The person is by Andrea Dijkstra.
Business reporter
The image is from Jeroen van Loon.
The image caption is.
Jackson Opati is the shopkeeper at the milk vending machine.
Jackson Opati stopped selling packaged milk from his store and instead used a vending machine to sell fresh milk. He says that the ATM is a more lucrative business.
Mr Opati runs a small grocery store in the crowded settlement of Kibera.
His shop was built from wooden poles and corrugated sheets and has hosted a milk vending machine. It is one of the machines that Zaidi has.
He uses a small panel on the front of the machine to tell the customer how much money to spend and then he pours the milk into a recycled plastic bottle or bag that the customer brings from home.
The number of customers has increased since he got the vending machine.
The image is from Jeroen van Loon.
The image caption is.
The machine will give exact amounts like a petrol pump.
Mr Opati sells 150 litres of milk a day. On Fridays and Saturdays, he makes 6,000 shillings a week by making 300 litres. He says it's a good business for him.
"These vending machines have become very important for us in Kibera," says one of his customers, as he waits in front of a tall machine with pictures of black and white Friesian cows.
She says she can spend whatever she wants on milk, even as little as 10 shillings (9 cents; 7p), based on the money she has in her pocket.
Being able to buy fresh produce in small quantities is a huge bonus for people who live in such settlements, they often earn less than a dollar a day.
The packed long life milk that is sold at most places in Kibera is cheaper than the milk that is sold in the store.
The image is from the same source.
The image caption is.
Many of the people in Kibera live on less than a dollar a day.
The pasteurised milk from Zaidi's ATM costs 65 shillings a liter, while the packed ultra-heated long life milk costs around 120 shillings a liter.
Milk, cooking oil, clean renewable cooking fuel and sanitary pads are sold at vending machines in informal settlements.
Graham Benton, co-founder and chief executive of Zaidi Technologies, says that they decided to sell milk through ATMs as it removes the cost of packaging, improves the costs of logistics and allows them to sell milk without VAT.
80% of the market that has remained undiscovered by larger, regulated businesses can be unlocked with the help of the ATMs.
The caption is media.
There are clean fuel dispensers across the country.
The machines have provided new business opportunities. A woman formed a group of people. We wanted to start a business with our savings and these ATMs seemed to be affordable.
They were able to buy a cooking oil vending machine and rent a small space from where they sell the oil because they didn't have enough pooled cash to open a whole shop.
A single mother explains that they make a profit of 400 shillings a day, which they put into a bank account and use for emergencies, like when one of their group members needs to go to a hospital.
The image is from Jeroen van Loon.
The image caption is.
A vending machine was a good way to start a business.
There are challenges when operating vending machines in Africa.
Shops can only afford the cheapest machines, which might not be suitable for food. They may not be able to pay for the upkeep. They might turn machines off when they are empty to save money.
Power cuts are a common occurrence in the region.
Zaidi Technologies has developed a different business model to counter some of the issues: it owns and installs vending machines, the shopkeeper pays for the electricity and the water for cleaning. They get a commission of 4 shillings for every liter of milk they sell.
Zaidi Technologies is working on a system that will allow delivery drivers to lock the vending machines after pasteurization, so that milk can't be tampered with.
The systems will be automated so that we can see if the door is tampered with, or if the milk is not cold enough, so that we can take the system offline until a technician can come and service it.
The image is from KOKO Networks.
The image caption is.
KOKO Networks designed a machine for the African market.
KOKO Networks has developed a vending machine system for the African market to sell bioethanol cooking fuel.
The KOKO machines can give small amounts of fuel to customers who don't have much money.
To protect fuel quality and ensure safe handling. Sagun Saxena, executive director at KOKO, says that the fuel can only be used in a registered KOKO canister and that the ATM avoids creating mountains of plastic waste.
When customers refill their fuel canister, KOKO pays a commission to the shopkeeper, while they use mobile money payments.
The company was launched in partnership with Shell and now has more than 750 bioethanol vending machines in the country.
There are many opportunities for vending machines in the food sector. He says that packaging, handling and trading via small shops adds a lot of costs.
Retail prices for food are higher in small shops than in larger supermarkets. Many households will benefit from the use of vending machines.
There is a country called Kenya.
Business in Africa.
Africa's economy.
A dairy farm.
