Elizabeth Camilla, a M-Pesa agent, arranges a customer's transaction at a M-Pesa kiosk in South B, a residential area of the city. M-Pesa, (M for mobile, pesa is Swahili for money), is a Kenyan cellphone-based money transfer service. The majority of its customers have no bank accounts, but they withdraw cash and make payments or send money using their cell phones. A network of appointed agents, scattered all over the country, provide the cashing handling services.