M-Shwari is another Mobile revolutionary product from Safaricom Limited. It has got rigid bank regimes flat footed leaving banks pondering their next move. I must conquer that it is a product suited for many millions of "un-banked" Kenyan population. But another Micro-finance in Kenya is now claiming the ownership of the idea. The micro-finance institution insist that Safaricom stole their idea and the matter now is in litigation. Is it that financial institutions are fighting Safaricom for their innovative products for eating up their marginal profits? If that is the case then, financial institutions must create their innovative products and patent to help them stay afloat.