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About paybillke

Our team

paybillke is written and edited by a small team of Kenyan financial journalists. Each writer covers a beat they know personally — banking, telecom, diaspora remittance, or editorial direction. Every paybill we publish is verified by the writer who covers the relevant sector.

MM

Founder & Editor-in-Chief

Founder of paybillke. Previously covered Kenyan fintech for a decade. Writes the editorial flagship pieces — fees, tariffs, comparisons, and product reviews.

Areas of expertise

  • M-PESA fees and tariffs
  • Mobile money policy and CBK regulation
  • Comparison and review
  • Kenyan fintech history
Read Michael's articles
AO

Senior Writer — Banking, SACCOs & Lending

Banking and lending writer covering Kenyan banks, SACCOs, microfinance, asset finance, and digital lenders. Background in financial analysis.

Areas of expertise

  • Kenyan banks and bank-to-M-PESA flows
  • SACCOs (Deposit-Taking and Non-DT)
  • Microfinance banks and group lending
  • Asset finance (boda boda, motor, equipment)
  • Digital lenders and CRB dynamics
Read Arnold's articles
DW

Writer — Telecom, M-PESA Mechanics & Government Paybills

Covers M-PESA app mechanics, Safaricom products, telecom paybills, and government services. Has worked on M-PESA-adjacent products since 2014.

Areas of expertise

  • M-PESA app and USSD mechanics
  • Paybill operations and scam patterns
  • Government services (KRA, eCitizen, SHA, NSSF)
  • Telecom and pay-TV paybills
  • Lipa na M-PESA Buy Goods, Pochi, and Bulk Payment
Read David's articles
JN

Writer — Diaspora, Remittance & Online Earnings

Writes for Kenyans abroad and at home navigating cross-border money. Lived in the UK for six years; covers remittance corridors, PayPal-to-M-PESA, M-PESA Global, and online earnings.

Areas of expertise

  • Diaspora remittance corridors (UK, US, UAE, AU, CA, etc.)
  • PayPal-to-M-PESA
  • M-PESA Global
  • International online jobs and freelance platforms
  • Currency exchange and cost-comparison
Read Josephine's articles

How we work

paybillke isn't a content farm. Every guide is researched and written by a named author with relevant expertise. Every paybill is verified against the merchant's official channel before publication, and re-verified quarterly. When a paybill changes, we update the page and note the date of the update visibly.

Read more about our editorial process and verification standards — how we source paybills, how we handle corrections, and what we will and won't publish.