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Mobile money can also prove commercially significant for service providers, when it reaches scale. Although the transaction fees that mobile money providers charge are individually quite small, in total, they can represent an important revenue source. For example, Safaricom, the mobile operator that offers M-PESA, reported mobile money revenues for the first half of 2011 of K Sh 7.9 billion ($90 million). In addition, cash agents may also gain commercial benefit from the fees they receive. Benefits from innovation Improving the ability of the poor to transfer money is certainly beneficial, but in isolation, mobile transfer ser - vices do not capture the full potential of mobile money to enhance financial inclusion. Early.

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