M-PESA improve is anticipated to ship scalability, resilience and AI-powered innovation that can see platform course of 6,000 transactions per second from the present 4500 Tps.
Transformation positions M-PESA to fulfill the rising calls for of Africa’s digital financial system whereas getting ready for future alternatives.
New-look platform embeds synthetic intelligence to assist in fraud detection, allow self-healing, and energy real-time monitoring.
Tech big Safaricom is about to undertake probably the most vital improve of its cellular monetary providers platform M-PESA, providing the fintech a new-look system that may course of 6,000 transactions per second (Tps), up from the present 4,500 Tps.
The deliberate improve on Monday, twenty second September between 00:30am and 03:30am would be the greatest on the platform since 2015, marking a significant milestone within the service’s 18-year journey of driving monetary inclusion and digital transformation.
“Through the upkeep, all M-PESA providers together with airtime buy shall be briefly unavailable. The timing of this upkeep exercise has been deliberate to lead to minimal inconvenience to our prospects,” the telco said in a discover.
In a market replace on Friday, Safaricom stated the improve will see the agency introduce Fintech 2.0, a next-generation core platform that’s designed to strengthen resilience, develop capability, and unlock superior, AI-driven innovation.
With the facility of Fintech 2.0. Safaricom might be reworking M-PESA to fulfill the rising calls for of Africa’s digital financial system whereas getting ready for future alternatives.
New-look M-PESA platform anticipates tomorrow’s alternatives
“This improve is a daring funding in the way forward for M-PESA and reaffirmation of our dedication to innovation, resilience and buyer belief. By shifting to Fintech 2.0, we’re unlocking a platform that not solely scales to fulfill at present’s calls for but in addition anticipates tomorrow’s alternatives,” stated Dr. Peter Ndegwa, Group CEO, Safaricom.
The brand new M-PESA Core will develop capability from 4,500 to six,000 transactions per second, with the potential to scale as much as 12,000 transactions as demand grows. It is going to additionally introduce an active-active structure throughout a number of internet hosting websites, guaranteeing larger resilience and minimal service interruption.
New-look platform embeds superior synthetic intelligence to strengthen fraud detection, allow self-healing, and energy real-time monitoring. Its cloud-native basis ensures larger efficiency, prompt scalability, and quicker deployment of latest merchandise.
Learn additionally: Recent M-PESA deal to allow remittances circulate to Ethiopia from 40 international locations
What Fintech 2.0 brings in M-PESA system
Microservices: Adopting a microservices structure to stay future-ready, permitting the supply of latest options and providers to prospects with out disrupting the general ecosystem.
Cloud Infrastructure: Transferring to scalable cloud infrastructure to assist development. Whereas the system initially processed 100 transactions per second, it now handles as much as 100 million transactions per day. Fintech 2.0 will enhance present capability from from 4,500 transactions per second (Tsp) to six,000 Tsp.
Synthetic Intelligence: Leveraging AI to offer personalized options for particular person customers, detect and stop fraud earlier than it happens, and improve transaction pace by detecting dips in efficiency.
Ship smarter monetary options
For the final 18 years, M-PESA has grown from a easy cash switch service into Africa’s largest fintech ecosystem, powering funds, financial savings, credit score, insurance coverage, remittances, and e-commerce. The launch of Fintech 2.0 is designed to maintain this development and put together the platform for the long run, enabling Safaricom to ship smarter, quicker and safer monetary options to people and companies alike.
With this migration, M-PESA is laying the inspiration for the subsequent era of innovation. The improve ensures the platform stays strong sufficient to assist Africa’s digital financial system, whereas preserving its core promise, which is to make monetary providers easy, accessible and inclusive for all.
From serving about 17,000 prospects when Safaricom began operations in 2000, the telco has grown, hitting a milestone of over 50 million subscribers in July, 2025, a landmark achievement which the agency attributes to innovation, resilience, and progress. For the final 18 yr’s Safaricom’s M-PESA platform has developed into a set of capabilities, powering rising wants in Africa’s digital monetary ecosystem.
Learn additionally: M-PESA and PayPal strike deal to redefine Kenya’s digital financial system
