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MySafaricom App offers you a convenient self-service channel to manage your M-PESA and Safaricom accounts and interact with our customer care. Whether you are an Android or iOS user, you may download the App from the Safaricom App Store, Apple Store or from the Google Play Store and enjoy convenience.

Our Story We help our clients automatically invest into the financial market either daily, weekly or monthly without ever needing to go to a bank What problem are we solving 70% of the Africans have no access to a formal financial institution, 92% have no access to investment accounts How are we impacting the world Our solution helps our clients build a sound financial future by investing from their mobile phone with or without an internet connection

Customer Problem: With excessive charges, high minimum investment required with complicated KYC processes and low interest rates, those wanting to save will typically avoid using their bank accounts. Instead savings are stored in cash or mobile money, with their value steadily decreasing due to high rates of inflation.

Competitive Advantage: ● Only company Mobile Money subscription payment in West Africa ● First Mover Advantage in Ghana ● Pan African team with previous founding experience ● Highly Scalable business model due to adoption Mobile Money in Africa ● Viral and high network effects inherent in our services enabling us to grow fast with less cost

And today our technology does just that, by allowing merchants and operators to accept mobile payments from consumers without the need for a traditional bank account.

Coupled with the differing financial, legal, and operational processes across the MEA region is limited access to traditional banking infrastructure, with 63% (circa 1 billion) of the adult population unbanked. While this is a common trait in emerging markets, it does mean that traditional transactions based on credit and debit cards are not a realistic prospect for many consumers. However, with smartphone penetration growing apace, and with it the ability and desire to purchase goods and services through digital channels, there is an increasing need for alternative payment methods to support access and consumption.

And our team’s inclusion efforts don’t stop there. TPAY MOBILE employees have been volunteering and hosting financial literacy workshops with INJAZ Egypt, a non-profit organization empowering young people to own their economic success through partnering with businesses and educational institutions across the country.

Flutterwave and Simbapay are shining examples of this recent development. With Mergims, Sawapay and Sendwave in their back chasing them.

Founded by Nyasinga Onyancha, Simbapay is in London and caters to Kenyan and Nigerian recipients.Countries that can use the service include; the UK, Ireland, Italy, Spain, France and Germany.The platform allows money transfer to a bank account and mobile wallet like M-pesa, Paga or Airtel Money.

Hello Paisa is brought to you by the same people behind Hello Mobile – a revolutionary mobile network service provider trusted by thousands of migrants across South Africa.Our track record guarantees the safety and efficiency of every cash transaction, because we’re passionate about your peace of mind.The service we offer is 100% legal and completely secure; we’re one of just a few international companies that’s been issued with an SA Reserve Bank license to do what we do.

When you’re living in a different country for work,the last thing you need to deal with is a complicated bank account.Introducing HelloPaisa: the fastest, easiest way to send cash to your loved ones.All you need is your phone!

This article explores the austere labour regime of Safaricom – Kenya's largest telecommunications firm and financial services provider – from the perspective of the women and men who work as ‘human ATMs’ for Safaricom's breakout service, M-Pesa. Far from women and men simply acting as ATMs, I argue that the affective and social labour of these people working at sites across the country constitutes a form of maintenance work that, while essentially free in Safaricom's accounts, critically underwrites the success of M-Pesa and Safaricom.

I argue that the work of ‘human ATMs’ constitutes both the ‘front story’ and the ‘backstory’ of contemporary modes of accumulation unfolding in Kenya. Their labour is formally exploited while broader forms of work required to build and maintain the social and material networks on which Safaricom depends are expropriated, forming the basis of new frontiers of accumulation. This process is mirrored in Safaricom's contemporary business strategy, which is premised on enclosing people's everyday habits and social networks in their digital forms as sites of innovation and market-making.

This is why the Vodacom-Safaricom duo has created a joint venture with full powers to make M-Pesa a “super-app” to provide for various needs such as booking taxis, making various appointments or paying for various services by mobile phone.

Safaricom launched new services as early as 2013, with M-Shwari, Fuliza and KCB M-Pesa came later to provide savings and micro-loans. By 2019, these “apps within apps” will account for two-thirds of M-Pesa’s revenues (84.4 billion shillings in total). “Remittances are still performing well and are up 14.6 per cent over the previous year,” said Sateesh Kamath, Safaricom’s chief financial officer.

Nigerian fintech startup Paga, poised for global expansion, has announced its acquisition of Apposit, a United States (US)-based technology company with operations in Ethiopia. Founded in 2009, Paga provides Nigerians with safe and convenient ways of making payments, allowing money to be sent to any phone number for the beneficiary to redeem at a Paga agent or at an ATM via a cardless withdrawal. Customers can also use Paga to deposit money to bank accounts in Nigeria, pay their bills, or top-up mobile phone airtime.

Fawry is the dominant ecommerce payment method in Egypt, accounting for almost 60% of payments. This e-voucher product allows shoppers to purchase online and pay afterwards using a 6 digit reference. This reference can be used to pay  at a variety of outlets (retail shops, ATMs or online banking) at more than 166,000 locations in 300 cities nationwide.

Hello Paisa is a mobile based remittance service provider to and from South Africa. The service is based over HomeSend's mobile remittance hub. User can send and receive cash to bank account, wallet or at partnered locations.

Founded Year2013LocationCenturion, South Africa

Simplicity is a key feature of this type of investing. All investors need to do is create a username and password and typically answer between 10 to 15 basic financial questions to open an account. The service then plugs your answers into an algorithm that determines the portfolio and asset allocation that is appropriate for your age, risk tolerance and how long you wish to invest. Rob advisors typically follow passive investments such as tracker funds and exchange traded funds (ETF) based on modern portfolio theory research.

In the first case, a merchant is given a designated QR code by their acquirer that is linked to their bank account in the backend. Customers must scan the QR code using the camera on their smart device and then enter the amount to be paid and their individual PIN in order to complete the transaction. An example of this method is SnapScan.

WorldRemit, on the other hand, partners with local banks and mobile networks; in Kenya, for example, it is working with electronic wallet service M-Pesa, so that money can be transferred instantly to all customers. The recipient can retrieve the funds as a bank deposit into a local WorldRemit bank account, as mobile money, airtime top-up or as cash at a supermarket. The fees are two to three per cent lower than those charged by most banks. WorldRemit’s closest rival is Remitly, another digital-only company that specialises in sending money from developed countries to the developing world.

If you look at mobile payments specifically, Africa is actually one of the leaders in this space.Kobus Ehlers, SnapScan, co-founderMeanwhile, Africa's smartphone market is expected to double over the following four years -- at the moment, South Africa is reportedly the biggest smartphone market in sub-Saharan Africa, with a 19% penetration.And as smartphones increase, the paying methods are also becoming smarter."If you look at mobile payments specifically, Africa is actually one of the leaders in this space," says Kobus Ehlers, co-founder of the SnapScan app. "SnapScan was developed in South Africa for the African market, so we try to find really local and relevant solutions and I think it's going to get a massive uptake," he adds.

Using your phone to pay for goods and services is nothing new in Africa, a continent where there are more than 720 million mobile phones. Services such as M-Pesa, the revolutionary Kenyan mobile payment system that allows people to bypass banks and pay bills, withdraw salaries and transfer cash electronically, have transformed the way people and business operate.