In this episode, we explore the evolution of mobile financial services and the opportunity to deepen financial inclusion in African markets. This opportunity exists for mobile network operators, as well fintechs like PalmPay, backed by hardware manufacturer Transsion, whose smartphone brands - Tecno, Itel, and Infinix - account for over 50% of smartphone devices on the continent.

1:55 - We explore the evolution from USSD-led Mobile Money 1.0 to smartphone-led Mobile Money 2.0, with Hover's Wiza Jalakasi.
5:11 - Chris Williamson, the Head of M-Pesa at Vodacom Group, describes the future of M-Pesa and mobile financial services, and the role M-Pesa wishes to play to broaden the use cases and lay the rails for others in the ecosystem to build on top of.
10:27 - We also hear from Ramatoulaye Adama Diallo, the CEO of Orange Money Senegal, on Orange's approach to increasing the utilization of mobile financial services, and their role in the development of the tech ecosystem.
14:24 - While telcos have an outsize advantage from a distribution and customer perspective, so too does Transsion. We speak to PalmPay's Sofia Zab on how the fintech is leveraging their strategic investment from Transsion to integrate financial services into the hardware, and on the work they are doing to build out the digital use cases for its users. 
20:16 - Where are there opportunities for startups to partner with MNOs or manufacturers, and how do they go about developing said partnerships? We hear from two emerging market fintech veterans - Adia Sowho and Hayden Simmons. 
26:05 - As always, a reflective discussion between Sayo Folawiyo and Justin Norman - this week, on the differences between and opportunities for telco-led versus hardware-led mobile financial services.