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# Safaricom Launches M-PESA Fintech 2.0 Upgrade, Lifting Kenya Platform Capacity to 6,000 TPS
- URL: https://www.theglobalbanker.com/safaricom-m-pesa-fintech-2-upgrade-6000-tps-kenya/
- Published: 2025-09-19T16:22:00.000Z
- Updated: 2026-10-02T14:34:01.000Z
- Description: Safaricom has unveiled the biggest M-PESA overhaul since 2015, raising transaction capacity to 6,000 per second and embedding AI fraud detection.
- Author: TGB Editorial Team
- Tags: Fintech, Africa, #archive

Safaricom has announced the most significant overhaul of the M-PESA platform since 2015, a package the Nairobi-listed operator is branding Fintech 2.0\. Unveiled on 19 September 2025, the upgrade raises the mobile money service's processing capacity from 4,500 to 6,000 transactions per second and embeds artificial intelligence-powered fraud detection throughout the system, the company said in a statement published on its website.

In its most recent financial year, M-PESA processed 37.15 billion transactions worth KSh 38.29 trillion — approximately $292 billion.

#### ARCHITECTURE BUILT FOR SCALE

Beyond the immediate capacity uplift, the Fintech 2.0 architecture is engineered to reach 12,000 transactions per second. 

The AI fraud-detection layer is integrated into the platform at a structural level rather than added as a separate system. Safaricom said the integration is designed to act in real time, flagging and blocking suspicious activity as transactions move through the network. 

Safaricom said the upgraded infrastructure is intended to support an expansion of the financial services available through M-PESA, including savings products, lending facilities, and merchant tools. 

Safaricom describes M-PESA as Africa's largest fintech ecosystem.