M-pesa ( M for mobile, pesa is swahili for money) is a mobile-phone based money transfer and micro financing service for safaricom and vodacom, the largest mobile network operators in Kenya and Tanzania.Currently the most developed mobile payment system in the world, M-Pea allows users with national identification or passport to deposit, withdraw and transfer money easily with a mobile device.Many lives has been in Kenya by the innovation of M-Pesa as monetary transaction can be done by the click of a button.This book will be useful to anyone who would like to know how customers perceive the use of Mobile phone money transfer.