‘Upliftment’, friends and finance: Everyday exchange repertories and mobile money transfer in Kenya

Susan Johnson, Froukje Krijtenburg

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The rapid and massive adoption of mobile money transfer (MMT) services in East Africa, particularly in Kenya, stands in stark contrast to historically low use of formal financial systems on the continent. Its ‘fertile grounds’ therefore require in depth analysis to understand the implications for African financial systems. This paper argues for the need to examine the underlying conceptual environment that enables low income and poor people’s MMT adoption. It innovatively combines anthropological with ethnolinguistic analytical approaches to distinguish two repertoires around resource exchange. First, is a relational financial repertoire where relationships are developed and consolidated to create support and ‘upliftment’. A contrasting resource-focussed repertoire is more alike that of the formal financial sector. Identifying the conceptual features of relationality, the study offers a new perspective on the adoption and use of MMT in Africa and highlights the potential for disjunctures with policy efforts to increase financial inclusion.
Original languageEnglish
Pages (from-to)569-594
Number of pages26
JournalThe Journal of Modern African Studies
Issue number4
Early online date26 Nov 2018
Publication statusPublished - 31 Dec 2018


  • mobile money
  • Africa
  • exchange networks
  • gifts
  • Financial Inclusion

ASJC Scopus subject areas

  • Social Sciences(all)


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