M-Pesa, which means mobile money in Swahili, is credited with transforming the lives of millions of Africans who did not have access to conventional banking services. It has recently migrated to Europe launching in Romania. Since its introduction in Kenya seven years ago, the service has registered nearly 17 million users. RFI's Daniel Finnan spoke to Michael Joseph, the founder of M-Pesa and Vodafone’s director of mobile money, he talks about the history of M-Pesa, the successes and setbacks and highlights their future plans in Africa and around the world.