Keyword is mostly. According to Google, M-Pesa is in 7 African countries - Kenya, Tanzania, Lesotho, Democratic Republic of the Congo, Ghana, Mozambique & Egypt

Keyword is mostly. According to Google, M-Pesa is in 7 African countries - Kenya, Tanzania, Lesotho, Democratic Republic of the Congo, Ghana, Mozambique & Egypt. I don't know about the other countries but I lived in Ghana for about 5 years and I can assure you M-PESA's a shadow there. Vodafone and MTN are the kings of Mobile money in Ghana. But even in Ghana, cash is still the undisputed champion. The growth of mobile money there has slowed down dramatically because of registration requirements and operator fees.