“Safaricom and KCB Bank Kenya launched Fuliza Ya Biashara, allowing businesses on Lipa Na M-PESA Business Till to access overdrass of up to KES 400,000 for 24 hours. This service aims to empower small businesses with instant credit for their operational needs. Over 538,000 businesses stand to benefit from this service, which addresses the gap in access to affordable credit faced by small and micro businesses due to their size and perceived risk.”

How can M-Pesa support the growth and development of small and medium enterprises (SMEs) in Kenya?

 What two sources of data, not used in traditional financial transactions, could M-Pesa use to assess the creditworthiness of SMEs in Kenya, for the purpose of informing decisions whether to provide overdraft facilities to SMEs?