Digital Credit: Consumer Protection for M-Shwari and M-Pawa Users

Digital credit products are only going to become a more important element of financial services in emerging markets where expansion of mobile money platforms has created potential borrower segments of millions of consumers that are only an SMS away.

The Second Coming of M-Shwari: Beyond Early Adopters

InterMedia conducted a study of M-Shwari users and found that in just over a year after launch, M-Shwari achieved the highest level of awareness and use compared with other beyond-basic mobile wallet products in Kenya.

Why M-Shwari Works

With the rapid uptake of M-Shwari, Commercial Bank of Africa (CBA) is the envy of the digital financial services industry. Many factors led to M-Shwari's success, including that it solves a real problem faced by Kenyans: on demand liquidity.

Top 10 Things to Know About M-Shwari

CGAP’s latest Forum publication explores M-Shwari and examines what a critical gap it fills for Kenyan households. We highlight 10 facts about M-Shwari that mobile money watchers should know.

M-Shwari in Kenya: How is it Really Being used?

In recent years, Safaricom has launched a number of value-added services through its M-PESA product in Kenya, aiming to move its customer base beyond basic money transfers. M-Shwari is by far the most popular of the offerings.