All three of those now have mobile money as a destination (e.g., m-Pesa for Kenya), so the remittance transaction might be received in a matter of two- or maybe five minutes after it was sent -- other than when there are the occasional issues (e.g., m-Pesa network outage, or the remittance organization having to restock funds to be able to deliver, or their compliance system cancels the transaction, etc.)

This is an example of where much of Africa played "leapfrog" versus the West. Mobile money works along the lines of a bank account in your hand. The funds from the remittance, once received, are instantly spendable and are accepted by most merchants, can be transferred person-to-person, or can be withdrawn as cash at any mobile money agent (which are almost literally everywhere).

The experience for the sender, using a legacy remittance operator (e.g., Moneygram, World Remit, etc.), can range from "that was not entirely horrible" to "OMFG I want to strangle those #&$*%ers"!! The experience using Strike Send Globally (which went through Bitnob) was low stress, and no disappointment.