Safaricom's Fuliza: The lending value & revenue trends

Fuliza is a continuous overdraft service that allows customers to complete their M-PESA transactions even when they do not have enough funds in their M-PESA account.

Fuliza is available to all M-PESA customers.

However, the awarding of limits will depend on the customer’s credit scoring and how long they have been using M-PESA.

Customers who ‘opt-in’ on Fuliza are charged a one-off acc