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Pakistan has 240 million people and mobile money penetration under 7%.
Kenya solved this in 2007.
Here's what the research actually says about why — and why most explanations get it wrong.
My own research on digital finance in Pakistan
keeps coming back to this.
We've been studying the wrong variable.
Not trust. Not regulation.
Whether the product solves something urgent
enough to actually change behavior.
M-Pesa did.
Most of what came after didn't.
@JMNewsNetwork_ They called him uncivilized when he was eating biryani with his hands and alhamdullah now he made everyone setting on the ground for aftar. 💕