This Note highlights one of the least recognised success factors – the careful pilot testing of the M-PESA solution. This took place for an eighteen month period prior to the commercial launch of M-PESA in 2007. The Note highlights the key lessons learned through the pilot-test. The value and importance of operational testing and active lesson learning is not fully and adequately recognised by those seeking to replicate M-PESA’s success. Pilot testing remains as relevant to launching successful digital financial services today as it was for Safaricom in launching M-PESA

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