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Robust mobile payment services are propelling e-commerce in Kenya.  

Kenya ranks as the seventh most populated country and the largest economy in Eastern and Central Africa. It has been experiencing continuous economic growth due to extensive political and economic reforms. Furthermore, e-commerce has received immense traction, having seen a 20% growth in 2017 alone. Such trends arise from a vastly young and tech-savvy population as well as an internet penetration of a whopping 89.4% which is accounted as the highest in Sub-Saharan Africa.  

The surge in availability of affordable smartphones and widespread internet access through mobile devices has given rise to innovative and highly disruptive mobile payment services in Kenya. Mobile money payment methods make up approximately 99% of all online transactions and include M-Pesa, Airtel Money, Equitel, T-Kash.

Kenya Map

M-Pesa alone has revolutionized mobile-based financial services by greatly empowering the largely unbanked Kenyan population since 2007. Owning a bank account is not a prerequisite for M-Pesa, instead all that is required is an 18-digit identity card that unlocks a plethora of opportunities for Kenyan customers and global merchants. Transfer of money between users can be made by submitting cash to a designated agent, in return a code is provided which is sent to the receiver in question. The receiver is entitled to the cash once the code has been approved through an agent.

Equity Bank’s mobile banking platform; Equitel makes up one-fifth of all mobile money transactions. Airtel Money, too, enables mobile payments through a network of over 10,000 agents countrywide. Although credit and debit card payments make up only 0.2% of all online transactions, the penetration and growth of usage is increasing rapidly. Additionally, partnership with Cellulant offers bank transfers through nine local banks.

PayU is opening a door way for global merchants into an upcoming yet thriving e-commerce market. PayU’s thorough knowledge of the Kenyan market and our ability to provide access to secure yet ground-breaking mobile payment services will provide a wealth of opportunities and support for business growth.

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