Interesting points,<div><br></div><div>I&#39;ve updated my blog with Bob Collymore&#39;s response to yu here <a href="http://t.co/8QremHXt">http://t.co/8QremHXt</a><br><br><div class="gmail_quote">On Wed, Feb 1, 2012 at 10:41 AM, Dennis Kioko <span dir="ltr">&lt;<a href="mailto:dmbuvi@gmail.com">dmbuvi@gmail.com</a>&gt;</span> wrote:<br>
<blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">I am not sure M-PESA has failed in Tanzania.<br><br>IMO, M-Pesa&#39;s failures in other countries stems from regulatory approach, where banks in those countries, after seeing what M-Pesa was capable of, lobbied the regulators in the country to over-regulate the product, which in result means that there is little use case for it. <br>

<br>In SA, M-Pesa is run off a bank whose clientèle is mostly well off. <br>
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