What sets Facebook’s Libra apart is the combination of an active-user network representing more than a third of the global population with the issuance of a private  8  Starbucks, Fiscal 2018 Annual Report, https://s22.q4cdn.com/869488222/files/doc_financials/annual/2018/2018Annual-Report.pdf.
Ladies and Gentlemen: Allow me now to share with you the outcomes of Kenya’s adoption of mobile phone financial services platform and completed by agency banking. According to the FinAccess Survey, 2013, 11.5 million adult Kenyans use mobile financial services as compared to only 5.4 million who use banks.