Hi, everybody. I personally think that Zain back then known as Kencell, could have revolutionised Mobile Money Tranfer in Kenya had they just been a little bit aggresive. It was 2005, when I had an opportunity to work with one of their products known as EVD which was specifically used by scrachcard vendors commonly known as simu ya jamii. Vendors would first get registered by any dealer and then frequently load airtime on the simcard given to them. They would then sambaza you airtime electronically upon your request, that is if you've paid. The EVD system was usually used through a mobile phone and was very simple to use just like the m-pesa. I think m-pesa also inherited from it, the drawback of sending money to the wrong person. Cause at times one would send airtime to the wrong person using the EVD. Having launched such a product in the market, these guyz (KENCELL) shuld have pioneered mobile money transfer cause both the EVD and m-pesa shared the same concept of functionality.