Mpesa — Sim Toolkit __link__

The SIM Toolkit is a set of applications stored on your SIM card, not on your phone’s memory. It works on virtually any mobile phone, from basic feature phones to the latest smartphones. When you insert your SIM into a phone, the toolkit communicates directly with your mobile network operator (Safaricom, Vodacom, etc.) using secure, encrypted commands.

Here is why the M-Pesa SIM Toolkit is still the king of mobile money. mpesa sim toolkit

The location of the toolkit varies depending on your device's operating system: The SIM Toolkit is a set of applications