Mobile Banking was considered to be the future of banking.After years of continuous evolution in technology, infrastructure improvement and investments in time and money, Mobile Banking is here and here to stay.The previously untapped multi-billion dollar industry in the developing countries where conventional banking could not cater for large populations of people has now opened up a new era in banking. Mobile banking is now providing banking services to millions of unbanked customers. By merging telecommunication technology and mobile application development to create mobile wallets, banking has evolved beyond the usual traditional banking model. Telecommunication companies are one of the major players in direct competition with banks and have opened up opportunities for technology firms,retailers and other firms closely related to the technology. Overview of M-Commerce and M-Banking solution for the unbanked takes an in-depth look at the technology behind the revolution. It also closely looks into how it was embraced and deployed in Sub Saharan Africa with Kenya at the forefront of the revolution which was a success story and an inspiration for technology advancement in Africa.