Michael Mwangi
Founder & Editor-in-Chief
Michael Mwangi founded paybillke in 2026 after spending most of the previous decade writing about Kenyan financial technology. His work has covered the rise of M-PESA from 2007 onward, the emergence of digital lenders, the regulatory shifts that shaped mobile money, and the stories of the Kenyans who actually use these systems day-to-day. He oversees paybillke editorial direction, writes the cornerstone fees and tariff pieces, and personally signs off on every paybill verification process change.
Areas of expertise
- M-PESA fees and tariffs
- Mobile money policy and CBK regulation
- Comparison and review
- Kenyan fintech history
Articles by Michael (6)
M-PESA tariff 2026 explained: every change from 2025 and why
2025 vs 2026 side-by-side, the role of KRA excise duty, why some paybills are zero-rated, and what to watch for in future tariff reviews.
11 min read
M-PESA withdrawal charges 2026: full agent and ATM fee schedule
Every withdrawal bracket for 2026, ATM vs agent comparison, and five practical ways to cut your cash-out costs.
10 min read
M-PESA charges 2026: complete fee schedule (paybill, send, withdraw, till)
Every M-PESA bracket for 2026 — Send Money, Paybill, Withdraw at Agent, Buy Goods. Free thresholds, KRA excise duty, and what changed from 2025.
13 min read
DStv vs GOtv vs StarTimes: which TV package is best in Kenya (2026)
Honest 2026 comparison of DStv, GOtv, and StarTimes — packages, prices, channels, sports coverage, and which fits your household.
11 min read
M-Pesa vs Airtel Money vs T-Kash: 2026 comparison
Honest comparison of fees, coverage, paybill interoperability, and which to use when.
10 min read
The complete history of M-Pesa (2007 — 2026)
How a 2007 Vodafone-Safaricom experiment changed African finance forever, and where M-Pesa goes next.
12 min read
More from the team
Other paybillke writers and what they cover.