Safaricom is good at sales and marketing in East Africa, not at innovation from inside of the company. They do use some clever partners though at times, and the

Safaricom is good at sales and marketing in East Africa, not at innovation from inside of the company. They do use some clever partners though at times, and the combination can be pretty good. They've obviously taken M-pesa and grown it into a mature product - listening to their clients, but primarily from a sales channel.