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Innovators in payment make big claims for how their new applications and services will profoundly change money. But few of their services have taken off. One that has, and that has had a huge impact on how “money disruptors” imagine they can remake the future of money, is M-Pesa. M-Pesa is a mobile money service that allows everyday Kenyans to send small amounts of money to one another via their mobile phones. Mobile money services like M-Pesa inspire dreams of digital payments as well as positive social and economic benefits of going cashless. This chapter situates the book in light of developers’ dreams for M-Pesa, and the variegated landscape of payment innovation today.

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