A. ICT PROGRAM
iHUB Ecosystems in Kenya iHub.
iHUB Ecosystems in Nigeria CcHub
B. MOBILE MONEY PAYMENT PROGRAM
The global leader in mobile money is Kenya, where mobile network operator Safaricom launched M-Pesa in 2007. Less than five years after launch, there are approximately 16 million users of mobile money in Kenya, conducting over 2 million transactions every day. M-Pesa is not only being used for standard money transfers and airtime purchase, but also to pay salaries, utility, and other bills, and to buy goods and services at both online and physical merchants. Three other mobile operators have also begun to offer mobile money services in Kenya – Airtel, Orange, and Essar (Yu) – and other players have recently emerged to offer complementary services. In addition, many aid donors and their implementing partners have already begun to integrate mobile money into their programs and are at the forefront of this learning opportunity (USAID REPORT, 2011).