According to this page: https://www.safaricom.co.ke/main-mpesa/m-pesa-for-you/tariff...

Fees are high (22-38%) for low amounts, and then they drop into the 1-2% range that is typical of Western credit card networks.

I didn't say that you had to praise it extravagantly, just to be aware of it. To know what the current state of play is. What demonstrably has succeeded, and what untapped niches remain.