Co-op Bank Kenya API

So The Co-operative Bank of Kenya Ltd. seems to have unveiled a developer portal and exposed quite a number of APIs to work with their back-ends. These include:

  • Account Transactions
  • Exchange Rate
  • Internal Funds Transfer
  • Pesalink
  • Transaction Status Query
  • Account Balance
  • Account Transactions

Check it out at

Interesting times coming up… 🙂

Upcoming M-Pesa API

So, I have been working on a new API. It will simply be dubbed “Proxy API

Will probably be released in the next 2+ months.

Will be prepaid, based on tokens/credits per API call (so it can support itself)

It will be my version of Daraja, but with some new features I believe developers really need. They include (for v1 of the API):

  • Almost real-time logs views for selected API calls
  • Instant callback URL change, including for C2B, via UI
  • As complete Documentation as I can possibly write, in tutorial form similar to my past tutorials (but I think this is obvious)
  • Admin statistics page**
  • Simpler and more intuitive REST/JSON API interfaces

It will be directly connected to Broker API, thus as the name suggests, will be basically a proxy to the SOAP/XML API similar to Daraja, but providing a customized REST/JSON interface to it.

Unfortunately, the first version will not have Lipa na Mpesa/STK Push API available, since there is no other more stable alternative public connection to the STK Push system apart from Daraja to work with. If I or anyone else finds an alternative, I am open to suggestions.

Forgive me if my perfectionist mind does not work fast enough, We all know how much we need an improvement on Daraja.

Coming Soon :-)…


There is a Challenge going around Local social circles (could be International) called the 52 Week Challenge. This challenge is a savings plan that seeks to motivate or encourage people to save a small amount each week, towards a final target at the end of the year. I have seen multiple variations of the challenge, and they all seem to provide a tidy sum to the ones who are able to hold out.

For those unfamiliar with the challenge, one of it’s versions goes along these lines:

  • Begin by choosing a starting amount which you are comfortable with e.g. Ksh. 50. This is what will be saved on the first week.
  • Choose an increment that will be added to the starting amount to get the amount to save for the second week. By default, the initial/starting amount is chosen.
  • For every successive week, the increment will be added to the total increments since the beginning of the plan, then added again to the previous week’s amount to get the current week’s amount to save. E.g. taking the initial amount as Ksh. 50, and taking increment = initial amount = Ksh. 50, we can get the following outline for the first month
    • Week 1: 0 + 0 + 50 = Ksh. 50 (previous total increments = 0, previous weekly amount = 0, current increment = 50)
    • Week 2: ((50 + 50) + 50) = Ksh. 150 (previous total increments = 50, previous weekly amount = 50, current increment = 50)
    • Week 3: ((100 + 50) + 150 ) = Ksh. 300 (previous total increments = 100, previous weekly amount = 150, current week’s increment = 50)
    • Week 4: ((150 + 50) + 300) = Ksh. 500 (previous total increments = 150, previous weekly amount = 300, current week’s increment = 50)
    • …and so on till the 52nd week where we shall have Ksh. 68900 as our final amount. Tidy sum, right? 😀

For those with the ability, you can change the initial value and the increment at your own volition to vary the amount you get at the end of the year. Of course the higher the better. 😉

Also, I really think its a good way to get some free cash to splash out on yourself/your friends at the end of the year. Who knows, you could use that cash for a trip anywhere you like (of course within your means).

Yes, we know, the economy is tough, so is life. So suck it up and get moving.

But I believe humans have quite a short lifespan, so they should spend some of it, if not most of it, enjoying the short time they have on this planet. Don’t argue with me…

So I decided to have some fun and create my own challenge calculator. I have modified mine to allow someone to change the incremental value added on each week e.g. if your initial amount was Ksh. 50, you can choose to decrease the increment for the second week by Ksh. 5 off the previous week’s increment, giving you Ksh. 45. We shall define the Ksh. 5 as the decrement. Add this to the first week’s amount of Ksh. 50 and you get Ksh. 145 to save for the second week. I have also allowed one to vary the time period they want to save for (in weeks). Using our previous example, for the first month, the savings plan, with a decrement of Ksh. 5 every week, will look something like this :

  • Week 1: (0 + 50) + 0 = Ksh. 50 (previous total increments = 0, previous amount = 0, current increment = 50
  • Week 2: ((50 + 45) + 50) = Ksh. 145 (previous total increments = 50, previous amount = 50, current increment = (50 – 5) = 45)
  • Week 3: ((95 + 40) + 145) = Ksh. 280 (previous total increments = (45 + 50), previous amount = 145, current week’s increment = (45 – 5) = 40)
  • Week 4: ((135 + 35) + 280) = Ksh. 450 (previous total increments = (50 + 45 + 40) = 135, previous amount = 280, current week’s increment = (40 – 5) = 35)

You can also choose to use the default decrement of 0 to use the default implementation of the plan.

NB: In some cases, while performing the calculations, there will be a time when the weekly increment will get to and go below 0 due to the subtractions on it when a decrement > 0 has been set. At that moment, we shall use the absolute value of the increment for your calculations to get the weekly deposit e.g. instead of -5, we shall use 5. You will not notice this without performing your own calculations, but this actually yields some interesting results. Play around with the calculator and see for yourself 😀


So, who’s up for a game of Savings? 😎