M-Pesa, the mobile payment service, is a tech success story reshaping Africa’s economy. In Malawi and beyond, it processes over a billion transactions monthly, saving time and costs for small businesses. A Kenyan study shows M-Pesa lifted 2% of households out of poverty by enabling SMEs to grow. In Malawi, vendors in markets like Mzuzu use M-Pesa to accept payments, boosting revenue. However, high transaction fees and network issues can hinder adoption. As Africa embraces the Fourth Industrial Revolution, M-Pesa’s model shows how tech can drive economic transformation when tailored to local needs.