It's all about popularising the google brand in this region. Period! I bet that this was entirely google's brain child. Equity however gains by levying transaction fees on google's operations involving the card. (Word has it that this role was previously with Safaricom's MPESA platform) For the Matatu owners? The carrot is simply the premise of sealing revenue leaks. The success of this venture heavily depends on whether the Matatu crew will accept to forgo their daily pilferage on the Matatu revenues.