FYI all major firms in kenya, banks, industries etc have complex servers and they are located and maintained here. We have had engineers who can do such work from early 80s. The days of mainframe computers.

no wonder I scored poorly in English, I meant;
can no one in kenya maintain servers ?

Guys, I think you're getting your nickers in a twist by not appreciating one thing: Mpesa does not belong to Safcom! (This explains how the servers came to be located in Germany). It is wholly owned by Vodafone and in fact Safcom pays dearly for the right to use it. When Mpesa was developed, Vodafone wanted to roll it out in Europe first but the anti-money laundering laws in Europe could not allow them. That's how Kenya got it thru Safcom (thru the parent company) although at the time they did not fully appreciate what a powerful tool it would end up to be.

Wrong.

MPesa was designed and developed by Sagentia UK on behalf of VODAFONE UK with no input from SAFCON. The only thing SAFCON did was implement the system after SAFCON was forced into it (MJ was initially against MPesa as he reportedly stated that SAFCON was a telecommunication company and not a bank). The full intellectual rights for Mpesa do not belong to SAFCON, who have to pay a quarterly license fee to Vodafone UK.

You can read the correct history here.

Ditto! Huyu @amga should know history.