2) which to me is more likely, there is a cartel of frauds within Safaricom just sending out “empty” MPESA texts and this time not coming through a phone number but as an MPESA message disguised as authentic.

WARNING!!! If you receive such a text, just tell the person to follow the money with Safaricom.

This is what I finally told the so called FATMA though she did not want to follow that route. I barely survived!!!!

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