Now that M-shwari has shifted their loans to Fuliza you should Know the following.
Fuliza is a product of Commercial Bank of Africa (CBA) which is just integrated with Safaricom M-Pesa.
CBA bank also owns M-Shwari. Meaning that Fuliza and M-Shwari are products of the same bank.
When you transact on Fuliza or M-Shwari, it is the CBA bank that gives money through Safaricom and not Safaricom itself that gives you Money.
If now you have M-Shwari loan, you will now be paying just as you pay Fuliza.
This means that when you receive money through M-Pesa, it will be automatically used to recover M-Shwari loan.
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