the real problem lies in how the transaction is conducted. Both ZAP and Mpesa require a depositor to sign on a sheet. This is where these tricksters pick their intel.

I am sure those that have rcvd such messages A) had recently (within hours) deposited money into their accounts AND B) rcvd a message claiming at least half that amount was sent "erroneously"

I have always wondered about how secure that sheet is. The biggest tragedy is that rural folk, being out of the loop most of the time in terms of news and such alerts, might be the most exploited - being the beneficiaries of sums from their urban kin and also being major users of this banking system.

Try and spread the word - SMS costs 1 bob - spend 20 bob and spare 20 people on your phonebook...

A colleague received a message similar 'you have received cash...' message and the fellow immediately called him. My colleague asks the caller 'Unapiga kutoka jela gani?' The fellow answers ' Kutoka jela ya Kericho. End of call, end of con.

Could be true re inside job but i think they do random calls because i received a call ati 'tunakupigia kutika safaricom kitengo cha mpesa na umeshinda elfu bla bla...." i was not even a subscriber so i knew hiyo simu ilitoka kamiti!

got the same sms including the sp mistakes, sent them an sms back telling them to brush up on their english but it was not delivered