This thesis will examine the adoption, usage and outcomes of a mobile money service called MPESA.
Since being launched in 2007, the service has seen phenomenal growth in Kenya. Over
7.5 million users, or 34% of the adult population, have registered with M-PESA. Such growth is
impressive as it has surpassed other ICTs in the country. This includes the mobile phone, which
has been hailed as the fastest growing ICT in Africa. It has also surpassed the growth of mobile
money in the North, where many services have been discontinued because they failed to attract a
sufficient number of customers. M-PESA thus provides an interesting case of an ICT growing
rapidly in the South, and “failing” in the North. In this context, the first part of the thesis
examines why such rapid growth occurred.
This analysis is presented from two perspectives. First, the socio-technical systems framework is
used to present M-PESA as a complex system rather than an isolated application. This
perspective makes clear that M-PESA grew rapidly because it had a dedicated team of system
builders. These individuals took numerous strategies to enroll the elements and maintain the
stability of the entire system. They further worked to engineer the social, economic, legal and
political environments of the technology.
Growth is also explained from the perspective of the user. The thesis makes clear that M-PESA
was widely adopted because it fit into existing social practices and systems of logic. In other
words, it helped users to do what they were doing before the technology was introduced. This
includes money transfers back home. It also includes savings. The thesis further reveals that
financial practices began to change as M-PESA became integrated into daily life. For example,
users began to send money home more often. They also increased the number of their savings
transactions. Such changing practices engendered a variety of consequences to daily life. This
includes rising household incomes in the rural areas. It also includes new struggles over limited
resources. The impacts, or wider-scale implications of usage, are also discussed. The analysis
shows that a whole industry for mobile money developed as a result of M-PESA’s success.
The thesis makes a contribution to knowledge in several ways. It presents a case of domestication
in the South and highlights the unique factors that shape this process, from wide-scale political
violence to structures of debt and obligation. It further makes the relationship between
technologies and impact more clear. It shows that the technology itself does not engender the
outcomes. It does, however, have a role in shaping the practices that do