M-PESA vs Cash: Which Sells More?
Many Kenyan businesses receive both M-PESA and cash. Comparing the two helps you understand customer behaviour and money control.
Track each payment method separately
Cash and M-PESA should not be mixed in one figure. Record them separately so you know where the money came from.
Look for daily patterns
Some days may have more M-PESA payments. Others may have more cash. This can depend on customer type, location, product and time of day.
Watch for cash leakage
If M-PESA records are accurate but cash is often short, the issue may be in cash handling, change, withdrawals or unrecorded expenses.
Use both figures for better decisions
Knowing whether customers prefer M-PESA or cash can help with till management, float planning and end-of-day reconciliation.
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