9d18f9be_es___Deloitte_University_Press__1
[0] Pesa Pap! & Safaricom’s M-Pesa Mobile Banking [2] Demonstrated Results!Pesa Pap! tailored its offering to the needs of the low-income segment in Kenya, providing loans instantaneously, without requiring a trip to the bank or paperwork, and accommodating irregular cash flows. [3] • Bring the Bank to the Customer: Provided rural populations with access to finance when they needed it through a service provider that almost everyone in the country has access to and that most vendors accept.• Show Me the $$$$: Pesa Pap! provides credit to the buyer at the time of purchase, allowing consumers to finance the purchases they need to make when they need to make them; it acts much like a credit card in developed markets, but at the scale needed. [1] 
M-Pesa is a mobile banking program started by Safaricom and catering to low-income customers. Linked through a commercial bank, M- Pesa accounts allow customers to undertake banking functions through their mobile phone, including sending and receiving money. Pesa Pap! is a program that allows customers to apply for and receive microloans through their phones on the spot.29
Generating demand for clean cookstoves in developing countries | Deloitte University Press