CGAP recently partnered with the Busara Center for Behavioural Economics to find out how low-income Kenyans use M-PESA. Findings highlighted that M-PESA remains primarily a payments tool while users save elsewhere, digital credit does not stay digital for long, and the average user saw 2 to 5 agents for deposits compared to 10 to 20 for withdrawals.
How Do Kenyans Really Use M-PESA?
CGAP
