[monus21]

The OP has made some huge assumptions here but MPESA, even with all its social and economic benefits, only got to where it is today because of Vodafone's deep pockets.Don't really see a similar Bitcoin champion emerging in these parts.

[krmboya]

I'd say MPESA met a great need, and maintained it's lead ahead of competitors because of network externalities. Speaking from first-hand experience.