The latter perspective shares features in common with the "risk management approach" urged by former Federal Reserve Chairman Alan Greenspan 1 . Transparency and flexibility 9.
Kenya's digital landscape enabled her to achieve this by providing a platform for transactions (M-Pesa) and for savings (M-Shwari). Esther is a return migrant and believes that she would have achieved 100 percent of her financial goals had she stayed longer. However, the cost of sending remittances remains high especially in certain corridors.