The Safaricom My OneApp introduces a redesigned AI-powered platform that merges M-PESA and MySafaricom into one intelligent ecosystem. Furthermore, this strategic launch marks a major step in Safaricom’s transition to FinTech 2.0. Consequently, over 6.5 million active users now access financial services, telecom features, and lifestyle tools through a unified interface. Specifically, the app currently operates on Android devices and debuted during the Decode summit in Nairobi. Moreover, executives positioned this release as foundational infrastructure rather than simple product consolidation.
Additionally, the Safaricom My OneApp enables customers to view M-PESA balances, GSM balances, bills, bundles, and financial services in one place. Similarly, users benefit from AI-driven personalisation that adapts based on transaction frequency, preferred contacts, and recurring payments. In fact, frequently accessed features such as investments, lending, or bill payments automatically surface on the home screen. Thus, the platform becomes more intuitive with continued use. Furthermore, users can customise quick actions, automate payments, edit favourite services, and access tailored bundles from a single dashboard.
Moreover, the Safaricom My OneApp integrates biometric authentication, fraud reporting, PIN recovery, and network diagnostics without requiring USSD or contact centre support. Consequently, customer experience improves through streamlined self-service capabilities. Additionally, the app embeds Safaricom’s expanding financial services suite directly into the user journey. Specifically, users can invest in money market funds through Ziidi, trade shares via CD Trader, access Fuliza credit, separate business income using Pochi la Biashara, and purchase insurance products. Therefore, financial management becomes more accessible and efficient for everyday consumers.
Similarly, behind the interface lies a major infrastructure overhaul. Safaricom reports its upgraded architecture now supports up to 6,000 transactions per second, a significant increase from roughly 100 transactions per second in earlier years. Furthermore, the company transitioned its financial core to a multi-tenant, AI-first platform under FinTech 2.0. Consequently, this enables enhanced scale, resilience, and intelligent service delivery. Moreover, the Safaricom My OneApp frames itself as more than a payments tool by incorporating entertainment services, gaming, news access, and third-party mini-app integrations.
Thus, executives describe the platform as a comprehensive digital lifestyle ecosystem. Additionally, with more than 66,000 integrations through the Daraja API platform, the Super App strengthens connections between developers, businesses, and consumers. Similarly, Safaricom leadership emphasises that Kenya’s digital economy growth depends on builders leveraging these platforms. Therefore, the company focuses on providing foundational infrastructure while enabling innovation from external partners. Furthermore, this approach fosters collaboration that solves real-world problems and enhances lifestyle experiences for users.
Moreover, Kenya’s financial inclusion rate has grown from 23 percent at M-PESA’s launch nearly two decades ago to 84 percent today. Consequently, with access largely achieved, Safaricom shifts focus toward financial health, wealth creation, and resilience. Specifically, the Safaricom My OneApp supports this evolution by offering smarter and more inclusive digital rails. Thus, the platform moves beyond moving money to transforming lives through intelligent financial tools. Additionally, personalised recommendations help users make informed decisions about savings, investments, and credit management.
Furthermore, the AI-powered design learns user behaviour over time to deliver increasingly relevant experiences. Similarly, this adaptive functionality distinguishes the Safaricom My OneApp from conventional mobile applications. Consequently, customers enjoy reduced friction when accessing frequently used services. Moreover, the app’s ability to anticipate needs enhances overall satisfaction and engagement. Therefore, user retention and daily active usage stand to improve significantly. Additionally, the platform’s scalability ensures reliable performance during peak transaction periods.
Nevertheless, success depends on maintaining robust security, data privacy, and regulatory compliance. However, Safaricom’s investment in upgraded infrastructure and AI-first architecture positions the company well for future demands. Similarly, continuous innovation in personalisation and service integration will drive long-term adoption. Furthermore, partnerships with financial institutions, developers, and content providers expand the ecosystem’s value proposition. Consequently, the Safaricom My OneApp represents a pivotal step in Kenya’s digital transformation journey.
Ultimately, this launch signals Safaricom’s evolution beyond telecommunications toward becoming a technology company building intelligent digital infrastructure. Therefore, the Safaricom My OneApp serves as both a financial hub and a lifestyle platform for millions of Kenyan users. Additionally, the focus on AI-driven personalisation, seamless integration, and scalable architecture ensures readiness for emerging opportunities. Thus, as demand for intelligent, accessible digital experiences grows, this unified ecosystem positions Safaricom at the forefront of Africa’s FinTech evolution. Ultimately, strategic vision combined with execution excellence drives sustainable growth in digital services. Therefore, the Safaricom My OneApp exemplifies how unified infrastructure, intelligent design, and user-centric features create meaningful value for consumers and businesses alike. Consequently, Kenya’s next digital chapter will likely be defined by such AI-powered financial ecosystems built on robust, unified foundations.
