Think simple interfaces, transparency, and reliable.

So, how can adopting a learning culture make payment systems easier to use and more reliable?

What if authentication could happen as naturally as checking your phone—using the unique way you type, swipe, or hold your device?

Instead of expecting users to learn an entirely new system, M-Pesa created a service that felt like a natural extension of their daily lives.

This is the tightrope businesses walk every day: How do you protect users without pushing them away?