[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?