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Initially released in 2007 by Vodafone , Vodacom and Safaricom , M-Pesa enables anyone in its operational territories with a mobile phone to access financial services . With a presence in Africa , southeastern Europe and India , M-Pesa has made huge strides in the financial enablement of the unbanked as well as cutting financial crime rates in cash-based societies . Customers can use the service to send and receive money , deposit and withdraw money , and pay for goods and services . As of 2019 , M-Pesa had 37 million active users , around 400,000 agents , and seven operational markets . FEBRUARY 2020