Complex sentence: M-PESA is operated by Safaricom a Mobile Network Operators (MNO) which is not classed as a deposit-taking institutions (such as banks), so M-PESA may not be advertised as a banking service.
Split into simpler sentences: M-PESA is operated by Safaricom, a Mobile network operator (MNO), which is not classed as a deposit-taking institutions (such as a bank). Therefore, M-PESA may not be advertised as a banking service.