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“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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