Vodafone is a mobile telecommunications company that offers voice, messaging, and data services across mobile and fixed networks; fixed broadband and TV services; cloud and hosting as well as internet protocol-virtual private network services; roaming services; and unified communications services. The company also provides M-Pesa, a mobile moneytransfer and payment service that enables customers to access their bank accounts to send and receive money, purchase goods, pay bills, and save money and receive short-term loans; and Vodafone One Net, a converged fixed and mobile communications service for large and multinational companies as well as small- and medium-sized companies.