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肯尼亚移动支付商M-Pesa正式登陆Google Play

国际资讯基于互联网平台的金融业务

肯尼亚移动支付商M-Pesa正式登陆Google Play

本周,Google Play宣布与移动运营商Safaricom旗下的M-Pesa达成合作,争取为更多无法使用信用卡支付的用户提供移动支付服务。

肯尼亚共拥有4500万人口,其中就有近3000万M-Pesa用户。此外,肯尼亚也是Google旗下安卓平台受欢迎程度较高的国家。据统计,Safaricom网络中有近1300万部智能手机使用的都是安卓系统。

谷歌非洲Android合作伙伴主管Mahir Sain表示,开放的开发者系统对于提高信用卡普及率较低市场的支付服务品质至关重要。

2007年,Safaricom正式推出了M-Pesa平台,起初只提供转账服务,后期逐渐增加了支付功能。该平台受肯尼亚中央银行监管,用户即使没有银行账户,也可以借助M-Pesa与当地银行的合作伙伴关系获得银行服务。

一直以来,Safarimcom一直在寻求机会扩大M-Pesa的市场份额,但是来自母公司的控制阻挡了这一进程。目前,Safaricom在肯尼亚市场的用户总数已经达到2970万,市场占比71.9%,远超其他两个竞争对手。集团股权结构中,南非集团Vodacom拥有35%股权,Vodacom的主要股东沃达丰拥有5%股权。

此前,该公司曾计划将公司的金融与电信服务进行分离,但是该计划已经在今年1月被肯尼亚电信监管机构否决。

 

To allow users to make payments in a country where many people don’t have access to credit cards, Google Play has begun accepting payments through mobile phones in Kenya. The games and apps platform now works with Safaricom’s M-Pesa, Reuters reported.

M-Pesa has amassed almost 30 million users in Kenya, which has a population of 45 million people; it’s a country where Google’s Android platform is popular. In fact, most of the 13 million smartphones on Safaricom’s network there run on Android.

“This is very important to the developer ecosystem in markets where credit card penetration is low,” said Mahir Sain, head of Africa Android Partnerships at Google.

Safaricom’s M-Pesa began in 2007 as a way for people to transfer money. Since then, it has evolved to allow users to pay merchants for goods and services. Regulated by the Central Bank of Kenya, the platform gives users access to bank services through partnerships with local banks, even if they don’t have a bank account.

Safaricom has been looking to expand M-Pesa for some time, as reported in 2017, but its hands have been tied by the wishes of its parent company, Vodafone. The company is much larger than its two main competitors in the local mobile market, with 29.4 million users — 71.9 percent of Kenya’s total market. It is 35 percent-owned by South African group Vodacom and 5 percent-owned by Vodacom’s major shareholder Vodafone.

In January, Kenya’s telecom regulator reportedly backed off a plan that would have seen the firm’s financial services and telecommunications functions divided off from each other. The move was considered due to Safaricom’s massive size.


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