[01:19] Devyani’s early education

[02:12] Microfinance work that Devyani did

[03:26] Sense of scale of M-Pesa

[04:14] What service is M-Pesa

[07:59] Its macroeconomic impact

[11:13] Distribution and Interaction in the field

[13:33] Apps that may be coming out in the next two or three years on the API that will really take the service to the next level according to Devyani

[15:32] Will there be competition and contention from traditional banking against these systems?

[18:14] Devyani’s thinking on utility company versus the customer interaction

[19:24] What is the activity around the API today?

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