Boya vs M
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Boya
This platform helps small businesses manage their expenses and payments efficiently. It provides a centralized location to track spending details, enabling smarter financial decisions.
- Expense tracking
- Payment management
- Spending organization
- Financial decision support
- All-in-one platform
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Boya is an all-in-one spend platform for small businesses. We empower businesses to pay for their expenses and organize details of their spending all in one place for better and smarter spending decisions.
M
This mobile banking app offers a secure and convenient way for customers to manage their finances. It allows users to access accounts, send money, withdraw cash, transfer funds, and purchase airtime. Additionally, it provides access to instant loans and a channel to repay Sacco loans, along with viewing bank statements and loan viability.
- Account access
- Money transfers
- Cash withdrawal
- Airtime purchase
- Instant loans
- Loan repayment
- View bank statements
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Stima Sacco Mobile Banking Application The Stima Sacco Mobile Banking app for Kenya’s Stima Sacco customers.It is your Mobile Wallet for all your banking and financial needs. Stima Sacco Mobile Banking app provides an easy, secure, anytime and anywhere banking way to: •Access your account, send money, withdraw cash, transfer money and buy airtime •Access to M-Pawa unsecured instant loan •A channel to repay all your Sacco loans •Access channel to view all your bank statements and your mobile loan viability
Screenshots
Verdict
The clearest difference is review sentiment: Boya at 100% against M's 0%. Boya also leads on rating (5.0 vs 3.0) and update cadence (weekly vs every 2 months). M's advantage is iOS requirement (12.0 vs 15.5). On price, ratings volume, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Boya holds the better App Store score, 5.0 against 3.0. Both are backed by a comparable volume of ratings — 1 and 1 respectively. Written reviews point the same way: 100% of Boya's written reviews are positive against 0% of M's.
Boya ships an update weekly, M every 2 months. The most recent releases landed on September 27, 2026 and July 23, 2026 respectively.
| Parameter | Boya | M |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | 3.0 (1 ratings) |
| Positive reviews | 100.0% of reviews — better | 0.0% of reviews |
| Number of ratings | 1 | 1 |
| Update frequency | Weekly — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.5 | 12.0 — better |
| Further details — not scored | ||
| Size | 153 MB | 153 MB |
| Age rating | 4+ | 4+ |
| Developer | Boya Ltd | STIMA SAVINGS AND CREDIT CO-OPERATIVE SOCIETY |
Customer experience
Boya
M
In-app purchases
Boya
No in-app purchases
M
No in-app purchases
