There is some consensus among Kenyans that the government's borrowing habits have in recent times been bad.
But when you launch an overdraft facility and debt-loathing Kenyans compare the country's borrowing frenzy to it, then the product is as popular as it is infamous.
The image of Fuliza, an overdraft facility that allows Safaricom's M-Pesa users to complete mobile money transactions even when they do not have enough cash in their mobile wallets, has been badly battered.
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