Mobile and financial inclusion: M-PESA

We’re all familiar with the mobile phone as a digital technology because of the incredibly high level of global penetration that it has achieved. By definition, Disruptive Innovations should democritise offerings, taking products and services that historically have only been available to a privileged subpopulation and making them available to the masses. This gives the mobile great potential as a vector of disruptive digital innovation; potential that has come to fruition in the financial sector. Microfinance is the provision of financial services to individuals and businesses that lack access to traditional banking and related services. When successful it is a disruptive innovation and imp

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Cambridge Digital Innovation

Hughes Hall, University of Cambridge

Cambridge Judge Business School

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