In Kenya M-Pesa is a way of life. Locals use M-Pesa to pay for goods, pay utility bills, invest in government bonds, pay insurance premiums, deposit and withdraw money from their bank accounts, access short term loans, renew business licenses, pay taxes and even place sports bets. I…

Kenya is fifth, among countries with the largest Bitcoin holdings per capita in the World. This is according to a recent survey by Citibank. The value of Bitcoins held by Kenyans account for 2.3% of Gross Domestic Product (GDP) which translates to Kshs 163 billion worth of Bitcoins.…