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Vodafone, in partnership with Safaricom, the leading Kenyan mobile operator, launches a service that allows registered users to transfer money from their mobile phones to other mobile phone users. With 11 million registered users after just three years (50% of Kenya’s adult population),Vodafone is now rolling out M-PESA in Tanzania, Afghanistan, South Africa and Fiji. The case explores both the internal and external factors that underpinned the success story.