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A user withdraws money by visiting an agent, who checks that the user has sufficient funds before debiting the user’s account and handing over the cash.
The service does not require users to have bank accounts, an important aspect in a country like Kenya, where many people do not have bank accounts.
The method is cost-free for the users; but costly in network bandwidth.
That is why Safaricom introduced a flashback service that gave every subscriber five free SMS messages with a single pre-defined message stating "Please call me. Although the messages can be annoying when sent just for fun they can prove useful when one is in trouble and has no airtime.
Safaricom is the leading telecommunications service provider in Kenya, controlling 66.3 percent of the market as at September 2015.
As a result of the limited income of most of Safaricom's customers, network congestion emerges from a practice called 'flashing'.