already the home to a major, and innovative, cash based mobile
banking system called M-Pesa and much has been written about it. It is a sophisticated system
developed ... major international mobile operators, led by Vodafone. M-Pesa provides for peer to peer
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transfer of money and the withdrawal and deposit of cash, essentially funded ... virtue of the origin of the service and the resources devoted to developing it, M-Pesa is
sophisticated technically and in terms of the features. As it has grown