Safaricom and M-Pesa: How a Kenyan Telec Diagram

失败与踩坑

• Low user acceptance following the launch…
• A 2012 system outage prevented users fro…
• Slow initial expansion of M-Pesa in East…
• Remote area agents being unable to cash …

关键成功要素

• Seizing the core transfer demand of unba…
• The agent network is M-Pesa's true moat
• Building closed-loop transfers first
• The Central Bank of Kenya's long-term ta…
• Chinese technology partners like Huawei …

经验教训

• In markets that are financial deserts
• The key to the agent model is ensuring f…
• Once a product becomes public infrastruc…
• When replicating from one country to ano…

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