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With growth, development and financial inclusion high on the agenda at the recent World Bank/IMF meetings in Lima, Peru, this week's podcast looks back at an innovation that helped bring millions of people in Kenya into the financial system. Economist and former governor of the Central Bank of Kenya Njuguna Ndung'u, who is also a member of CGD's Task Force on Regulatory Standards for Financial Inclusion, discusses the changes brought to Kenyan society by the introduction of the mobile money transfer service M-Pesa.