Earlier this week Zain, Kenya’s second largest mobile network operator, finally launched its Zap mobile money transfer services after protracted delays in securing operating rights from the Central Bank of Kenya. Zap, which has been launched as the second mobile money transfer service in Kenya after Safaricom’s wildly successful M-Pesa

Over the last few weeks, there has been lots of media coverage concerning Safaricom’s wildly popular M-Pesa service. M-Pesa is a mobile money transfer service that enables Safaricom subscribers to send and receive money to anyone of the mobile network. M-Pesa has been operational for just under two years and