Sitoyo Lopokoiyit

We're shy in saying the numbers, but it's over $400 billion of value going through the ecosystem.

Just.

You're so humble, I'm trying to like ... It's 180 million transactions.

In most of our markets, it's between 30 and, to markets like Kenya, it's over 60 percent of the GDP of the country is flowing through the M-Pesa ecosystem.

So it's really transformative in terms of ... Thank you.

and we, in terms of, let's say, just lending, we lend over $50 million a day with NPLs below 3%, which is unheard of anywhere in the world.

Yeah, I think for us, every single day I walk into the office, it's like the first day of...

at work, and I've been in M-PESA for a very, very long time.

And it's because we enter there every single day trying to solve real-life problems.

We look at insights, we innovate around that.

So just imagine, in Kenya today, there's six million visually impaired people and one million people are blind.

Now, how do those people who are excluded get to do financial services with dignity?

And in 2018, we got to work with a fantastic company from South Korea called The Braille Company, and we built the first braille.braille watch for visually impaired people in Kenya.

And that meant that over a million people now can access financial services with dignity.

And that DNA of how we create products and services is what we carry on till today.

So it's about two years ago, we created something called the Hassler Fund in collaboration with government.

And the government wanted everyone above 18 to have a clean slate.

And we worked with them, and they removed nine million people from the credit reference bureau and gave them a fresh start.

to rebuild that credit.

And with that, over 20 million Kenyans got back access to financial services from a clean slate.