Safaricom PLC has confirmed the complete restoration of its M-PESA services nationwide following a scheduled system upgrade. The upgrade, conducted on Sunday, September 21, 2025, transitioned the mobile money platform to Fintech 2.0, the company’s next-generation core system.
In a statement, Safaricom emphasized that all M-PESA functionalities are now fully operational, ensuring a seamless experience for its millions of users. CEO Peter Ndegwa reassured customers that the upgrade aims to enhance efficiency, security, and overall service reliability.
Impact on Users
The update brings relief to the more than 30 million active M-PESA users across Kenya, who rely on the platform for daily transactions, including utility payments, purchases, and business operations.
Periodic upgrades like this are essential for Safaricom to accommodate growing transaction volumes and adapt to evolving customer behavior, ensuring the platform remains secure, resilient, and feature-rich.
What the Upgrade Means
The new Fintech 2.0 platform introduces several advanced features:
- Enhanced AI Integration: Artificial intelligence will provide personalized user experiences and improved fraud detection.
- Increased System Capacity: The cloud-native architecture now supports over 10,000 transactions per second, doubling the previous 5,000 TPS limit.
- Greater Reliability: Service availability is projected at 99%, reducing downtime and ensuring smoother operations.
- Seamless Updates: System upgrades now use gray release techniques, preventing widespread disruptions during maintenance.
- Cloud-Based Architecture: Auto-scaling and high-performance infrastructure ensure M-PESA can handle increased demand efficiently.
Looking Ahead
With this upgrade, Safaricom positions M-PESA to remain Kenya’s leading mobile money platform, capable of supporting next-level digital financial services. Users can expect faster transactions, better security, and AI-powered innovations that enhance convenience and accessibility.
Safaricom continues to focus on innovation, reliability, and customer experience, reaffirming its commitment to the millions of Kenyans who depend on M-PESA daily.
