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We built M-Pesa for loan repayments. Users decided it was for sending money to family. They were right.
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We turned every corner shop in Kenya into a bank branch. No marble floors required.
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M-Pesa moves more money in Kenya than the formal banking system. We didn't disrupt banks — we replaced them.
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50 million users in a continent where most people never had a bank account. That's not fintech — that's infrastructure.
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The developing world doesn't need to follow the Western banking playbook. It can skip ahead entirely.