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text:
M-Pesa, Africa's leading financial platform, marks 10th anniversary
M-Pesa marks 10 year anniversary in Africa
21 Feb 2017Digital Society
As Vodafone marks the 10th anniversary of M-Pesa, the world's leading mobile money service, it was revealed that a record 614 million M-Pesa transactions were processed during December 2016.
Vodafone now offers M-Pesa services in 10 countries: Albania, the Democratic Republic of Congo, Egypt, Ghana, India, Kenya, Lesotho, Mozambique, Romania and Tanzania. As of the end of December 2016, M-Pesa served almost 29.5 million active customers through a network of more than 287,400 agents. During 2016, the service processed around 6 billion transactions, peaking in December 2016 at 529 transactions every second.
M-Pesa was launched by Vodafone's Kenyan associate, Safaricom, on 6 March 2007. The service is designed to enable customers safely and securely to send, receive and store money via a basic mobile phone and, more recently in some markets, using a smartphone app. Customers visit an M-Pesa agent to top up their M-Pesa account and are then able to use their mobile phone to make purchases in shops and send money to other people who can then visit their nearest M-Pesa agent to withdraw their funds.
M-Pesa also reduces significantly the potential risks of street robbery, burglary and petty corruption within cash-based economies where only a small proportion of the population benefit from access to conventional financial services.
Vodafone Group Managing Director of M-Pesa, Michael Joseph, said: "M-Pesa is a revolution that has empowered tens of millions of people in some of the poorest communities in the world to start and grow businesses and gain greater financial resilience. All of us at Vodafone are very proud of how M-Pesa has enhanced our customers' daily lives and helped them plan for the future with confidence."
Advanced banking services for all
Over the last decade, M-Pesa has evolved far beyond its roots in person-to-person transfers. The service now plays an important role in the broader economies of several countries and is used for a wide variety of essential transactions including the payment of household bills and salaries, the distribution of pension payments and the disbursement of agricultural subsidies and government grants. M-Pesa customers can pay for goods and services both at retail stores and online. Services such as M-Shwari, M-Pawa and KCB M-Pesa provide interest-bearing mobile savings and small micro-loans in partnership with the banks CBA and KCB. M-Tiba allows customers to send, save and spend funds on medical treatment at partner clinics and hospitals.
From 2009 onwards, Vodafone began to add international money transfer capabilities to the M-Pesa service. Customers in Kenya and Tanzania can now transmit and receive funds directly across the border, recognised by the World Bank as the most cost-effective means of doing so. Vodafone has partnered with Homesend, TransferTo, and MFS Africa to expand money transfer and continues to explore potential relationships with other international money transfer services.
Improving quality of life and saving lives
In 2013, the Vodafone Foundation engaged M-Pesa to provide access to essential health services, known as 'Text to Treatment'. In Tanzania, M-Pesa is used to distribute expenses and hospital transport costs enabling around 1,000 mothers a year to benefit from free surgery to correct the debilitating post-natal condition, obstetric fistula. An emergency maternal transport service utilising M-Pesa-funded taxis in northern Tanzania supports life-critical intervention for around 200 women and newborn babies every month. In Lesotho, mobile health clinics using M-Pesa to fund patient transport are bringing primary care and mother and child HIV services to 200 rural villages for the first time.
Andrew Dunnett, Director of the Vodafone Foundation, added: "M-Pesa is a critical component of many of the Vodafone Foundation's core health services, such as the Text to Treatment services we have launched in Lesotho and Tanzania. These services dramatically improve quality of life and in many cases, save lives – particularly in some of the remote and isolated areas that we serve."
According to a recent study conducted by MIT and published in the journal Science, M-Pesa has had a dramatic impact on the overall economy in Kenya – lifting some households above the poverty line and particularly benefiting families headed by women. In one notable example, poverty fell 22% within a kilometre of where six M-Pesa agents opened between 2008 and 2010. In Tanzania, financial exclusion was lowered by 50% as a result of mobile money services (source: Finscope 2013).
The M-Pesa Foundation, established in 2010, is an independent charitable trust investing in projects that improve the social and economic status of Kenyans. Funded by M-Pesa, it has supported a number of large-scale health, environmental, conservation, education and water projects - including the M-Pesa Foundation Academy, a boarding high school serving talented but disadvantaged Kenyan students with demonstrable leadership potential.
Key milestones in the development of M-Pesa include:
M-Pesa launches in Kenya
M-Pesa reaches 1 million active users
M-Pesa launches in Tanzania
M-Pesa partners with Western Union to allow customers to receive money from the UK
M-Pesa reaches 10 million active users
M-Pesa launches in South Africa
Safaricom and Western Union reach global agreement to allow M-Pesa customers to receive international money transfers from 45 countries, including the US, Canada, Italy and the UK.
Lipa Karo allows learning institutions to receive school fees via M-PESA.
M-Pesa launches in Democratic Republic of Congo.
Savings and loans service M-Shwari launches in Kenya, reaching 2.3m subscribers in 4 months.
Vodafone Foundation engages M-Pesa to provide access to essential health services through 'text-to-treatment'
Vodafone and ICICI Bank launch M-Pesa in India where hundreds of millions are unbanked
M-Pesa launches in Mozambique
M-Pesa launches in Lesotho
Vodafone Cash launches in Egypt.
Lipa na M-Pesa launches, allowing consumers to pay merchants and retailers for goods and services using M-Pesa
Vodafone M-Pesa launched in Romania, marking the first time the service is available in Europe.
M-Pawa launches in Tanzania
M-Pesa launches its first international money transfer corridor between Tanzania and Kenya
Vodafone M-Pesa launches in Albania
Vodafone M-Pesa launches in Ghana.
Vodafone establishes a global framework agreement for M-Pesa to deliver interoperability, enabling M-Pesa customers to transact with other services and across borders
The World Food Programme uses M-Pesa to help deliver their food aid programme in Kenyan refugee camps.
M-Pesa reaches 25 million active users.
Safaricom opens M-Tiba health payment platform in Kenya.
Vodafone is one of the world's largest telecommunications companies and provides a range of services including voice, messaging, data and fixed communications. Vodafone has mobile operations in 26 countries, partners with mobile networks in 49 more, and fixed broadband operations in 17 markets. As of 31 December 2016, Vodafone had 470 million mobile customers and 14.3 million fixed broadband customers. For more information, please visit: www.vodafone.com.

redpajama_set_name: RedPajamaCommonCrawl


Harvey V. Higley, who served as head of the Veterans Administration under President Eisenhower, died today at the age of 94.
Eisenhower named Mr. Higley V.A. Administrator in July 1953 and he remained in the post until November 1957, when he resigned.
Mr. Higley was a veteran of World War I and was active in the American Legion before taking the Government post. He had also served as the president and chairman of the board of the Ansul Chemical Company, a manufacturer of fire suppression equipment here.


This subject aims to provide students with essential knowledge and skills relevant to the policy and political environments in which health services operate. It is important for clinicians, health service managers, health service planners and those intending to work in the health service environment to understand the political environment in which decisions are made, how government health policies are formulated and enacted, and how they are received. The subject covers the ideological frameworks underpinning public policy development; the policy formulation process; power differentials in the development and acceptance of health policies; how the health and political systems manage complex and grey issues; facilitators and challenges to policy implementation; and the influence of stakeholders and the media.
Create a variety of ways in which complex issues can be effectively communicated for a variety of target audiences.
This subject is taught using a variety of teaching and learning strategies. The strategies used emphasise active and applied approaches to developing students' ability to understand management in health services and organisations, and apply this knowledge to generate effective, practical solutions to health system challenges. An overarching theme of the approaches to teaching and learning is to support students to actively learn in the classroom (individually and in collaboration with others), where they can interact with each other and the facilitator who can observe, assist and coach them.
Pre-class learning via on-line resources to prepare for active participation in workshops.
Mini lectures and briefings, which include whole class brainstorming sessions.
In-class problem solving, discovery-based and critical thinking activities via cooperative group work (pairs and small groups).
Whole class teaching with examples, illustrations and data.
Time while on campus for students to reflect on, explain and record assessable tasks under continual advice and guidance.
Provides students with the opportunity to analyse the health policy literature, learn the process and language of health policy and the importance and influence of the involvement of various stakeholder groups.
This assessment item focusses on understanding the power of the media in influencing health policy and politics.
Student assignments will be assessed on the basis of how well assignments analyse the media article in terms of the range of approaches used by media, as identified in academic research, to influence an audience. These include, but are not limited to, balance of perspectives and evidence, power, attitude, ideological viewpoint/s and others.
Provides students with the opportunity to investigate a key health policy issue and explore and generate potential solutions. They will also have the opportunity to effectively transmit knowledge and solutions regarding the issue to the facilitator and peers and learn to critique their own solutions as well as those of other students.
Palmer, G. & Short, S. 2014, Health care and public policy: an Australian analysis, 5th edn, Palgrave Macmillan, Melbourne.
Economou, N. and Tanner, S., 2008. Media, power and politics in Australia. Pearson Education Australia.
Daniel Jackson 2012 Healthcare Economics Made Easy. Second Edition. Scion Publishing, Banbury, UK.
Barraclough, S. & Gardner, H. (eds) 2008, Analysing health policy: a problem-oriented approach, Churchill Livingstone Elsevier., Sydney.
Blank, R.H. & Burau, V. 2010, Comparative health policy, 3rd edn, Palgrave Macmillan, London.
Dugdale, P. 2008, Doing health policy in Australia, Allen & Unwin, Crows Nest NSW. Chapters 3, 8 and 10.
Duckett, S and Willcox, S. 2015. The Australian Health Care System. 5th Ed.Oxford University Press, UK.
Lovett-Scott, M and Prather, F. 2012, Global Health Systems, Jones and Bartlett Publishers Sudbury, Canada.
N.B. Academic readings and other relevant resources are provided on UTSOnline throughout the duration of the subject.
The Library has a wide range of resources, facilities and services to support you including textbooks, subject readings, old exam papers, academic writing guides, health literature databases, workshops, a gaming room and bookable group study rooms. There is also a team of librarians to help you with all your questions.


9 out of 10 based on 400 ratings. 4,204 user reviews.
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To me the salient point here is that Pence's spokesman is almost certainly telling the truth here, and the Cantor and Ryan staffers saying otherwise are almost certainly lying. As a simple matter of logic, Thrush's item doesn't really make sense. Look at the problems the majority party has keeping its caucus on message and united on matters of tactics and substance. There's no way John Boehner could possibly force Reps Ryan and Cantor to endorse his joke of a budget if they didn't want to.
Rather, Reps Ryan and Cantor saw that the press was reacting poorly to the Boehner/Pence flim-flam "budget" and decided to throw their colleagues under the bus. And, frankly, I'm not surprised that Ryan and Cantor were surprised. I was surprised, too. I've never really seen political reporters get outraged before about the fact that a policy document makes no sense in the past. It was a curious outbreak of substance among the press corps that I don't think was particularly foreseeable.