**"Naija's M-PESA Gets a Makeover: How Shiriki Pay is Revolutionizing Mobile Payments"** In a move that could change the way we think about mobile payments in Nigeria, Safaricom, the leading telecoms operator in Kenya, has introduced a new feature within its popular M-PESA app called Shiriki Pay. This innovative mini-app allows users to share their wallet balance with up to two trusted beneficiaries, who can then use it to pay merchants, subject to a preset monthly cap. Shiriki Pay is an experiment in delegated spending, a concept that challenges the traditional idea of personal wallets. By allowing users to share their funds with others, Shiriki Pay opens up new possibilities for mobile payments in Nigeria. Imagine being able to share your M-PESA balance with your children, employees, or even a family member, giving them the freedom to make payments without having to worry about transferring funds. Setting up Shiriki Pay is a straightforward process. Users can access it through the Financial Services tab in the M-PESA app and follow a simple setup process, which includes authenticating with their M-PESA PIN or fingerprint. The interface is clean and intuitive, with a dashboard that shows existing beneficiaries and their monthly caps. Once set up, beneficiaries can use Shiriki Pay to make payments to merchants using three different M-PESA rails, including Buy Goods, Paybill, and Pochi la Biashara. These services are designed to cater to different types of merchants, from retail shops to informal traders. One of the interesting aspects of Shiriki Pay is that beneficiaries cannot withdraw cash, but can initiate peer-to-peer transfers. This means that Shiriki Pay is not just limited to merchant payments, but can also be used for personal transactions. While Shiriki Pay is still in its testing phase, it has the potential to revolutionize mobile payments in Nigeria. By allowing users to share their funds with others, Shiriki Pay can help to increase financial inclusion, especially among low-income households. As the service continues to evolve, we can expect to see more innovative features and use cases emerge. In conclusion, Shiriki Pay is an exciting development in the world of mobile payments in Nigeria. Its potential to increase financial inclusion and simplify mobile transactions makes it a game-changer in the industry. As Safaricom continues to test and refine this feature, we can expect to see more exciting developments in the world of M-PESA.