[coderintherye]

I think, while your view point is valid, it ignores that, at the time, M-PESA was a huge leap forward. They were doing mobile money before pretty much anyone. Now, yes, Safaricom has monopolized it and is falling behind and overcharging, but that doesn't negate the initial innovation having been world-changing.

[prisonguard]

technology has gone past simple cash transfer via USSD we are talking of virtual currencies, trust networks, tokens now.