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December 04th 2014:Disruptive Innovation from the Bottom: Africa Leads the Mobile Financial Services Revolution

“Disruptive innovation always comes from the bottom” says Capgemini financial services guru and growth strategist, Deborah Baxley. Today Africa is a hotbed of mobile financial services innovation. A perfect storm of converged mobile technology and financial services supplying the “bottom of the pyramid” is creating products that are simpler, cheaper and offer more value. Fact: 52% of the world’s mobile money services are in Sub-Saharan Africa. Once those innovations reach developed markets “they will sow the seeds of disruption to incumbents.” On the upside, these innovations in P2P lending, b

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Deborah Baxley

Deborah Baxley is a Principal with Capgemini Financial Services Consulting. She is a recognized expert in the payments industry and 30-year IBM veteran with 20 years consulting experience in 14 countries. She possesses in-depth experience in mobile payments and credit cards. She is an officer on the Smart Card Alliance Payments Council, co-founder/officer of NYPAY networking group, and Certified Smart Card Industry Professional. She is a frequent keynote speaker and prolific author on topics of mobile and advanced payments innovation.
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