M-Pesa is a mobile money transfer and payment service launched in Kenya in 2007. It allows users to send and receive money, pay bills, and make purchases using their mobile phones. The service is particularly beneficial in areas with limited access to traditional banking services, enabling financial inclusion for many people. Users can deposit cash at authorized agents, transfer money to other users, or withdraw cash from their accounts. M-Pesa has expanded to several countries in Africa and beyond, becoming a model for mobile financial services worldwide. Its success has significantly impacted the way people conduct financial transactions.