Safaricom has announced that its mobile money platform M-PESA has surpassed 40 million monthly active customers in Kenya.
Since its inception on 6 March 2007, M-PESA has evolved from a basic peer-to-peer transfer service into a comprehensive financial ecosystem.
"Reaching 40 million monthly active customers in Kenya is a milestone we celebrate as we recommit to enabling every Kenyan to transact safely, grow their savings, and build their wealth," said Peter Ndegwa, CEO of Safaricom PLC. "To us, every M-PESA transaction tells a story of someone building their future."
The company claims its Fintech 2.0 financial services initiative has helped to accelerate adoption of M-PESA.
Over the past year, continued investments in technology and enhanced fraud-prevention systems have further strengthened M-PESA’s security and reliability. Business solutions such as Lipa na M-PESA, Pochi la Biashara, and Global Pay have also played a critical role in digitising the Kenyan marketplace.
In November 2025, Safaricom also officially launched Daraja 3.0, a comprehensive overhaul of its M-PESA API platform. The launch marked a pivotal shift in the company’s fintech strategy, moving beyond simple payment processing to a holistic “Fintech 2.0” ecosystem that champions embedded finance and the M-PESA Super App.
While previous iterations of the platform - Daraja 1.0 and 2.0 – focused primarily on enabling businesses to seamlessly collect and disburse payments, Daraja 3.0 is designed for the era of the “Super App.”
Crucially, Daraja 3.0 introduced capabilities that allow third-party developers to build “Mini Apps.” These are lightweight applications that run directly within the M-PESA Super App, granting businesses instant access to Safaricom’s monthly active user base, without requiring customers to download separate apps.
“M-PESA remains committed to ensuring that everyone has the confidence and tools to navigate life’s financial journey”, Ndegwa noted.
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