False. Kenya is a world leader in mobile money yet banking increased with introduction of mobile money. Siku hizi sii lazima Mkenya aende Bank. Ukitumiwa doo kwa MPESA unazituma hapo hapo kwa bank account na ukitaka kuzitoa kwa Bank sii lazima uende Bank ama ATM, unazitoa hapo hapo hadi MPESA. MPESA imefanya wengi ambao hawakuwa na Bank account wafungue Bank account. Kitambo walioajiriwa kazi na walio na biashara kubwa pekee ndio walikua na bank account. Siku hizi hata yule jamaa wa kushona viatu ana bank account, ukimtumia pesa kwa MPESA anazituma kwa Bank Account.