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source: www.pexels.com Mobile banking has picked up it pace in Africa and this has caught the attention of many international bodies. The use of mobile phones has enabled small income households to be able to bank easily. This is what has brought so much attention on mobile banking in Africa. Banks have tried for years and years to tap into small income households and small scale businesses because this is where the numbers are. Kenya is the leading country in mobile banking Africa. Many studies have been conducted to establish the success of M-pesa so that other countries can mimic the same. Time has proven that mobile banking is a thing for African countries only. Its success cannot be attributed to good business ideas only. Success is a result of integrating the African culture and challenges into the mobile banking services. This is the main reason why the banking topography in Africa may change sooner than in developing countries.  Why mobile banking works i...