Hezron Cheruiyot

Chumz is a Kenyan-built savings app that helps users to save money intentionally,even if you earn irregularly or in small amounts,a common occurrence for the regular Kenyan.Built by Moneto Ventures Ltd in partnership with Nabo Capital and regulated by the Central Bank Of Kenya (CBK),Chumz is designed for the everyday Kenyan smartphone owner who wants to save from the comfort of their fingertips without the complexity of traditional banking.

Unlike Banks or SACCOs,Chumz is mobile-first,behavior-driven,and built for flexibility.You can:

• Set personal and group savings goals.
• Automate savings based on behavior(e.g. round trips,daily prompts)
• Lock savings for access to higher interest rates
• Withdraw to M-PESA whenever you need to

Chumz mobile app is available on Android and iOS,and works entirely through mobile money,meaning no paperwork,no queues and no minimum balances to worry about,just you and your saving targets.

In 2025,Safaricom launched its most ambitious upgrade to M-PESA since the service began in 2007.Dubbed "Fintech 2.0",this is more than just a technical refresh or overhaul,it is a strategic leap designed to future proof Kenya's most trusted mobile money platform.

At a glance,the upgrade introduces:

• A new cloud-native architecture
• AI powered fraud detection and self-healing system
• Increased transaction capacity from 4,500 to 6,000 per second,scalable up to 12000
• Faster deployments for savings,lending,insurance,and merchant tools
• Enhanced support for developers and third-party fintech integration

For millions of Kenyans,this simply means faster,safer,and more flexible mobile money.This works for both regular users and technical builders who rely on M-PESA services.

For years Kenyans,especially freelancers,digital creators and online gig workers have relied on PayPal to get paid by international clients,due to this there have been some efforts by Safaricom to enable Kenyans to withdraw money directly from their PayPal accounts to their local M-PESA accounts,but let's be honest the process has not always been easy or smooth.Long wait times,clunky interfaces and the need to juggle between different apps has made this process frustrating.

Now, with the PayPal Mini App experience,things are changing.This new feature integrates PayPal directly into the M-PESA Super App,creating a seamless bridge between global payments and local financial access.For Kenyans that rely on both of this digital platforms,this definitely is a welcomed improvement and upgrade.Let us walkthrough the new Mini App experience and explore what is in store for us.

For years,Kenyans have struggled to pay for various international services like NetFlix,AliExpress,or Canva.Traditional bank cards were not only expensive but also hard to access.But now,Safaricom M-PESA's GlobalPay Virtual Visa Cards has changed the game,allowing anyone with an M-PESA Account to shop and access services globally.

This guide simply breaks down how M-PESA GlobalPay works,how to activate it,where to use it,and how it compares to other virtual cards.

Whether you're applying for a personal loan,tracking your spending,or just trying to stay financially woke and discipline,understanding your M-PESA statements is not only necessary but a game-changer.Many Kenyans do not realize how powerful this statements are,they aren't just receipts but a your financial story.

In this article we're going to breakdown the two types of M-PESA statements Mini Statements and Full Statements.We'll cover their differences,how to request each and why they matter for your hustle,your savings and your financial future.

M-PESA has been part of Kenyan life for over 15 years now,from sending money to paying bills.It's part of the Kenyan lifestyle and not just a mobile wallet.Traditionally Kenyans have always accessed M-PESA services using the sim toolkit (STK),a simple submenu that is accessible using a mobile phone,whether smart or not.However,with the rapid developments and improvements in technology,coupled with the surge in popularity of mobile smartphones,Safaricom has introduced a new way of accessing and using M-PESA in a modern and more convenient way.The Safarcom M-PESA Super App available for both android and iOS devices.

In 2021,the M-PESA app or as branded by Safaricom, M-PESA Super App for smartphones was introduced to the Kenyan market through their respective mobile app stores,Google Play Store and Apple's App Store.

The M-PESA app does everything that could be done traditionally using its STK variant and more,but in a modern and sleek approach for smartphones.With over 10 million downloads on the Google PlayStore alone and favorable reviews,its popularity is not accidental,it stems from its ease of use and the wide array of features it offers.One feature that stands out is the introduction of M-PESA Mini Apps,a ground breaking feature that we'll explore in this article.

As of 2025,mobile banking has surged in popularity even surpassing traditional banking in Kenya.In essence it has become the go-to method for Kenyans to manage their finances,so much that it now feels instinctive and embedded in everyday life.

With M-PESA, NCBA Loop and other digital wallet based services dominating our daily transactions,from paying bills to buying airtime,the shift to digital finance is no longer a trend,it's a lifestyle.And when it comes to online payments and shopping,one tool often stands out:The Virtual Card

But what exactly is a Virtual Card? How does it work? How can you get one and use it safely for online payments? This guide breaks it all down.