M-Pesa works like a bank: subscribers store money in their mobile phones and withdraw it from a Safaricom shop or the company's agents by providing photo identification and a designated number.
M-Pesa inafanya kazi kama benki; watumiaji wa huduma hiyo huhifadhi fedha kwenye simu zao na kutoa fedha kupitia wakala au duka la Safaricom kwa kuonyesha kitambulisho na namba ya simu.