During the recently concluded Kenya Teachers SACCO Association (KETSA) Annual Leaders Conference, M-Kanja took center stage as a symbol of innovation, unity, and digital transformation in the SACCO sector. Delivered by Mr. Justine Mwebi, the M-Kanja presentation introduced SACCO leaders to a next-generation solution aimed at modernizing member services and improving operational efficiency across Kenya’s cooperative landscape.

What is M-Kanja?

M-Kanja is a digital financial switch operated by Simplified Payment Services Limited (SPSL), a subsidiary company of Kenya Teachers SACCO Association (KETSA) which is a corporation organized and existing under the laws of Kenya with its head office located at 4^th Floor, Police Sacco Building, Ngara Nairobi. It enables real-time and seamless financial transactions between SACCO members, institutions, banks, and businesses. The platform ensures that SACCOs remain competitive and relevant by simplifying fund transfers without the need for third-party intermediaries.

Why M-Kanja Matters to SACCOs

1. SACCO-to-SACCO Transfers in Real Time

Members can now send money instantly to other SACCO members across the country—making SACCOs interoperable like never before.

1. SACCO-to-Bank and Bank-to-SACCO Transfers

Members can move funds directly from their FOSA accounts to banks and vice versa, creating flexibility and expanding financial reach.

1. Reduced Transaction Costs & Enhanced Efficiency

M-Kanja lowers operating costs for SACCOs by eliminating manual reconciliations and legacy systems.

1. Member-Centered Convenience

With USSD and mobile app access, M-Kanja empowers SACCO members with digital convenience right at their fingertips.

1. Revenue Share

M-Kanja’s revenue-sharing model also ensures sustainability for SACCOs and value for shareholders.

As Mr. Mwebi emphasized during the conference, M-Kanja is more than a technical solution—it is a movement. By joining, SACCOs not only access better services but also play a key role in shaping Kenya’s cooperative digital economy.

Together, we can redefine the SACCO experience—enhancing inclusion, trust, and service delivery across the board.

Let’s Build the Future Together

M-Kanja is committed to collaboration, ownership, and co-creation. SACCOs are encouraged to join the platform, take part in the pilot, and contribute to this transformative journey.