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The service enables its users to: The user interface technology of M-Pesa differs between Safaricom of Kenya and Vodacom of Tanzania, although the underlying platform is the same.While Safaricom uses SIM toolkit (STK) to provide handset menus for accessing the service, Vodacom relies mostly on USSD to provide users with menus, but also supports STK.In 2017 6,869 billion KShs were moved according to a figure in Safaricoms own annual report, with a revenue of 55 billion KShs.This would put Safaricom's profit ratio at around Tavneet Suri, based at MIT, and William Jack, based at Georgetown University have produced a series of papers extolling benefits of M-Pesa.Users are charged a small fee for sending and withdrawing money using the service.
and DFID introduced the researchers to Vodafone who had been discussing supporting microfinance and back office banking with mobile phones.Development and second line support responsibilities were transferred to IBM in September 2009, where most of the original Sagentia team transferred to.Following a three-year migration project to a new technology stack, as of 26 February 2017, IBM's responsibilities have been transferred to Huawei in all markets.M-Pesa has spread quickly, and by 2010 had become the most successful mobile-phone-based financial service in the developing world.By 2012, a stock of about 17 million M-Pesa accounts had been registered in Kenya.
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By June 2016, a total of 7 million M-Pesa accounts have been opened in Tanzania by Vodacom.