Liquidity and Savings in the Age of M-PESA (Innovations Case Narrative: Jipange KuSave) Open Access

Nick Hughes and Gautam Ivatury are two of the founding members of Signal Point Partners, a company created in 2009 to build innovative mobile services in emerging markets. Nick was previously at Vodafone, where he started M-PESA, taking it from a concept to a multi-million-dollar business in five years. Gautam's previous role was leading the technology program at Consultative Group to Assist the Poor, where he focused on branchless and mobile banking.

Jonathan Petrides set up and led Jipange KuSave in Kenya. He previously worked in the emerging markets telecom practice at McKinsey, with a focus on mobile money.

Stuart Rutherford has worked extensively in microfinance for over three decades and is a practitioner of innovative services through his organization in Bangladesh called SafeSave. Stuart has published widely on the subject of the poor and their money and is regarded by many as one of the leaders in this sector.