他的这种感叹与最近M-Pesa开发多种产品的创举一致。6月，该公司推出了叫车软件Little Cab，为乘车者提供比竞争者收费更低的服务。同时M-Pesa与Ericsson合作，帮助偏远地区居民购买清洁饮用水，与能源公司 M-Kopa合作，让消费者可以使用手机购买太阳能电力。
The future of M-Pesa, the world’s leading mobile money-transfer system, lies in transforming the service’s “clumsy” technology into something more efficient, innovative, and collaborative. At least that’s the vision spelled out by the company’s CEO.
Speaking to an audience in New York on Oct. 17, Bob Collymore, head of M-Pesa creator Safaricom, acknowledged that the Kenyan firm was “a little bit more open than we used to be” when it comes to developers plugging into their system, and said he hoped to make M-Pesa into a platform for innovation. But to keep up in the fast-paced tech industry, Collymore said a lot of work needs to be done. He described M-Pesa as “far from elegant” when stacked up against other tech products.
“We see that the technology we have today is very clumsy,” Collymore said. “We should have open systems. It’s an open world.” He said M-Pesa was open to global partnerships that would help it address crucial, everyday issues in the African continent—from electricity to water to agriculture.
M-Pesa kickstarted a mobile money revolution when it launched in 2007 and has since grown to 20 million active users, according to Collymore. A staggering 43% of Kenya’s GDP flows through the platform. But after a decade in business, the company is facing new limitations and mounting competition. Visa, which has struggled to promote credit cards in the region, recently launched an M-Pesa competitor in Kenya, called Mvisa.
Earlier this year, Safaricom’s parent company Vodafone scrapped M-Pesa in South Africa, where fewer people use mobile money services. The lack of interoperability between different countries’ systems is also limiting the platform’s ability to grow in emerging markets.
Collymore still hopes to make M-Pesa ubiquitous across the continent. “I just want it to be like WhatsApp,” he said on Oct. 17, referring to the Facebook-owned messaging app currently used by 1 billion people in 180 countries.
His sentiments are in line with recent initiatives to diversify M-Pesa products. In July, the company launched Little Cab, a ride-hailing app that offered passengers cheaper fares than those of competitors. M-Pesa has also partnered with Ericsson to help rural residents pay for clean water, and with energy firm M-Kopa to let customers buy solar electricity with their mobile phones.
These kinds of initiatives improve the digital ecosystem around M-Pesa, and will hopefully guarantee the service’s future, Collymore says. To spread the company’s foothold, Safaricom is also looking into harnessing the data produced by its large customer base and investing in more e-commerce ventures. Over the past 15 years, e-commerce has expanded to a $395 billion industry in Africa.
“If you are running a business,” Collymore said, “the purpose of business has to be [about] literally solving problems. Nothing else.”