Solving the liquidity management challenge is one of the next big issues facing mobile money providers around the world. In Kenya, 20 percent of m-pesa customers report that they cannot withdraw money from an m-pesa agent. In 70 percent of those cases, the retail agent did not have sufficient funds. Nonetheless, more than 98 percent of m-pesa customers are happy with the solution. This suggests that even though there are liquidity problems, the customers are willing to look past that - at least for the time being - because of the overall value they perceive from the mobile money solution. Liquidity management takes two forms: management of electronic value in the mobile wallet and cash management. It is becoming more common for electronic liquidity to be handled not only by the retail agents, but also by the master agents. Technology is also being developed to help the master agents and the mobile financial services provider (MFSP) manage liquidity.