• Microsoft Corporation

BANKS PERFORM AN ESSENTIAL FUNCTION, but are neither the beginning nor the end of the value chain. After all, the family wants the house, not the loan; the alleviation of risk, not the insurance policy. Banks and other financial institutions can demonstrate their value by acting as a trusted intermediary and focusing on outcomes. Digital solutions can also serve the needs of unserved or underserved markets. Note the example of Vodafone’s MPesa, which has made mobile transfer and microfinancing
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