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Ingredients of M-PESA success

Much has been written about Kenya’s m-money system. Here the Economist highlights a Gates Foundation paper that highlights an aspect that has not been much written about, the need to balance e money and real money in the hands of the retailers.

There are many elements to a successful mobile-money scheme: the right technology, simple marketing, partnerships with banks, support from regulators. But keeping it all going are people like Gaudencia, moving bundles of cash around, on buses and in vans, behind the scenes.

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