Kenya has the world's highest rate of P2P (person-2-person) mobile payments familiarity and highest usage level but many businesses are yet to leverage the full range of solutions available for mobile payments. That is changing faster. SMEs in Kenya are adopting mobile payments especially at the point of sale (POS). SMEs will drive mobile money in Kenya for the next 10 years. Financial institutions are leveraging mobile money but they are slow. SMEs are adopting M-PESA faster and they are more innovative than the big financial institutions. C-2-B (customer-to-business) payments is the next frontier for mobile money (M-PESA) in Kenya.