This book tells a tale of innovation, disruption, and transformation. Mobile money, e-money, e-float, e-wallets, mobile banking, however you characterise it, is not just a cool app. It s a killer app, the first for mobile phones in the developing world. It s also a disruptive innovation that threatens incumbent businesses and is sparking new business formation and entrepreneurship. Nowhere is this mobile money phenomenon more prevalent and successful than in Kenya. In five years, 19 million Kenyans, more than 70% of the adult population, have signed up for mobile money services. Fifteen million are customers of M-PESA ( M for Mobile and pesa means money in Swahili). Now, one out of every two people in the world who sends money over a mobile phone is a Kenyan. Mobile money is the rare case in which an African country is the global market leader and an exporter of innovation.

About the Author

Nicholas P. Sullivan is a Senior Fellow at the Center for Emerging Market Enterprises at The Fletcher School (Tufts University). He is co-chair of The Fletcher School Leadership Programme for Financial Inclusion, which conducts research on financial innovation and develops leadership programmes for Central Bankers from emerging and frontier markets. He has written widely on business, technology and development, and is author of You Can Hear Me Now: How Cell Phones Are Connecting the World s Poor to the Global Economy (Jossey-Bass 2007). He received a Bellagio Fellowship from the Rockefeller Foundation to write this book. Tonny K. Omwansa lectures at the University of Nairobi in Kenya, in the School of Computing and Informatics. He specialises in Information and Communication Technology for Development (ICT4D), exploring design and implementation of low- cost technologies for developing countries, with particular emphasis on mobile applications and their socio-economic impacts. His PhD research explored the impact of mobile money at the base of the pyramid. Omwansa was also a panel member for the GSMA s Mobile Money for the Unbanked programme, evaluating mobile money projects for seed funding from the Bill & Melinda Gates Foundation. He received a Bellagio Fellowship from the Rockefeller Foundation to write this book.

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