Mr. Azimullah Khan, 1LINK, Pakistan Mr. Ephrem Mekuria, Commercial Bank of Mr. Manish Khera, Financial Inclusion Professional and Ethiopia, Ethiopia Entrepreneur, India Mr. Yishak Mengesha, Commercial Bank of Mr. Melaku Kifle, Ministry of Finance and Economic Ethiopia, Ethiopia Cooperation, Ethiopia Mr. Francisco Mere, Bankaool, Mexico Mr. Christoph Kneiding, AccessCrédito, Brazil Mr. Abrar Mir, Habib Bank Limited, Pakistan Mr. Kabir Kumar, Omidyar Network, India Dr. Deepak Mohanty, Reserve Bank of India, India Dr. Peeyush Kumar, Ministry of Finance, India Mr. S S Mundra, Reserve Bank of India, India L N Mr. Rajiv Lall, IDFC Bank, India Mr. Getahun Nana, National Bank of Ethiopia, Ethiopia Mr. Jorge Lara, MasterCard, Mexico Mr. Ghalib Nishtar, Khushhali Bank, Pakistan Ms. Chidinma Lawanson, Enhancing Financial Innovation Mr. Tiago Novais, GSMA, Brazil & Access, Nigeria Mr. Teshome Legesse, Oromiya Credit and Savings Share O Company, Ethiopia Mr. Peter Li, CreditEase, China Ms. Omotade Odunowo, FETS Mobile Money, Nigeria Dr. Li Quan, Chinese Academy of Fiscal Sciences, China Mr. Mike Ogbalu, Interswitch, Nigeria Dr. Li Yan, Renmin University, Center for Microfinance Mr. Edoyemi Ogoh, Telecommunications Industry, Nigeria Initiatives & Networks, China Mr. Olatunde Ogunsola, FETS Mobile Money, Nigeria Ms. Lian Huishan, IFC, China Mr. Celestine Okobi, FirstBank, FirstMonie, Nigeria Mr. Tim Liu, Renmin University, Center for Microfinance Dr. Arkebe Oqubay, Office of the Prime Minister, Ethiopia Initiatives & Networks, China Mr. Juan Luis Ordaz Díaz, BBVA Bancomer, Mexico Mr. Javier Lizárraga, Ministry of Communications and Mr. Jorge A. Ortíz, Fintech Mexico, Mexico Transportation, Mexico Mr. Carlos Lopez-Moctezuma, BBVA Bancomer, Mexico P Mr. Rogerio Antonio Lucca, Central Bank of Brazil, Brazil Mr. Fernando Luege, Bankaool, Mexico Dr. U S Paliwal, Reserve Bank of India, India Ms. Pan Yiting, Yirendai, China M Dr. Alok Pande, Ministry of Finance, India Mr. Danniel Lafetá Machado, Central Bank of Brazil, Brazil Mr. João Pedro Paro Neto, MasterCard, Brazil Mr. Omar Moeen Malik, Easypaisa, Telenor, Pakistan Dr. N R Prabhala, Center for Advanced Financial Research and Learning, India, and University of Maryland, Mr. Wajahat Malik, The First MicroFinanceBank College Park, United States Ltd., Pakistan Mr. Luis Gustavo Mansur Siqueira, Central Bank of Q Brazil, Brazil Mr. Carlos Marmolejo, National Commission of the Dr. Simon Quinn, University of Oxford Retirement Savings System (CONSAR), Mexico Mr. Bilal Ali Qureshi, Karandaaz, Pakistan Ms. Lorenza Martinez, Bank of Mexico, Mexico Mr. Caio Megale, Itaú-Unibanco, Brazil 90 McKinsey Global Institute Acknowledgments