000; 28000 (201111 Its Better than cash); 14000 (Sep 2009 safaricom) Supermarkets, post offices, banks, airtime sellers, PesaPoint ATM in over 15 towns. No of agents is 4 times combined no of bank branches and ATMs in country. Number of agent locations grown from 4,230 to 13,326 over 1 year to Q3 2009. Equity Bank has largest bank network. Retailers as agents: G4S Security Services (courier, security, etc.), Nakumatt(supermarket), post offices |
| Cash I/O No Of Locations |
40000 Upgrade to Silver |
| Handsets | |
| Technologies | |
| Interoperability | |
| RegistrationProcess |
| Main Segment | Unbanked |
| Segment Description | Primarily unbanked. Farmers (Kilimo Salama: safe farming). Only 10% have access to traditional banking compared with mobile penetration of 53%(Q3 2009). Used as primary means of banking by many Kenyans |