Why M-Pesa Fail in Other Countries.

Since its introduction in Kenya, M-Pesa has expanded to other countries in Africa and beyond. It is now available in countries such as Tanzania, Egypt, India, and Romania. As of 2021, there are over 40 million M-Pesa users in Kenya alone, and the service is used to make over 11 billion transactions per year. In spite of its huge success in Kenya, Mpesa still struggles to gain traction in other countries. So why does Mpesa struggle in other countries. India, will be our case study since it has the second largest mobile market but has limited access to banking and high usage of cash. India has over 410 million mobile users, yet only 5.5 million users subscribed to Mpesa.

[@ClintonKimani-l9z]

Angel investors taking credit 😂,,big up Ouko tunakutambua❤

[@shaquille_jm2819]

Mpesa was invented by Nyagaka Ouko , a brilliant computer science student, Nick stole he's invention .

[@tonygee5680]

How

[@africangirl189]

Doesn't matter now Nick got paid it's too late now 😂

[@patriot_2022]

Maybe Ouko tried to change his mind later or was convinced to after learning just how big his invention was. I remember early in the days Mpesa was starting it was said that the guy, a University student then, was paid Sh 20 million, given a university scholarship to the US and a permanent job at Safaricom, in exchange for the full rights. And then Safaricom makes that much in a day from Mpesa.

[@patriot_2022]

@@africangirl189 Nick may have been paid only for his name to be put in the story. They all know it wasn't him and Ouko sold the rights to Safaricom. But they had to attribute it to somebody within their ranks, so they chose the top guy.

[@M-kula]

Paid for it

[@muthoni632]

Nyagaka should get the credit he deserves! Brilliant brain

[@meleas8262]

Mpesa was the brainchild of a Kenyan student Ouko Nagaka but as usual the guys who funded it stole it .

[@tonnitoedwards]

What the world doesn't know about Mpesa 1. Mpesa was home grown 2. You can withdraw or deposit money into any commercial bank and vice versa 3. Mpesa is relatively safer than most banks 4. Versatile and easy to use. 5. Money sent or received by a click of a button. 6.Mpesa is intergral part of Kenyan economy now..we can't do without it.. Govt services, small scale businesses and multi million companies use it heavily. 6. Indian kenyans endorse the platform.

[@ranjusranjus143]

Why does being endorsed by Indians important?

[@tonnitoedwards]

The documentary has indicated that it doesn't do well in India.. here in kenya we have Indians who are kenyans and use it too.

[@DREAMS_OF_SUCCESS]

5.5 million subscribers in a foreign and competitive market like India isn't a small thing. Due credit to Safaricom. My question however, whose original idea was it. I am working on a documentary, any leads will help. Looks like a deal was cracked between Ouk & Safaricom and no one has the details. Thanks mates

[@tonnitoedwards]

@@DREAMS_OF_SUCCESS Nyagaka ouko was the original concept for mpesa but Nick hughes took it and advanced it to what it is today... Word has it that Nyagaka ouko was never compensated well for the invention.

[@DREAMS_OF_SUCCESS]

​@@tonnitoedwardsThanks bro

[@petersilas4234]

Mpesa is widely used in East Africa, especially in Tanzania and Uganda. In Tanzania it is used down to the remotest villages. Mobile money is changing our way of transacting . Infact all phone providers offer financial services. In Africa phone money services are a solution as they are linked with banks . Challenges are there but even our security organs provide trained personel specializing in this area basic to our economy. It has become part of our society.

[@pastorgideontruzindaminist8746]

In uganda it working but not as much as MTN mobile money but its pushing

[@BMA19051]

Mpesa was created by a brilliant computer science student at a Kenyan university, Nyagaka Ouko, and not by Nick Hughes. Please verify your details.

[@ashleyhearts8561]

They always steal our inventions and say it’s theirs.

[@patriot_2022]

That is the official story. And, they didn't actually steal it. They bought it, allegedly for sh20 Million, along with the rights to claim credit. But the poor guy later realized just how huge his mistake was as Saf was making that money in a single day from Mpesa. Tried to sue them, but it was too late.

[@mohamedmohamud9691]

Nick had no idea at all but Ouko is the guy who invented M Pesa. Pliz let's always give credit to where it is due and not beat about the bush.

[@muthoni632]

It has to be a white

[@michaellemayian7323]

Who created what you're using? Who is building and improving daily? Mpesa

[@marionwaruguru4216]

Credit never goes to the right person - Nyagaka Ouko all the way!!!!!!

[@EssayMaestro]

The idea was nyangaka Ouko's , but in terms of turning idea to entrepreneurship and business, i can credit nick Hughes , expansion i can credit Safaricom company .But inventor and idea owners is nyangaka Ouko. The need for teamwork and collaboration in all startups .

[@victorosong]

You're right

[@Davisjunga]

Mpesa was Developed by African Kenyan Nyagaka Ouko.

[@flyingdragon6275]

In India, we use UPI. It uses QR codes, Numbers and email type format upi ids UPI is just tooo dominant now surpassing Trillion $ in tranactions annually. It did 200 Trilion RUpees ( $ 2.4 Trillion ) in FY23-24

[@chefanguba9980]

Mpesa wasn't invented by Vodafone, only Kenyans know the truth Nyagaka is the inventor

[@princemwenyemalikey]

But it's making its way around the East Africa especially in Congo, Rwanda, Tanzania, Uganda and other African countries that adopted mobile money services.

[@armchaircritic4178]

Mpesa was not invented by Nick Hughes, it was invented by a brilliant computer science student at a Kenyan University, Nyagaka Ouko. Please get your facts right.

[@TheTororist]

he mentioned him. unfortunately patent law says otherwise

[@XDLfootball]

sadley he sold his idas and rights to it

[@TikTokUzee]

​​@@XDLfootball he didn't sell it. They had an out of court settlement after they stole it.

[@chegemArtin]

In a nutshell: 1. Regulatory hurdles 2. Cultural differences - some countries refers cash over mobile payment 3. Lack of awareness/marketing 4. Lack of localisation

[@VostiKenya]

M-pesa my favorite of all times 💯

[@bethuelnevondo1152]

Other countries are already advance like south Africa, this service works in under developed countries

[@linpoetry8332]

Hahahahahahahahahahahahahahahah

[@VibingWellLife]

Am sure nick had an idea but nyagaka was able to bring it to life,they equally deserve recognition

[@edwinmwatha5755]

mpesa was invented by a kenyan university student not Nick

[@hi_nesh]

good story. Do you have to use AI for narration? Aaaiiii

[@stevestephen2122]

In Kenya you can pay for anything directly from Mpesa ... i wonder what is hard to do the same in India

[@KENJOGU76]

It all boils down to regulatory approval, if the government is not in full support it won't thrive, Simple.

[@lillianm.munyao7793]

Here in Kenya.... MPESA is everything 👍

[@kevinmuteheli]

Mpesa hasn't failed in other countries it's just hat it's ahead of time.

[@petersilas4234]

It's widely used in Tanzania, why say it only works in Kenya.

[@kevinmuteheli]

@petersilas4234 exactly, we are using it's only that people in other countries do not subscribe to it.

[@vanhuvanhuvese2738]

Other countries have their own solutions for example countries in southern africa most of them have a Higher GDP per capita and have banks with their own app have atms in rural areas money transfer apps etc and have easy money transfer and payment so they have no need of mpesa other countries like in asia have high taxes the more transaction you do online the more you can be taxed so people prefer cash its not like they dont know how to create money transfer protocols etc they already have apps with same features and people dont want to use them as their governments track every cent and dont want to be tracked and send a letter that you must pay 50% of your income as tax so they are not behind the game they are ahead of the tax man and for some cash is a form of freedom in repressive countries

[@kevinmuteheli]

@vanhuvanhuvese2738 Taxes aside, Mpesa is the most convenient mode of transaction around the world. It's ahead of time worldwide.

[@vanhuvanhuvese2738]

@@kevinmuteheli you cannot say that without assessing why these other people refuse it while at it please note other countries like I said in SADC for example banking apps have all the features of mpesa that is why it never succeeded in the region because people here already have very convenient ways of sending and receiving money in their phone.

[@felixkimani5375]

Nick stole Ouko's idea, it's A Kenyan's idea

[@jusththatuser]

we call it mobile mobile in many African countries. It's very successful. In Zambia we're even able to get loans from the service

[@bachiraiuba6950]

In Mozambique we've M-pesa

[@picsandvidstv1348]

That’s really nice

[@patriot_2022]

That is very good. I think at least it should be everywhere in Africa.

[@zacknyathi]

In South Africa it failed because we have extensively advanced banking systems that surpasses even those of the USA. Almost everyone has an access to a bank account fit for their economic prowess. M-pesa is, however, very popular in Mozambique

[@denfordnyamoko]

What bank systems dont other countries have, even if you try hard to decorate Your banks, Mpesa is way Ahead in many Ways than banks whether you accept it or not. In fact the Mpesa Idea is the future that you guys have not seen yet but relax, dont worry it will slowly be accepted by your coming generation that understands technology and want to make work easy

[@muthoni632]

I am happy this time they are not showing slums when referring to Kenya

[@erickmoenga1206]

Mpesa has not failed in other countries....their platform isn't called mpesa...get your facts right

[@_UCS_SwapnilSahaiSrivastav]

It failed because Better and more advanced payment services already exist in other countries.

[@edmunddianga8641]

😂😂😂😂😂😂😂😂😂😂😂😂😂😂mobile monery transfer was created By Nyagaka Ouko a kenyatta university student dumbass​@@_UCS_SwapnilSahaiSrivastav

[@chroniclesofMumbi]

Mpesa was invented by a graduate student right? But Mzungu will come and own it. This is the problem of having opportunists amongst us 🙆🏽‍♀️🙆🏽‍♀️ Africans need to patent their discoveries before sharing out BV with the world

[@vanhuvanhuvese2738]

problem Africans talk too much I will do this and that while others do

[@kabaridyfamily1069]

Mpesa was invented by Nyagaka ouko a university student at the time

[@cprijesh]

India have 800 million internet users. UPI is the key system behind payment apps like paytm, Google pay etc. There are so many applications using UPI Controlled by Central Bank of India.

[@picsandvidstv1348]

Can you send money to anyone through your phone? Locally and internationally?

[@tonygee5680]

Just to send money to India thru money gram or western union iz soo complicated u wont biliv infact u get hammered for sending 😢😢

[@_UCS_SwapnilSahaiSrivastav]

​​@@picsandvidstv1348yes you can send money to anyone through your phone....most of us Don't carry cash at all. We simply use any UPI based app like (Google pay, PayTM, phone pay) to scan QR code and do payments. Infact India ranks 1st in world in terms of mobile payments, even ahead of china. We can send money through UPI internationally too, so long as UPI is supported in that country.

[@OmniVan99]

@@picsandvidstv1348 yes

[@ajitt9902]

​@@picsandvidstv1348not sure about international transactions but local transactions are extremely smooth.. Even street side vendors display their QR codes for customers to pay them online thru UPI.

[@samsonjumaayaa6893]

I can withdraw money from Kenya commercial bank through mpesa without going to the bank

[@briankeith5499]

Still matters of the hunter telling stories for the lion. Mpesa was invented by a Kenyan student.

[@GeneralHensaleey]

Mpesa is doing well in Kenya 🇰🇪

[@tonygee5680]

Obviously 🤣🤣🤣🤣

[@t0n0k0]

Well slow internet and lack of information will do that too. It's not a matter of market penetration, rather the market is dry.

[@domin842]

You don't need internet inorder to use mpesa ,

[@EssayMaestro]

Mpesa was invented by Nyagaka Ouko, a computer science student in the University of Nairobi.just because someone is black and african caoont be associated with invention.what a fuck is CNN in airing its stories .

[@johnchege5794]

In kenya I pay everything with mpesa. Just fast and easy-to-use.

[@juniourx2203]

Not nick who nyagaka ouko is the one who invented it...

[@danielk7225]

Haha, you present your invention to a ceo, and the next thing you hear is that its being launched by another person.

[@lusarshameli7057]

A classic example of how ideas are taken.

[@KevinOmondi-o4g]

Through corporation between Mpesa and Banks it make work so easy you can withdraw your money even if you are in countrysides.

[@africarain8294]

Africa to the world it will reach the rest of African country

[@blonr]

Mpesa hasn't fail in other countries look at Zimbabwe tz Uganda Ethiopia

[@werehenry6492]

No one uses mpesa in Uganda. It got wiped out

[@Tell_the_Vision]

But it works just fine in Lesotho

[@benard1695]

Nyagaka ouko not other shenanigans

[@Muirawamaa]

The idea was behind nyagaka ouko

[@abdullahebrahim4045]

Make a video about hello mobile

[@Sindi63084]

M-pesa means mobike money. Pesa is a swahili word for money. When they introduced to countries that don't speak swahili, they should have substituted the word 'pesa' with the local word for money.

[@christinemoyia1814]

So in India it should have been MRupee🤷‍♀️

[@Intoiye-nemenglana]

What is mobike money??? 😅

[@ajitt9902]

In India we use the word 'Paisa' in some of our local languages to mean money 😅

[@francissumba7661]

Please clarify: Are you saying the M-Pesa platiforms fails to gain success in other countries ? Or are you saying similar platiforms fail in other countries.

[@lawrencepulei2817]

MPESA precisely

[@_UCS_SwapnilSahaiSrivastav]

M pesa failed because Better and more advanced payment services were already available in other countries.

[@patriot_2022]

@@_UCS_SwapnilSahaiSrivastav which ones, and in which countries? Because 1, Mpesa is literally the pioneer of mobile money. There wasn't anything like it anywhere in the world including the developed countries. Secondly, there is even up to now nothing as advanced as Mpesa. Mpesa is not just an excellent payment service, it is a complete bank on its own, able to make you forget cash for years. Tell me one "payment service" in any country with as much power.

[@_UCS_SwapnilSahaiSrivastav]

@@patriot_2022 1. True when Mpesa launched there weren't much better payment systems in the world, hence it succeeded in Kenya and neighbouring countries. But by the time it tried expanding to other countries, many/most of them had much better and advance payment systems. 2. I'll give you two examples since these two are the most widely used Mobile payment systems in the world. A) UPI from India B) AliPay from China Go read about them and the volume of transactions they do :-)

[@werehenry6492]

I can list many, Apple/Google Pay, PayPal in the USA , paytm in India and many others… Mpesa can’t survive in advanced economies as they are mostly banked people and the Agent system cannot work there. With time, maybe 50+ years as many people in KE transition to the formal banking system, systems like Mpesa will have to evolve into something else since the agent system will die out eventually, also the agent in the middle increases the charges incurred when withdrawing, my prediction is that the masses will eventually start to feel the small extra charges they incur and will opt for more traditional baking systems in years to come and thus mpesa and the like will be pushed out or will become more like the normal bank.

[@joakimkiamba7357]

We love m-pesa our invention

[@jamalboomworld]

The brilliant kid only got paid $5,000usd for this Billion Dollar revenue wow no soul.

[@emmanuelgudu8367]

NYAGAKA OUKO

[@chepkiruilangat9725]

I enjoy the Mpesa

[@chepkiruilangat9725]

Waw

[@manassehmwangi-g3s]

M-pesa was invented by a Black man Ouko, just because he is an African doesn't make this man's invention be given by a man, the Named white man just bought the idea, power of Money..

[@adokaish]

Mzunguz stealing the show which is no theirs and they are not ashamed

[@SMART_AFRICAN]

HE IS THE CEO

[@ToneandGlow-li5lh]

@@SMART_AFRICAN Nick Hughes stealing the credit , it is not invented by Nick Hughes

[@munenewadcsportpesamegajackpot]

Mpesa has become unsafe these days. Give credit where it's due, the invention was the Kenyatta university student, they unfortunately paid him up.. Anyway I heard you mention Two factor authentication, that's a lie, it's not available 😅 thus why some cases are coming up these days

[@salimkamau1697]

It's not fare for nick to claim that the mpesa is his idea.everybody in kenya knows very well that the m-pesa was invented by nangaka ouko.

[@marykennedymarwa1641]

Always white people wants to be the first , 😢

[@TheTororist]

simple answer, central bank regulations in different countries

[@mdrashed6593]

In Bangladesh 🇧🇩 bKash has Revolutionizes MFS....it has 70 million verified user....

[@computermaster-ik3jy]

pesa means money in swahili. m-money, m-pesa, mobile -money

[@deonmackinder5540]

The idea about mpesa came with nyagaka who took it to Nick for review haw then can it be nicks

[@solitudechronikles3521]

No way Hughes built this stuff

[@zqavsdgm]

for me it's the culture difference between kenya and india... integrating that financial technology system into their ecosystem ain't even worth it by the way speaking from kenya point of view anywayz ..... probably much better to provide a variety of features services in the applications rather than chasing outside customers ..... 🍷

[@kahunakorteze2763]

There's a strong tradition of using informal money....such as ______??

[@Travelnafrank]

This is understandable and acceptable mpesa was invented by a kenya

[@chepkiruilangat9725]

Nobody requires heal money notes

[@kairuannewambui8456]

GOD MADE SURE CEASER GET HIS DUE, IT WORKS WHERE IT WAS BIRTH, OK NICK, WHERE YOU DIDNT SOW, 😊. GLAD FOR SUCCESS IN KENYA,BY MPESA, EVERY ONE IN DIASPORA FROM KENYA HAS KENYA SIM CARDS WORKS,

[@georgendiga]

No monopoly in other country.

[@kyomuhendogodwin8419]

in uganda we call it ''mobile money''

[@josephkimani2089]

254 to the world

[@MissionaryTraveller]

It is not a success because 1. Users are greatly overcharged for sending their own money. 2. It is not safe, countless have lost their money never to get it back! I'd rather use Bank to Bank transfer than Mpesa especially when transacting huge amount of funds.

[@ShaffieMusa]

Fuliza not Fulaiza

[@jimg1056]

Nyagaka was the backbone of the Mpesa idea while Hughe and his colleague contributed the resources to enable the idea. Thats how they 'founded' it. We all know what the innovation economy does to the "white/black guy." Anyway, it's still a WIN for Kenyans at the end.

[@KK-ygh]

Thats interesting...pls explain the real story..

[@jimg1056]

@@KK-ygh To cut the long story short; A poor and illiterate at the time Nyagaka proposed to Safaricom the whole innovative mobile banking concept which took the attention of the board. He then sold the rights under contract (in casual language was paid to keep quiet) to the company at a low price unknown to him it would later revolutionize the whole banking industry. Having realised later that his idea was too valuable, he asked the company for more money (and even sued it) but it was too late. By then the board (Vodacom included) had complete rights of the Mpesa. What a cruel world we live in

[@Infinity74856]

@@jimg1056 Since they have been generating infinite wealth on Mr Nyagaka`s idea ever since, they would have even offered him more money as a away of their gratitude and honor to Mr Nyagaka without being sued. But as you have said, humanbeings can be ruthless and evil. Mr Nyagaka is now watching his idea flourish and go global, while he himself might be dealing with financial struggles to his grave. Indeed, the poor have no right of honor in this cruel imbalanced world😭😭😭

[@naima5220]

Everybody claims ownership mara lecturer wa Nairobi mara mwanafunzi

[@DREAMS_OF_SUCCESS]

Ouk forgot one thing, patenting his idea. He got ripped off

[@Njabias]

Kenya to the World

[@ceyalmadina8466]

Charges for almost every transaction... and it's a monopoly so yaa go m-pesa

[@vincentcollins1017]

NICK DIDNT EVENT SHIT

[@Shi-g8y]

Ati mzungu tena

[@jayy_lyrics]

I invented mpesa. It's me. Real me

[@TheaCursed]

Mpesa was discontinued in Romania since 1 December 2017

[@garveymars8401]

This muzungu BLA BLA nonsense about mpesa,...am the only one mpesainventor

[@edmunddianga8641]

GET YPUR FACTS RIGHT...NEXT TIME USE GOOGLE MAYBE

[@mujaste1]

Ai making people lazy AF!!!

[@chepkiruilangat9725]

Real money transfer

[@tanzanite9944]

Mpesa in Tanzania 🇹🇿 is facing competition too as there other local mobile Money in Tanzania established and doing good such as Togo-Pesa. Airtel-Money, TTCL-Money and many more.

[@naibei_Tv]

Mpesa was invented by a Kenyan 😅

[@chepkiruilangat9725]

Rot of money

[@ndegwaalvin6597]

fulaiza😂

[@TheTeddykimani]

misleading information or 20 yera old information, mpesa is all over africa very successful

[@esthermuturi1027]

Today mpesa is stealing money from the customers there are slot of complains in Kenya fo your investigation from todays date

[@ephraimblack5578]

🇰🇪👍🏾😁

[@noahchibangu5]

fake news on who created it

[@meleas8262]

In south Africa it can't work because of security. It would be impossible for merchants to keep large sums in their shops.

[@thandisilec835]

Please stop, that’s not the reason. South Africa is a highly formally banked market and we have highly regulated developed banking system which mpesa as a mobile money transfer system would mostly serve unbanked and poorest in SA, they would have struggled to compete with the already available money transfer systems available in country. South Africans we’re already banked and even the poor and unbanked had other options that were easier and familiar and well distributed and connected to banking system, so why would they move to an unknown and poorly serviced and barely available system?

[@meleas8262]

@@thandisilec835 bro I'm in south Africa. ATM are only in secured areas .in Kenya you can even withdraw money in spaza shops . In south Africa u can't do that because of insecurity

[@meleas8262]

@@thandisilec835 that poorly developed system is being used even in America .u are just mentally locked u think south Africa is the best. Banking in kenya is way ahead of south Africa. Standard bank is south African but their services in Kenya are way ahead of the services in south Africa. They even have branches that operate 24hrs. You need to travel.

[@meleas8262]

@@thandisilec835 can u get a loan from your ewallet provider?

[@thandisilec835]

@@meleas8262 you must lack reading comprehension as I didn’t say it’s not a system that’s not developed for the market it was originally intended for, the unbanked in Kenya…I merely explained why it didn’t work in a more formally banked society…it failed 3 times of trying to launch it in SA and clearly many other countries because if it was successful in other countries like it is in Kenya, this video wouldn’t have been made by this channel. No idea how widely available or known it is by US consumers, I don’t live there so I only spoke on my country where I know it’s been a non-starter here and I explained to you the reasons why as you had given some wild unfounded reasons…vendors hold cash in SA in millions and security isn’t a threat and you clearly don’t know SA had had other money transfer systems which were working and entrenched that mpesa just couldn’t compete it convince users to switch. You also lack how business and meeting a market’s (consumers) needs work if you think people already using established money transfer systems and services in their country will switch to a new system that’s not well established and doesn’t give them a compelling reason as to why they should…the fact that is was not easily available with any vendors(Mpesa just has poor distribution and availability in SA as many vendors or business weren’t clamouring to partner with it in SA, hence I said it wasn’t easily available). I’m glad it works in some markets but clearly the market analysts for the mpesa owner didn’t do due diligence in researching what could set them apart in some other markets and adjust their service offering and user experience accordingly , hence this video also explained why it’s failed in other markets including India which has a huge unbanked citizenry. Lol I can’t even take your comments around banking in Kenya too seriously as I know financial services sector is a less regulated area there than it in SA, hence I also mentioned on my initial response that SA being heavily regulated in terms of financial services and banking also didn’t help mpesa in SA…you can’t just introduce a financial services offering without regulatory requirements being met. I know in Kenya you have hundreds of banks there so I guess it’s a more open market. Standard Banking hours being longer there honestly is neither here nor there, as banking services are highly digitised in SA, literally majority South Africans don’t go into banks physically to do banking now(mostly the elderly and less literate who have to go into brick and mortar for banking services),its all done on smartphones and all SA banks in SA know this and operate accordingly, so opening of banks for long hours wouldn’t make sense here. Maybe long banking hours are a market need in Kenya but not in SA because banks are open 24/7 here online with safe banking apps and platforms we can all accesses from wherever we are…even whilst travelling internationally. Makes life simple honestly. I do admire how mpesa works but clearly it’s well suited for some markets not all

[@FMercuryEA]

Who invented m.pesa or not is like asking who invented the wheel. It doesn't matter anymore.

[@welyn5499]

😏 Promo'SM

[@RadioSharkofficialKenya]

Lies Lies

[@ugalitamu9082]

Hahaha Kenyans who can't even make toothpicks are pretending that they invented a high tech transfer system. Not understanding that every single large company in Kenya is owned and run by mzungu....

[@likatalikata3823]

Tanzanian detected.

[@kensimiyu5926]

What are u saying mpesa is a kenyan invention na haturingi

[@toniehatin1224]

Don't pride yourself for being ignorant. Just do your research before opening your mouth. Mpesa was invented by a Kenyan

[@briangwehonamakindu5011]

Says a Tanzanian who's only known invention is witchcraft, envy, hatred for anything Kenyan and finally copious amounts of smelly poop!!

[@BMA19051]

u r sick men it is a fact men Mpesa was created by a brilliant computer science student at a Kenyan university, Nyagaka Ouko, and not by Nick Hughes.

[@antwainebarkley9765]

Lies lies..... Mpesa was not invented by white people 😂😂it was invented by a kenyan

[@njuenjagi4983]

You've seen the way they are really trying to twist the story whilst we all now that it was a Kenyan invention