Days after clarity over the interest rate debate was resolved a new twist has waded its way again into the capping of rates debate. The latest being commercial bank of Africa. The bank has, insisted that it will not be lowering the cost of M-shwari loans arguing it charges a fee and not interest rate for the short-term credit. this technically means borrowers on mobile money will continue to pay the prevailing rate by M-shwari which is pegged at 7.5% flat rate. What will perhaps be a boon for consumers is the bank will now give savers a 7.3% on savings as interest.