Talk:M-Pesa

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This article is or was the subject of a Wiki Education Foundation-supported course assignment. Further details are available on the course page. Student editor(s): YilinQi79.

Above undated message substituted from Template:Dashboard.wikiedu.org assignment by PrimeBOT (talk) 03:01, 17 January 2022 (UTC)

Misrepresenting original African ideas as European in origin
The initial authors of this page did not mention that M-Pesa was originally invented and designed by a Kenyan, it is a shame that people misrepresent facts to make it appear that Africans are mere end users of a system made in Europe. Shame on you. —Preceding unsigned comment added by 41.78.24.22 (talk) 10:01, 2 July 2010 (UTC)
 * The first line of the article shows that isn't the case. My apologies, that was added by a recent edit--Topperfalkon (talk) 17:22, 14 September 2010 (UTC)

Article in need of improvement
There's still one blank section and a general lack of information overall in the article.--Topperfalkon (talk) 17:37, 14 September 2010 (UTC)

deleted claim of 150 million turnover / day
This article was linked as source and quoted for the €150 million (Sh16.5 billion) a day number. This would add up to more than 50 billion € a year, that's nearly DOUBLE the nominal GDP of $36.508 billion so it's clearly data that's not even CLOSE to real turnover and not worth spreading any further. 196.210.195.105 (talk) 16:57, 22 November 2010 (UTC)

Error in Cost, Transaction charges, Statistics section?
In the Cost, Transaction charges, Statistics section, should the figure of 66% be in fact 0.66%? The sentence in question is, "The transaction charges range is from 66% down to 0.16%...". — Preceding unsigned comment added by 217.43.112.24 (talk) 10:49, 22 January 2015 (UTC)

The use of airtime as a proxy for money transfer
The article cites the following report as documenting this practice.

''Kevin McKemey (Gamos), Nigel Scott (Gamos), David Souter (University of Strathclyde, former CEO of CTO), Thomas Afullo (ex University of Botswana),Richard Kibombo (Makerere Institute of Social Research),O. Sakyi-Dawson (University of Ghana) (2003). "Innovative Demand Models for Telecommunications Services". FINAL TECHNICAL REPORT Contract Number R8069. Department for International Development (DFID).''

I read this report, it doesn't document this point. Sources needed on that. --Tristan_10o — Preceding undated comment added 10:30, 23 January 2015 (UTC)

mPesa as a system is not dependent on government ID
I removed a claim that the mPesa system required government ID. This claim is strictly false and propagating it is harmful to the developing peoples that might want to use mPesa to lift themselves out of poverty. In practica, it is the reverse, empirically successful money systems such as mPesa have held back the ID requirement for as long as they can. Iang (talk) 17:30, 14 March 2015 (UTC)

Are the numbers accurate?
I looked at this article to get info on M-Pesa in Kenya just out of personal interest. Some of the numbers cited seem odd to me.

[US$1 = CHF1 = 100KSh approximately.]

In the section, 'Cost, transaction charges, statistics', the following sentence appears:'Anja Bengelstorf from the German Academic Exchange Service cites the central bank of Kenya when she states that 1 billion CHF is moved in fiscal year 2014, with a profit of 268 million CHF, that is close to 27% of the moved money.'

I have checked and this is indeed what the citation says: 'According to the Central Bank of Kenya, the value of all transactions between June 2013 and June 2014 represented 39 percent of the country's GDP. M-Pesa moves more than one billion Swiss francs per year, and in fiscal year 2014 it earned the parent company 268 million francs, an increase of 21.6 percent over the previous year.'

But it seems extremely implausible to me that the profits (after costs?) would be 25% of the money transferred. And this conflicts with the charges for transfers given in the same section which seems to be about 1% for larger amounts, though admittedly 5-10% for very small amounts (but the charges are not profits, since there are also costs - e.g. the network of agents, and the phone network itself).

And Kenyan GDP is about CHF/US$ 65 billion, so CHF 1bn is not 39% of the country's GDP or anything like it.

Also under the section 'Markets: Kenya' it is said (without a citation): 'M-Pesa transactions for the 11 months of 2014 were valued at KES [=KSh]. 2.1 trillion [US$21bn], a 28% increase from 2013, and almost half the value of the country's GDP.'

This also conflicts with the CHF/US$ 1 billion figure in the quote from Bengelstorf.

I have no access to the actual figures, but I think these figures can't all be correct. If anyone has accurate information, maybe they could update the article.

Zosterops (talk) 04:36, 14 April 2016 (UTC)

External links modified
Hello fellow Wikipedians,

I have just modified 3 external links on M-Pesa. Please take a moment to review my edit. If you have any questions, or need the bot to ignore the links, or the page altogether, please visit this simple FaQ for additional information. I made the following changes:
 * Added archive https://web.archive.org/web/20120817110419/http://www.cck.go.ke/news/2012/sector_statistics.html to http://www.cck.go.ke/news/2012/sector_statistics.html
 * Added tag to http://www.vodafone.com/start/media_relations/news/group_press_releases/2007/vodafone_and_roshan.html
 * Added archive https://web.archive.org/web/20120207101041/http://www.saarf.co.za/LSM/lsms.htm to http://www.saarf.co.za/LSM/lsms.htm
 * Added tag to http://www.oecd.org/dataoecd/40/24/43631885.pdfSimilar
 * Added archive https://web.archive.org/web/20090219043105/http://strathmore.edu/pdf/innov-gsma-omwansa.pdf to http://www.strathmore.edu/pdf/innov-gsma-omwansa.pdf

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External links modified
Hello fellow Wikipedians,

I have just modified 3 external links on M-Pesa. Please take a moment to review my edit. If you have any questions, or need the bot to ignore the links, or the page altogether, please visit this simple FaQ for additional information. I made the following changes:
 * Added archive https://web.archive.org/web/20141125040249/http://www.safaricom.co.ke/personal/m-pesa/tariffs to http://www.safaricom.co.ke/personal/m-pesa/tariffs
 * Added archive https://web.archive.org/web/20141011114801/http://www.financialdeepening.org/default.asp?id=712&ver=1 to http://www.financialdeepening.org/default.asp?id=712&ver=1
 * Added archive https://web.archive.org/web/20150907201441/https://www.credit-suisse.com/ch/en/news-and-expertise/news/banking.article.html/article/pwp/news-and-expertise/2015/08/en/a-global-success-from-kenya.html to https://www.credit-suisse.com/ch/en/news-and-expertise/news/banking.article.html/article/pwp/news-and-expertise/2015/08/en/a-global-success-from-kenya.html

When you have finished reviewing my changes, you may follow the instructions on the template below to fix any issues with the URLs.

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Unsourced additions
, please stop re-adding unsourced information about real people in the article. Adding unsourced biographical information about living persons is against Wikipedia's policy about biographics of living persons. All information on Wikipedia should be sourced (see WP:SOURCES), especially when it concerns living people.

I'm going to remove the information from the article. Please don't revert before engaging in discussion here and consensus has been reached. --Veikk0.ma 08:17, 12 December 2019 (UTC)

I ask once more that you provide a source for the claims you've added to the article. All information on Wikipedia must be verifiable, which is why sources are required. I've been unable to find one to support your claims. Only your word, or the word of any other editor, is not enough and is considered original research; reliable sources are required. Due to this requirement, whether you are or aren't someone involved with the creation of the subject of the article as you claim on your user page is also irrelevant. --Veikk0.ma 11:34, 12 December 2019 (UTC)
 * Concur with the above; I have removed the original "sttudent" claim as well since the reference given is dead, and when looking it up on archive.org it does not appear to support he claim. Kuru   (talk)  18:15, 12 December 2019 (UTC)

Critiques should be added in introduction
Their is a lot of critiques around M-Pesa in the critics sections with some from study sponsored by USAID. While most of the praise are based on one single paper. Critics should be summaries in the introductions I believe. Gagarine (talk) 23:45, 24 January 2022 (UTC)

Mpesa statement
I want to see all of my mpesa statement for my phone number 105.164.127.151 (talk) 19:23, 31 May 2023 (UTC)

M-PESA vs M-Pesa
In all documentation by Safaricom, the correct spelling of this product seems to be M-PESA. Note, all uppercase letters. However, in the title of this Wikipedia article, it's incorrectly spelled M-Pesa. While the meaning is the same, the actual product is M-PESA, not mpesa, or m-pesa, or M-Pesa, or Mpesa. Is this something that can be updated? Amathenge (talk) 13:09, 17 July 2023 (UTC)