What is Elma?

I’m sure some of you have seen an advertisement in the Daily Nation for www.elma.bz. Are any of you, dear readers, wondering what Elma is?

Elma is a mobile /online payment gateway for Kenya, done by Craft Silicon in conjuction with some selected banks. The service is almost ready to launch (it is undergoing final testing).

Reportedly, it is a mobile application (that you download) that would allow you to shop and make payments (cable TV, power & water etc) from your mobile phone, using your elma account which would be linked to your bank account(s). It should also allow you to top up your M-PESA account from your bank account (but not the other way), pay school fees, make donations (to charity for example) etc.

Source: Skunkworks Kenya.

Is this the local payment system we’ve all been waiting?

Additional Resources


  1. spot on….love it 😀 the next move for mobile money

  2. Elma is my sister..LOL…

  3. Great innovation


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  2. […] Elma – we wrote about Elma a while back. While I really like what Elma promises to offer, I don’t really like their […]

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