In today’s digitally connected world, financial services have become increasingly accessible through mobile applications and web interfaces. Traditional banking institutions have embraced this shift, offering their customers the convenience of performing transactions and managing their accounts online.
However, when it comes to mobile money services, the landscape is still somewhat limited. One such example is Kenya’s renowned mobile money platform, M-PESA , which currently operates solely through mobile apps ( mySafaricom app, M-PESA App), SIM toolkit, and USSD .
It is high time for M-PESA to evolve and embrace a web-based interface, unlocking greater potential and accessibility for millions of users.
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- How to reverse an M-PESA Transaction using mySafaricom App
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The ubiquity of smartphones in Kenya has undoubtedly contributed to the success of mobile money services like M-PESA. However, we cannot overlook the fact that not everyone owns a smartphone, and not all users find the existing channels as user-friendly as desired.
A significant portion of the population still relies on feature phones or has limited access to mobile data, making it challenging to use M-PESA through mobile apps, only SIM toolkit.
Furthermore, these platforms (USSD and SIM Toolkit) might not be as intuitive for some users, especially those less familiar with technology or navigating complex menus.
Introducing a web-based M-PESA interface would cater to a broader audience, accommodating users with a wider range of devices, including smartphones, feature phones, tablets, and computers. This move would effectively democratize access to financial services, empowering more Kenyans to participate in the digital economy and fostering financial inclusion.
Users can have a more wholesome experience
Additionally, a web-based interface would also enhance the user experience for existing M-PESA customers. Many tasks that might feel cumbersome through mobile apps or USSD could be streamlined on a web platform, offering a more comfortable and intuitive interface. Users could enjoy a more comprehensive overview of their transaction history, manage beneficiaries, and access additional services seamlessly. A web-based M-PESA platform would provide users with a unified experience, allowing them to switch between their devices as needed, providing the utmost convenience.
Everyone else has a Web version of their services, even GoK
Kenya has been at the forefront of embracing digital technologies, evident in the success of the eCitizen platform. The eCitizen platform has revolutionized access to government services, consolidating various services into a one-stop-shop digital portal.
This transformation has simplified interactions with the government and set a precedent for other industries to follow suit. Safaricom, the company behind M-PESA, has played a pivotal role in the nation’s digital journey . However, it is essential for them to continue being a trailblazer in this digital transformation by adopting a web-based interface for M-PESA.
Related:
- 16 Years of M-PESA in Kenya. How Has it Changed the Game?
- Sending Money Abroad from M-PESA Through Western Union: A Step-by-Step Guide
A web-based M-PESA interface aligns with Kenya’s vision of becoming a digital-first economy. As more services and businesses transition to the digital realm, it is crucial for mobile money platforms to adapt accordingly. By providing a web interface, M-PESA would be well-positioned to integrate with a broader array of digital services, facilitating seamless payments and transactions for online purchases, utilities, and various other digital interactions.
Banks have set a precedence
Equity Bank, Absa Bank, Kenya Commercial Bank, NCBA Loop. All these local banks offer their customers some form of online banking. Through these online platforms, Kenyans are able to perform many of the services that would have otherwise required them to visit a branch.
Related:
- How to make M-PESA to Bank deposits
- Here are the M-PESA Paybill and Buy Goods Charges for 2023
Of course, Safaricom also does have its Shops spewed across the country but for the most part, many transactions are able to be performed remotely, and this forms the basic premise of M-PESA as a platform. Including a Web-based version of M-PESA could bring the platform to par with the other financial institutions in the country. Moreso bearing in mind that these banks strive to make their services interoperable with M-PESA, to begin with.
Safaricom Already has an Elaborate Web-based Portal
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- How to get your Safaricom M-PESA account statement
However, the M-PESA section on this platform is barebones, to say the least. Other than a Cost Calculator and options for getting your M-PESA Statement, there really is nothing there.
Safaricom could focus its efforts on this platform and soup up the M-PESA experience, meaning they don’t really have to start from scratch.
A Web-based M-PESA would be a Win for Users abroad
For Kenyans abroad, a Web-based M-PESA interface would make payments, remittances, and savings a far less daunting task. It would eliminate the high fees they’re subjected to by other cross-border financial services and the security risks associated with using those. A Web-based M-PESA interface would help users abroad overcome these challenges and enjoy the benefits of M-PESA more easily.
A Web-based M-PESA interface would allow users abroad to access their M-PESA accounts from any device with an internet connection, such as a laptop or a tablet. This would increase the convenience and flexibility of using M-PESA for cross-border transactions.
More Customers in Waiting?
If, along with a web-based client, Safaricom finds a way to eliminate the need for a SIM card or a mobile phone, this would make M-PESA a global brand, allowing users abroad to use the M-PESA platform in any country, regardless of the availability of M-PESA agents or partners. Imagine what this would mean for M-PESA. Wouldn’t it be taking on the Western Union and Moneygrams of the world?
See, a Web-based M-PESA interface would also reduce the costs and associated with using M-PESA abroad. Users abroad would be able to avoid the high fees charged by intermediaries , such as banks or mobile operators, who facilitate the transfer of funds between M-PESA and other platforms .
This would enable users abroad to leverage the advantages of M-PESA for their personal and business needs.
Related:
- How to Save Money with M-PESA: The Ultimate Guide
- Here are all the ways to access M-Shwari
Another Secure Avenue to Access your Money
Moreover, a web-based M-PESA interface can bolster security and mitigate risks associated with mobile app usage. While mobile apps are typically secure, they are not immune to vulnerabilities. By offering an additional secure channel through web browsers, users would have the option to choose the platform that best aligns with their security preferences.
The potential security benefits of a web-based M-PESA interface extend to businesses and entrepreneurs as well. Currently, merchants who want to receive payments via M-PESA need to implement cumbersome PayBill numbers or use third-party solutions like local Banks. A web interface would make it easier for businesses to integrate M-PESA into their websites or e-commerce platforms directly.
This integration could foster a more robust digital economy, allowing small businesses to thrive and expanding the reach of their products and services.
We do need More
Critics might argue that the existing mobile app and USSD channels are sufficient to cater to the needs of M-PESA users. However, it is crucial to recognize that innovation and progress should never be limited to just “ sufficient .” Embracing new technologies and expanding access to financial services is not just about fulfilling existing demands but also about unlocking new possibilities and transforming lives.
Conclusion
The time has come for M-PESA to take the next step in its evolution by introducing a web-based interface. By doing so, Safaricom can lead the charge in Kenya’s digital transformation and drive financial inclusion to even greater heights.
A web-based M-PESA platform would provide a more inclusive, user-friendly, and secure solution for millions of Kenyans, empowering them to participate fully in the digital economy. As Kenya continues to progress in the digital realm, M-PESA must remain at the forefront, driving innovation and paving the way for a more digitally connected and prosperous nation.
That said, it is still very commendable for Safaricom to offer its M-PESA users a myriad of ways to access the platform. But they can do a little more.
I’m a tech enthusiast and digital explorer based in Kenya passionate about Android, Linux, and the world of custom ROMs. I love tinkering with devices to craft personalized, optimized experiences. When I’m not deep in code or tweaking gadgets, you’ll find me immersed in science fiction, philosophy, or writing about the ever-evolving tech landscape from an African perspective.
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Talkio Mobile , Uganda’s newest telecommunications service provider, is excited to announce a groundbreaking partnership with Banana Life Investments, a leading chain of mobile phone and retail shops. This strategic alliance aims to bring Talkio’s innovative telecom services closer to Ugandans.
This collaboration will leverage Banana Life Investments’ extensive retail network of 26 stores strategically located across Uganda in major malls, towns, and cities to provide customers with unparalleled convenience. Through this partnership, Talkio Mobile will offer its full suite of services, including SIM cards, airtime, and exclusive product offerings at any Banana Life Investment location.
This partnership is more than a business initiative—it’s a shared commitment to transforming lives. By integrating Talkio Mobile’s forward-thinking services & nationwide reach with Banana Life Investments’ retail footprint, the two brands are setting a new standard for customer convenience and inclusivity.
READ ALSO: 5 Things You Need to Know About Talkio Mobile: New Telecom Company in Uganda
“This partnership aligns perfectly with our mission of connecting Ugandans to innovative and transformative telecom solutions,” said Vianne Allan Ahura, CEO of Talkio Mobile. “By leveraging Banana Life Investments’ trusted presence and nationwide footprint, we are not only expanding our agent network but also bringing our services closer to the communities we serve. This collaboration ensures that our online customers can now enjoy a seamless offline experience right at their doorstep. Together, we are empowering Ugandans with the tools they need to stay connected, grow their businesses, and unlock new opportunities.”
Solomon Ssemuyaba, the assistant general manager at Banana Life Investments, echoed this sentiment: “We are proud to join hands with Talkio Mobile to deliver innovative, customer-centric solutions. This partnership represents our shared vision of fostering a connected future for Uganda. Together, we are redefining what convenience and accessibility mean for our customers.”
The partnership goes beyond retail distribution, introducing joint initiatives aimed at value addition and personalized service. Customers can expect seamless access to:
- SIM Card Sales : Available at all Banana Life Investments locations.
- Talkio phone number bookings : Book your preferred Talkio number at any Banana Life Investments location.
- Airtime Services : Recharge easily through in-store purchases.
- Customer Support : Friendly and knowledgeable staff trained to assist with Talkio Mobile products and services.
Additionally, the two companies plan to launch promotional campaigns and expand services to even more locations, ensuring no Ugandan is left behind in the digital transformation.
Solomon Obwot is a tech writer based in Kampala, Uganda, with extensive experience in the local tech startup ecosystem. He covers the latest news and analysis on consumer tech, writes in-depth smartphone reviews, and conducts insightful interviews with industry experts. Solomon is also a passionate podcaster, sharing his knowledge and engaging in discussions about Africa’s rapidly growing tech landscape. Send emails to [email protected]
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The Mobile World Congress (MWC) Barcelona , the world’s largest exhibition for the mobile industry, has just concluded. This annual event gathers leading technology brands to unveil groundbreaking mobile, AI, and digital solutions innovations. At MWC 2025, TECNO showcased a range of AI-driven products, reinforcing its commitment to cutting-edge technology.
The key launches included:
- CAMON 40 Series – AI-powered smartphones with One-Tap FlashSnap and advanced mobile imaging features.
- MEGABOOK S14 – The world’s lightest 14-inch OLED laptop, featuring AI-enhanced multitasking and Snapdragon® X Elite.
- MEGABOOK T14 Air & K15S – Lightweight ultrabooks with AI capabilities and extended battery life.
- TECNO AI Glasses Series – Smart eyewear integrating AI imaging, translation, and AR display.
Jan Stryjak, Associate Director at Counterpoint Research, shared, “In the past year, we have observed significant advancements in the field of AI. AI will continue to drive transformative changes in our daily lives. In this critical period for the economic development of emerging markets, TECNO’s AI technologies are unlocking potential for diverse needs.”
“The application of AI technologies is crucial and urgent in emerging markets. We’re committed to bridging the digital gap between emerging and mature markets,” said TECNO CMO, Laury Bai. “TECNO is taking a practical approach to make AI more accessible, ensuring users in emerging markets can access AI and cutting-edge technologies.”
Laury Bai, TECNO CMO
Driven by its commitment, TECNO has forged a robust partnership with MediaTek, establishing a joint AI laboratory dedicated to accelerating advancements in AI. At the event, James Chen, Vice President of Product and Technology Marketing at MediaTek, emphasized, “The synergistic R&D efforts between TECNO and MediaTek are set to democratize AI technology. Our collaboration powers a seamless, interconnected AI experience, bringing users a future of truly connected intelligence.”
James Chen, Vice President, Product and Technology Marketing at MediaTek
CAMON 40 Series Powered by AI One-Tap FlashSnap Revolutionizes Smartphone Snapshot Photography
TECNO’s Global Product Launch Officer, Olivier Mas, officially unveiled TECNO’s next-generation AI-driven products. Attendees at TECNO’s launch event witnessed the highly anticipated debut of TECNO’s new CAMON 40 Series, a device that embodies TECNO’s legacy of excellence in mobile imaging. Featuring One-Tap FlashSnap Mode and TECNO AI, the series sets a new benchmark in smartphone photography, delivering exceptional snapshot capabilities and AI-enhanced user experiences.
Olivier Mas, TECNO Global Product Launch Officer
The CAMON 40 Series exemplifies a commitment to innovation that transcends hardware and software, extending into strategic partnerships that deliver cutting-edge AI solutions to emerging markets. Matt Waldbusser, Managing Director of Global Solutions and Consumer AI at Google Cloud, remarked, “Our collaboration with TECNO on the CAMON 40 Series is a standout example. Leveraging Google Cloud’s capabilities, we’ve introduced groundbreaking features such as Ask Ella, AI Image Generator, AI Writing, and AI Translate. I am particularly impressed by the industry-leading and competitive edge of some of these innovations. For instance, TECNO’s AI supports text translation in 136 languages, voice translation in 44 languages, and photo translation in 51 languages. We are excited to further strengthen our partnership with TECNO, unlocking limitless potential to bring advanced yet practical AI capabilities to emerging markets in a convenient and secure manner.”
Matt Waldbusser, Managing Director of Global Solutions and Consumer AI at Google Cloud
The CAMON 40 Series’ innovative One-Tap FlashSnap leverages AI to enhance imaging capabilities, revolutionizing mobile photography. AI optimizes camera startup and continuous shooting for instant captures, while AI-powered multi-frame processing intelligently reduces noise and enhances details, delivering sharper, more refined images. Additionally, the BestMoment algorithm analyzes motion patterns, automatically selecting the optimal frames for precise, high-quality shots in dynamic scenarios, ensuring users an unparalleled mobile imaging experience.
TECNO CAMON 40 Demonstrates the Cutting-Edge FlashSnap Capability
To delve deeper into the imaging prowess of the CAMON 40 Series, TECNO invited Frédéric Guichard, CEO of DXOMARK, to share the image performance of CAMON 40 Pro. Frédéric highlighted, “The CAMON 40 Pro 5G has demonstrated exceptional imaging and performance capabilities in our rigorous evaluations. We’ve been particularly impressed with photo performance being the best for devices under 600$, and the 1st eligible device to our Smart Choice Label.”
Onsite photo of Frédéric Guichard, CEO of DXOMARK
Beyond its advanced rapid-capture functionality, the integration of TECNO AI further enhances the device’s capabilities. Intelligent imaging, a 360° AI Call Assistant, and productivity tools elevate creativity and efficiency. Powered by MediaTek’s latest chipsets, the series ensures smooth performance, fast processing, and extended battery life. With a sleek, durable, and water-resistant design, it seamlessly blends style with practicality for modern users.
MEGABOOK S14, the World’s Lightest 14-inch OLED Laptop, Inspires Creators and Game Lovers
The MEGABOOK S14 is TECNO’s first OLED laptop and the industry’s lightest 14-inch OLED laptop, featuring a 2.8K OLED display and incredibly weighing only 899g (31.7oz). The laptop is equipped with the outstanding power of the Snapdragon® X Elite compute platform, the flagship chipset for AI PCs from Qualcomm Technologies, and integrates TECNO’s world’s first self-developed edge-side large-scale AI model, to achieve AI-enhanced multitasking.
World’s Lightest 14-inch Laptop MEGABOOK S14
Specifically designed for next-gen AI productivity, TECNO AI enhances the Ella AI Assistant, AI-powered PPT generation, AI-driven image search, smart albums, and offline meeting transcription with multilingual support. The External Graphics Dock, equipped with a powerful NVIDIA graphic card, delivers scalable, high-performance capabilities for design, gaming, and content creation. The laptop’s 2.8K OLED display with a 120Hz refresh rate ensures exceptional visuals, while DTS:X Ultra dual 2W speakers, Wi-Fi 6E, fingerprint login, and PC Manager optimize connectivity and user experience.
TECNO’s strategic partnership with Qualcomm Technologies was a highlight of the TECNO AI Ecosystem Product Launch event, demonstrating a shared vision for the future of AI PCs. Kedar Kondap, SVP & GM of Compute and Gaming at Qualcomm, took the stage to discuss the integration of Qualcomm’s cutting-edge PC chipset into the new MEGABOOK S14 laptop, underscoring TECNO’s commitment to delivering high-performance computing solutions.
Kedar Kondap, SVP & GM of Compute and Gaming at Qualcomm
In addition, TECNO also introduced several standout new products. The featherlight 999g (35.2oz) ultrabook MEGABOOK T14 Air, features high-speed storage and LPDDR5 memory, while the ultra-thin, all-metal MEGABOOK K15S, equipped with a powerful 70Wh battery and supported by a 65W PD GaN charger, offers a smarter and more long-lasting user experience. Both devices are empowered by TECNO AI with advanced AI capabilities such as AI Album and AI Voice Assistant, making them perfect companions for all aspects of life.
The Next Game-Changing Tech Innovation: See the World with the TECNO AI Glasses Series
TECNO’s new AI Glasses Series also took center stage with the introduction of TECNO AI Glasses Pro and TECNO AI Glasses, reimagining eyewear with cutting-edge imaging, intelligent interactions, and a sleek aesthetic. The TECNO AI Glasses feature an aviator design, while the Pro model showcases a browline style, both embodying timeless elegance and modern fashion.
TECNO AI Glasses Redefine the Way People See the Future
Equipped with a 50MP high-definition camera, the series integrates an OV50D sensor, a 100° ultra-wide-angle custom lens, and an AI ISP imaging chip, forming a mobile-grade imaging system. This system lets users capture stunning, high-resolution photos with advanced AI noise reduction and HDR capabilities. With real-time translation supporting over 100 languages, TECNO AI’s Ella empowers accurate translation even for less common languages, as well as voice control, AI-powered object recognition, and intelligent information summaries for ultimate convenience.
Additionally, the AI Glasses Pro features a MicroLED display with 7th-gen resin waveguide technology, offering a 30° field of view, over 1,500 nits of brightness AR display, and a lightweight, ultra-thin design. The AR display allows users to effortlessly enjoy features like translation display, navigation, information prompts, and teleprompting.
Equipped with a 250mAh battery, these glasses offer over 11 hours of music playback and 8 hours of mixed use with just 30 minutes of charging. An advanced ultra-linear speaker, bass enhancement, and spatial sound deliver an immersive audio experience, while Wi-Fi 6 and Bluetooth 5.4 ensure seamless connectivity.
With these innovative launches, TECNO is setting new standards in mobile imaging and AI-enhanced technology, shaping a more connected and empowered future for consumers in emerging markets. Once again, TECNO has showcased its cutting-edge innovation on the global stage at MWC. With the brand essence of “Stop at Nothing”, TECNO’s relentless pursuit of innovation is making AI-powered technology more accessible, allowing consumers to experience the future ahead of time.
Solomon Obwot is a tech writer based in Kampala, Uganda, with extensive experience in the local tech startup ecosystem. He covers the latest news and analysis on consumer tech, writes in-depth smartphone reviews, and conducts insightful interviews with industry experts. Solomon is also a passionate podcaster, sharing his knowledge and engaging in discussions about Africa’s rapidly growing tech landscape. Send emails to [email protected]
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