Embracing this same spirit, let me first turn to a few considerations of the current setting. 1  First, mobile phone technology has allowed Kenya to make substantial progress in financial inclusion. There are some 38.3 million mobile phone subscribers in Kenya, a penetration rate of 89 percent.
In addition, the network of mobile money agents has grown significantly, from 527 agents in June 2007 to 164,465 in June 2016.