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7.5 million people in Tanzania do have bank accounts and we have 24.4 million mobile money wallets.

So the market has awakened and all the customers

as of course all the operators are enjoying a little bit of financial inclusion

through these digital lending initiative.

An opportunity for any street vendor to bus conduct a bicycle repair or mama untilier

to build a score with the bank and later qualify for the loans of up to $250.

My first experience of working abroad came in 2006-2007 when I was

implementing risk-based collection strategies for Barclays portfolio of credit cards and personal loans.

In primarily Botswana and Kenya. Botswana is great, a lovely place you should

visit and I always had a good time there but Kenya was always the more dynamic

market and I'll forever be in love with Nairobi's mad architecture but I'll also

always feel like I missed out a bit because I saw the seeds of massive change and

didn't appreciate what those might grow into. These were the early days before

easy roaming and so we would buy prepaid some cards in Kenya to use while we were there.

And one thing we noticed was that a call from Nairobi to Johannesburg on a safaricom prepaid sim

...