As an example of such targeted financial services, Kenya will allow the public to purchase government securities through their mobile phone money transfer services, with a minimum investment amount of $ This will be transformational—in addition to promoting financial inclusion, it will strengthen the population’s savings culture and ultimately lead to an increase in national savings.
 Standardization of technologies will likely yield benefits in the short term, but this should not be allowed to stifle the emergence of new technology. Technological standards support the production process and market penetration of products, and thereby has a significant effect on innovation, productivity, and market structure.