JAMANI: You didn't get my point.One reason Mpesa succeeds in kenya is because a lot of kenyans support lots of other kenyans.
Indians, Phillipinos, Mexicans, Brazilians, Chinese, Nigerians, Iranians, among others do support their people, its not peculiar to Kenyans, say these because i have either worked in these countries or people from these countries and I know this for a fact.

You say there is nothing wrong with this.There is.It means our UNEMPLOYMENT is so high we have to feed others. Yes our unemployment is high, this was not caused by Mpesa.....we still used to support our people without Mpesa being around, Akamba bus courier services, Nissans to central province, Securior courier services, Coast Malo, money order etc all these were used before Mpesa.

With low unemployment,there would be no need to Mpesa money around. wrong Mpesa is not only used for sending money to the unemployed read Gurus post #155
Also,the penetration of atms and visa cards lowers the use of Mpesa. wrong having access to these services in Kenya is not cheap especially the credit card and it not as easy to get one as it is to get in the developed world this is the gap Mpesa is filling.
Take a case of USA.Mpesa wouldn't succeed in a developed country. Well not only will Mpesa fail but look at GSM is widely used there? we cant compare apples to lemons
However,it may work for kenya.its working perfectly in Kenya thats the reason many operators are visiting safcom to understand how it works.
It has also been tried in SA,but its success is not like the kenyan one. i would just say SA is a peculiar market all their products fail in Kenya maybe this is failing because it works in kenya... maybe it failed based on how it was packaged remember your note above Mpesa serves the unemployed SA has a high number of unemployed people are yes they also do support their, i have lived there I know.
And one thing stands out.Mpesa is for less developed countries like Kenya. Maybe maybe not, I know for sure our banking system failed the wanjikus and the middle class, the cost of paying bills,sending money, etc was expensive.. a lot of time was wasted on queues etc.. Mpesa filled the Gap thats the reason it succeeded

JAMANI: So,what's your point??I didn't say SAFCOM future is not bright. Neither are we discussing its bright or lack of it.. we were discussing mpesa as a value added services
As a matter of fact I'm planning on buying some Safcon shares when it hits maybe 1.00 bob or 1.90....Its a good co. Good for you I wish luck... happy investing..
Only that Mpesa can work for Kenya and other countries but not all of them.
Thats right Not everything works everywhere,, e.g. Tusker is cherished in Kenya but not in Nigeria....
And you concur with me that developed countries may not have a successful Mpesa operation. Agreed but these doesnt rule out mpesa working in other countries as had been implied in your previous comments or only working because we support the unemployed

Those countries operate differently.You say it yourself:you can't compare an orange to a lemon.Lemon economies need Mpesa.Oranges don't!!!!Have a nice night!! True... banks failed us, couriers tried were expensive, time was wasted at on queues in paying bills, Mpesa filled this gap and provided convenience..... I read your post and i hear you, i also note you have traveled around, Mpesa will succeed in countries will similar cases developed or not believe me..
Dont be too hard ni mjadiliano tu si kwa ubaya, , based on your statement above its night at your location so sleep tight...