[sholanozie]

I think you're looking at the article in an overly-cynical way.

"M-Pesa is not an attempt to recreate developed countries’ banking systems in Africa. Instead, it’s an idea which has been tailored to the Kenyan environment. Rather than giving up on poor, isolated communities as unbankable, it has extended financial services to their most apparently unlikely customers."

Where exactly are the alternatives demonized? The author simply suggests that tailoring a solution to an environment (in this case, Kenya) is ultimately more beneficial to those within the environment than a one-size-fits-all approach that only serves a privileged few.