{"id":229740,"date":"2025-09-29T13:48:07","date_gmt":"2025-09-29T10:48:07","guid":{"rendered":"https:\/\/www.ghafla.co.ke\/ke\/?p=229740"},"modified":"2025-09-29T13:48:07","modified_gmt":"2025-09-29T10:48:07","slug":"cbk-set-to-reduce-m-pesa-transaction-costs-by-half","status":"publish","type":"post","link":"https:\/\/www.ghafla.co.ke\/ke\/cbk-set-to-reduce-m-pesa-transaction-costs-by-half\/","title":{"rendered":"CBK Set To Reduce M-Pesa Transaction Costs By Half"},"content":{"rendered":"<p><span class=\"citation-39\">The <\/span><span class=\"citation-39\">Central Bank of Kenya (CBK)<\/span><span class=\"citation-39\"> has outlined an ambitious strategy to drastically reduce the <\/span><span class=\"citation-39\">average cost of mobile money transactions<\/span><span class=\"citation-39 citation-end-39\"> in the coming years, aiming to cut fees by more than half.<\/span> <span class=\"citation-38 citation-end-38\">This push is part of a broader regulatory effort to spur the next wave of financial inclusion, moving beyond basic money transfers and addressing concerns that current high costs are stifling innovation.<\/span><\/p>\n<p><span class=\"citation-37\">While the phrase &#8220;reduce M-Pesa transactions by half&#8221; might suggest a cut in transaction volumes, the regulator&#8217;s focus is squarely on <\/span><span class=\"citation-37\">cost reduction<\/span><span class=\"citation-37 citation-end-37\">, with the goal of making digital finance more affordable for all Kenyans.<\/span><\/p>\n<h3>Strategy to Reduce Average Transaction Fee to Ksh 10<\/h3>\n<p><span class=\"citation-36 citation-end-36\">Under its 2025\u20132028 National Financial Inclusion Strategy, the CBK is targeting a significant drop in the average cost of Person-to-Person (P2P) transfers.<\/span><\/p>\n<ul>\n<li><b><span class=\"citation-35\">Current Average Cost:<\/span><\/b><span class=\"citation-35\"> Approximately <\/span><b><span class=\"citation-35\">Ksh 23<\/span><\/b><span class=\"citation-35 citation-end-35\"> per transaction (in 2024).<\/span><\/li>\n<li><b>CBK&#8217;s Target:<\/b><span class=\"citation-34\"> To reduce the average cost to <\/span><b><span class=\"citation-34\">Ksh 10<\/span><\/b><span class=\"citation-34 citation-end-34\"> by 2028.<\/span><\/li>\n<\/ul>\n<p><span class=\"citation-33\">The regulator argues that despite Kenya&#8217;s mobile money system processing massive volumes\u2014an estimated <\/span><span class=\"citation-33\">Ksh 21 billion daily<\/span><span class=\"citation-33\"> in 2024\u2014the growth in new user adoption and the uptake of advanced financial services like digital credit, insurance, and savings has begun to <\/span><span class=\"citation-33\">plateau<\/span><span class=\"citation-33 citation-end-33\">.<\/span><\/p>\n<p><span class=\"citation-32\">The high fees charged by mobile money operators, primarily <\/span><span class=\"citation-32\">M-Pesa<\/span><span class=\"citation-32\"> and <\/span><span class=\"citation-32\">Airtel Money<\/span><span class=\"citation-32 citation-end-32\">, are cited by the CBK as a major barrier preventing millions of low-income users from fully participating in the digital economy.<\/span> <span class=\"citation-31 citation-end-31\">The CBK believes that making costs proportional to the low value of many &#8216;public good&#8217; related payments is crucial for sustained growth.<\/span><\/p>\n<h3>Addressing Market Dominance and Interoperability<\/h3>\n<p><span class=\"citation-30 citation-end-30\">This regulatory push comes amidst long-standing concerns regarding the dominance of Safaricom&#8217;s M-Pesa, which accounts for nearly half of the telco&#8217;s service revenue.<br \/>\nThe ultimate outcome of the CBK&#8217;s plan will require legislative support to be enacted, setting the stage for a major regulatory battle between the government&#8217;s push for consumer affordability and the commercial interests of the telecommunication giants.<br \/>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Central Bank of Kenya (CBK) has outlined an ambitious strategy to drastically reduce the average cost of mobile money transactions in the coming years, aiming to cut fees by more than half. This push is part of a broader regulatory effort to spur the next wave of financial inclusion, moving beyond basic money transfers [&hellip;]<\/p>\n","protected":false},"author":6073,"featured_media":229741,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[310],"tags":[140139,123169],"class_list":["post-229740","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-entertainment","tag-cbk-news","tag-mpesa-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>CBK Set To Reduce M-Pesa Transaction Costs By Half - Ghafla! 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