Safaricom Unveils Daraja 3.0 as a Major Leap into the Future of Fintech

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Safaricom PLC has introduced Daraja 3.0, a major upgrade to its M PESA API platform. The announcement marks a bold step into what the company describes as Fintech 2.0 and comes as Safaricom celebrates twenty five years of connecting lives and driving innovation across Kenya. The launch brought together developers, fintech partners, and technology leaders, reflecting Safaricom’s commitment to co creating the next chapter of Kenya’s digital growth story.

Speaking at the event, Esther Waititu, the chief financial services officer at Safaricom PLC, reaffirmed the company’s vision. She noted that Daraja 3.0 is a gateway to the next frontier of fintech and emphasised the crucial role developers play in the M PESA ecosystem. As the company marks twenty five years, she added that Safaricom is ready to shape the future of digital finance together with its developer community.

Daraja 3.0 is powered by a modern cloud native architecture that delivers improvements in reliability, security, and overall system responsiveness. The platform offers stronger compliance with global standards, better uptime, and faster rollout of updates. This gives developers and integrators the ability to build and scale financial products with greater confidence.

The upgrade also expands Safaricom’s API ecosystem. It introduces new security APIs designed to strengthen fraud detection, enhance prevention measures, and improve identity verification. Businesses can now build and host their services within the M PESA Super App, gaining instant access to millions of users while lowering distribution costs. The advanced product APIs will create more opportunities for integrators to design secure and relevant solutions across different sectors.

Daraja 3.0 signals a shift toward smarter, safer, and more inclusive digital financial services. It also showcases Safaricom’s continued partnership with developers. As Safaricom accelerates its journey to become Africa’s leading purpose led technology company by 2030, the developer ecosystem will be essential in establishing M PESA as the preferred partner for customers, enterprises, and the public sector.

As the company marks twenty five years of impact, Safaricom continues to invest in innovation, sustainability, and collaborative solutions to power Kenya’s digital economy and future growth.


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