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Do the M-PESA Rails Contribute to Financial Inclusion?


A substantial proportion of the Kenyan population is using M-PESA as an addition to bank savings accounts, and less frequently, as a full-scale substitute. The worry among financial inclusion proponents and banks is that poor people will use M-PESA as a substitute for formal institutions. The note examines progress towards financial inclusion in Kenya, and concludes that while M-PESA's rails offer the potential, Kenya may yet have to wait to realise comprehensive, commercially sound, affordable and effective financial inclusion.

Tags: Agent banking , Financial inclusion , Delivery channels , Agent networks , Mobile banking , Mobile money , Safaricom , Mobile wallet , BN 95 , BN95 , MicroSave , MicroSave africa , Kenya , East Africa

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