These include licensing of deposit taking microfinance institutions (DTMs) and credit reference bureaus (CRBs); introduction of shariah compliant banking products, mobile phone money transfer services and the agency banking model. These measures and new institutions help in completing the financial infrastructure picture in Kenya that reflects its market structures as well.
Ladies and gentlemen, I hope that all of you will take more from this conference than just papers. Networking, cooperation and a fruitful exchange of views are extremely valuable for our common task. We are facing challenging risks. Let’s cooperate and jointly face them! 12  See Goodhart, C.A.E. (2004), Some new directions for financial stability?