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Enhancing growth and productivity through mobile money financial technology services: The case of M-Pesa in Kenya. International Journal of Economics and Finance, 15(12), Article 91. https://doi.org/10.5539/ijef.v15n12p91 Keywords: Mobile money, M-Pesa, financial inclusion, economic growth, developing countries, digital payments, mobile technology ROSCA (Rotating Savings and Credit Association) is a group-based financial system where members contribute a fixed amount of money into a common pool at regular intervals (weekly or monthly). Each time, the entire collected sum is given to one member of the group in rotation, until all members have received their turn.
