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In Kenya the two main Mobile operators Safaricom (Vodaphone) and Zain have money transfer services as value additions to their services. The money transfer services allows a user to send and receive money from their mobile phone. This feature works like a small bank in your pocket! the current limit is approximately USD $350 per day on your phone. Recently other additional services were added to this feature allowing you (the user) to pay for utility bills or even withdraw money from an ATM using the money "banked" on your phone. Safaricom's Product M-Pesa recently joined forces with a Small micro enterprise financial institution called SMEP. Their Union M-Pesa & SMEP now allows the micro finance customers to recieve and repay their loans from wherever they are through their phone! This feature in my view greatly aids in the reduction of the digital divide!

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great introduction Sammy, i think that this would help alot, i did notice money transfer in Sudan but the combination of money transfer and the usage of it to aid micro finance is a good idea. thanks for the introduction.
Thank you Omer, the Mobile money market has since seen more innovations such as utility payments, bank balance query, bank to phone transferes among a host of other services. Zain now Bharti Airtel has improved their mobile money dubbed Airtelmoney to have a simpler interface available in two languages. Other GSM providers such as Orange and Esser's YU have also introduced Mobile money products into the Kenyan Market. Most interestingly a third party company launched a mobile money product that is independent of any network! these innovations have introduced financial services that are virtual to the "unbanked" or otherwise considered "unbankable" due to the small financial capital available to them, of which the case of the Microfincance presents a perfect example.




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