In this video, Amolo Ng’weno, Deputy Director, Bill & Melinda Gates Foundation, talks about the operations of M-Pesa in Kenya, that is reaching over 12 million people at 19,000 outlets. She also explains the methodology of M-Pesa and its implementation by Equity Bank, Kenya. She elaborates that co-operatives had been the first to adopt M-Pesa followed by banks. In terms of financial inclusion, M-Pesa has been very successful in Kenya due to various favourable factors such as regulatory attitude, marketing and customer outreach and most importantly strong agent network has led to the rapid expansion of M-Pesa.