A look at mobile money in Kenya.

1. Commerce Txt
By: Jim Puckalo
For the Course FILM315 @
Queen's University, Kingston, ON

2. Phone companies have
long allowed individuals..
Image courtesy of the U.S.
National Archives on Flickr

3. ..to purchase “air-time”
and to send this credit
to other users.
(i.e., pre-paid cell phone
credit that can be used
for voice or SMS
communication)
Source: The Economics of M-Pesa
Image by lalunablanca on Flickr

4. In March 2007, Safaricom
launched M-PESA, an SMS-
based money transfer system
that allows individuals to..
Image courtesy of the U. S.
National Archives

5. Deposit
Image by tonyhall on Flickr

6. Send
Image by emilsioblom on Flickr

7. Withdraw..
Image by emilsioblom on Flickr

8. ..funds using their cell phone.
Source: The Economics of M-Pesa
Image by Images of Money on Flickr

9. M-Pesa =
Image courtesy of Jim Puckalo

10. M(obile)
+
Image by RambergMediaImages on Flickr

11. Pesa
(Swahili for “Money”)
Image by vomanimus on Flickr

12. In Kenya..
Image by erikprunczyk on Flickr

13. Money can be
zapped from one
part to another in
seconds.
Image by mlk_global on Flickr

14. For people used to queuing at banks
for hours to pay bills or school fees,
the M-PESA money-transfer service is
a godsend.
Image by emilsioblom on Flickr

15. No wonder it is used by 9.5m people, or 23% of the
population, and transfers the equivalent of 11% of
Kenya’s GDP each year.
23%
Use M-Pesa
Source: The Economist

16. If we think of Canada's population..

17. 1 in 4
Canadians would
be using M-Pesa
Image by Mister_Jack on Flickr

18. Or all of Bell Mobility's customers..
+more..
a few
20%
Of Canadians
use Bell

19. M-PESA has spread quickly and
has become the most successful
mobile phone-based financial
service in the developing world.
Source: The Economics of M-Pesa
Image courtesy of the Australian
War Memorial collection

20. M-Pesa has now
expanded into:
Afghanistan
Tanzania
South Africa

21. Tanzania
Afghanistan
South Africa
Image by Norman B. Leventhal
Map Center at the BPL on Flickr

22. Not bad for a little SMS text
messaging service

23. Presentation for
#Film315 at
Queen’s
University,
Kingston, Ontario,
Canada
Image by cesarharada.com