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A brief introduction to Susie Lonie : Vodafone / Safaricom 08/05/07 – WBZ A brief introduction to Susie Lonie : Vodafone / Safaricom 08/05/07 – WBZ

Empowering the Unbanked • M-PESA was designed to provide Financial Services for the many Empowering the Unbanked • M-PESA was designed to provide Financial Services for the many Kenyans without access to conventional banking • Originally a DFID co-funded pilot to make Finance more accessible • Business based upon high volumes of low value transactions 08/05/07 – WBZ

What is M-PESA ? • Money transfer by SMS • Fast, Safe, and Easy What is M-PESA ? • Money transfer by SMS • Fast, Safe, and Easy to use • Available to anyone • no need for a bank account • no joining fee • no monthly charges • no minimum balance • Pay As You Go charging model 08/05/07 – WBZ

M-PESA today • Go to an M-PESA Agent to: Buy M-PESA e-money ØDeposit money M-PESA today • Go to an M-PESA Agent to: Buy M-PESA e-money ØDeposit money your M-PESA account Sell M-PESA e-money ØWithdraw your e-money as cash • send money to another by SMS instruction • buy Safaricom prepaid airtime 08/05/07 – WBZ

Launch Proposition 08/05/07 – WBZ Launch Proposition 08/05/07 – WBZ

Cash In / Cash Out • Local shops register as Cash In/ Out Agents Cash In / Cash Out • Local shops register as Cash In/ Out Agents • Currently over 360 Agents nationwide Ø many are Safaricom airtime dealers Ø others are petrol stations, supermarkets… • Agents have both cash & e-money floats • Network being extended to include banks 08/05/07 – WBZ

Registering for M-PESA Go to an Agent to register: 1. You may need a Registering for M-PESA Go to an Agent to register: 1. You may need a free “new. generation” SIM card* 2. Register your account 3. Send M-PESA an SMS M-PESA will send you a new menu 08/05/07 – WBZ * All SIMs since October are new generation

Buying M-PESA value Go to an Agent to buy M-PESA emoney uses his phone Buying M-PESA value Go to an Agent to buy M-PESA emoney uses his phone to send e • Agent money to your M-PESA account • You both receive an SMS confirmation • You give him cash in return 08/05/07 – WBZ

Sending M-PESA value In your M-PESA menu pick “send money” & enter 1. Recipient Sending M-PESA value In your M-PESA menu pick “send money” & enter 1. Recipient phone number 2. How much you want to send 3. Your secret PIN You both receive SMS confirmation of the tra 08/05/07 – WBZ

Withdrawing cash CLIENT Can I withdraw $10? AGENT Yes SMS Instruction Withdraw cash From Withdrawing cash CLIENT Can I withdraw $10? AGENT Yes SMS Instruction Withdraw cash From Agent SMS Instruction Give cash To customer MOBILE NETWORK M-PESA ACCOUNT MANAGER Transaction information CLIENT A 08/05/07 – WBZ AGENT M-PESA ADMIN

How does M-PESA work ? • M-PESA is electronic value [e-money] backed by real How does M-PESA work ? • M-PESA is electronic value [e-money] backed by real money in a conventional bank account • Users can • buy e-money for cash • send it to others by SMS instruction • sell e-money in exchange for cash • Safaricom has the Trust Account with the real money • M-PESA records to whom that money 08/05/07 – WBZ

Moving M-PESA in the system Ø Agents buy M-PESA e-money for their store floats Moving M-PESA in the system Ø Agents buy M-PESA e-money for their store floats by depositing money into the M-PESA bank account Ø Clients M-PESA E-MONEY ACCOUNTS buy it for Cash AGENT 1 CLIENT A $ 1, 000 AGENT 2 $ 1, 000 08/05/07 – WBZ CLIENT B

Moving M-PESA in the system 1. Susie buys $20 at Nairobi Agent 2. Susie Moving M-PESA in the system 1. Susie buys $20 at Nairobi Agent 2. Susie sends it to Mother 3. Mother cashes $20 at Meru Agent M-PESA E-MONEY ACCOUNTS NAIROBI AGENT $ 980 1, 000 MERU AGENT $ 1, 020 1, 000 08/05/07 – WBZ SUSIE XXXXX $ 20 MOTHER XXXXX $ 20

What does it cost ? • M-PESA is very competitively priced • A full What does it cost ? • M-PESA is very competitively priced • A full tariff is available. Example charges are: Total Cost of sending: $15 $75 $150 to another M-PESA customer $0. 83 $1. 13 $1. 60 to an Unregistered* customer $1. 13 $1. 50 $2. 65 *whether subscribed to Safaricom or another network 08/05/07 – WBZ

Future M-PESA Services Many other services are being developed v International Money Transfers with Future M-PESA Services Many other services are being developed v International Money Transfers with Citigroup v Salary Payments v Utility payments - rent, pension contributions etc v Merchant payments [in store] v Facilitating Microfinance and Banking services 08/05/07 – WBZ

08/05/07 – WBZ 08/05/07 – WBZ