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# M-PESA Reaches 40 Million Monthly Active Users in Kenya on 19th Anniversary
- URL: https://www.theglobalbanker.com/m-pesa-safaricom-40-million-monthly-active-users-kenya-19th-anniversary/
- Published: 2026-03-06T18:11:00.000Z
- Updated: 2026-10-02T14:30:03.000Z
- Description: M-PESA has hit 40 million monthly active users in Kenya, up from 34 million in 2024, as it marked 19 years since its launch in March 2007.
- Author: TGB Editorial Team
- Tags: Fintech, Africa, #archive

M-PESA, the mobile money service operated by Safaricom, reached 40 million monthly active users in Kenya as it marked its 19th anniversary in March 2026\. The figure represents an addition of 6 million users from the 34 million monthly active users recorded in 2024.

The platform handles tens of millions of transactions a day, and Safaricom has continued to invest in scaling its capacity under its Fintech 2.0 upgrade. The service is supported by a nationwide agent network.

#### BACKGROUND

Launched in 2007 as a peer-to-peer transfer service, M-PESA now offers payments, savings, credit, and investment products. 

#### INVESTMENT AND CREDIT PRODUCTS

Safaricom has added investment and lending capabilities to the M-PESA platform in recent periods. The Ziidi Money Market Fund, which received Capital Markets Authority approval in November 2024, allows users to access investment products directly through M-PESA. The Ziidi Trader product offers additional investment functionality, while the Fuliza facility provides eligible users with short-term credit to cover transaction shortfalls.