"M-PESA, launched in 2007, provides banking transactions without the need
 to visit a bank branch by using mobile phones and 19,500  agents where 
customers can deposit and withdraw money, pay bills, purchase airtime 
and transfer money to other users and nonusers. It is run by <i><u>IBM Global 
Services for Vodaphone</u></i>&quot;<br><br><a href="http://www.forbes.com/sites/tomgroenfeldt/2011/12/22/ibm-helps-sweeten-earnings-for-kenyan-sugar-cane-cutters/">http://www.forbes.com/sites/tomgroenfeldt/2011/12/22/ibm-helps-sweeten-earnings-for-kenyan-sugar-cane-cutters/</a><br clear="all">
<br>-- <br>Peter Muchemi<br>Software Developer<br><a href="http://www.software.co.ke" target="_blank">http://www.software.co.ke</a><br>+254 722 320986<br><br><br><br>