Others said they were using M-Pesa to avoid being robbed on the road, depositing money before a journey and withdrawing it on arrival. Businesses were depositing money overnight rather than keeping it in a safe. People were paying each other for services. And workers in the city were using M-Pesa to send money to relatives back home in the village. It was safer than the previous option, entrusting the bus driver with cash in an envelope.
