@Gentlemen, thank you for the links and info. Indeed it is a new development and since you may know more, lets actually go into specific details about this development. Firstly, a point of clarification is needed and corrections are welcome. Safcoms hold a bank account that allows mpesa transactions. There are billions of Kshs that get transacted on this account and each time people use it to hold financial amounts, has Safcom been earning huge interest from you and not been paying you any accumulated interest amounts? Say eg : you held 35,000/- kshs in your mpesa account and did not transact it for 30 days and going by what banks can offer on short term interests, would your money have grown by 1% ? Secondly, what is the excat value of the the new product to kenyans? Equity has been offering low income banking services for a while, what changes now with the new development? Asante. :-)