Which of the following best describes the difference between M-PESA and mobile banking services, like WIZZIT? M-PESA requires physical banks, while WIZZIT does not. M-PESA required individuals to have banking accounts, mobile phones, *and* landline telecommunications service, while WIZZIT required only one of those three. There are no significant differences between M-PESA and mobile banking services, like WIZZIT? M-PESA does not take deposits like a bank, but only helps money get transferred across accounts and individuals. M-PESA operated only in South Africa, while WIZZIT operated primarily in Kenya