Safaricom Revolutionizes M-Pesa with Fintech 2.0 Upgrade

By Brumo Aero

Family Media

Staff Writer & Journalist

19th, Sept,2025

6.40 Pm

Safaricom Plc has announced a major upgrade to its M-Pesa platform, marking a significant milestone in the service's 18-year journey of driving financial inclusion and digital transformation in Kenya. 

Speaking during the event ,Mr Felix Rop Head of Financial Services Technology joined by by Agnes Magero Head of Enterprise Risk and Esther Waititu Chief Financial Officer emphasize and made the remarks of this mile stone upgrade introduces Fintech 2.0, a next-generation core platform designed to strengthen resilience, expand capacity, and unlock advanced AI-driven innovation.

What to Expect from Fintech 2.0

Increased Capacity The new M-Pesa Core will expand capacity from 4,500 to 6,000 transactions per second, with the potential to scale up to 12,000 transactions as demand grows.

- Enhanced Resilience An active-active architecture across multiple hosting sites will guarantee higher resilience and minimal service interruption.

- Advanced AI Capabilities The platform will embed advanced artificial intelligence to strengthen fraud detection, enable self-healing, and power real-time monitoring.

- Cloud-Native Foundation, The platform's cloud-native foundation ensures higher performance, instant scalability, and faster deployment of new products.

Impact on Customers and the Digital Economy

The Fintech 2.0 upgrade positions M-Pesa to meet the growing demands of Africa's digital economy while preparing for future opportunities. With this migration, M-Pesa is laying the foundation for the next generation of innovation, enabling Safaricom to deliver smarter, faster, and more secure financial solutions to individuals and businesses alike.

Safaricom's Commitment to Innovation

"Safaricom's commitment to innovation and customer trust is reaffirmed with this upgrade," said Dr. Peter Ndegwa, Group CEO, Safaricom. "By moving to Fintech 2.0, we are unlocking a platform that not only scales to meet today's demands but also anticipates tomorrow's opportunities."

M-Pesa's Impact on Financial Inclusion

M-Pesa has grown from a simple money transfer service into Africa's largest fintech ecosystem, powering payments, savings, credit, insurance, remittances, and e-commerce. The launch of Fintech 2.0 is designed to sustain this growth and prepare the platform for the future, driving financial inclusion and digital transformation in Kenya and beyond.¹