MobileFinancialExpertsandAkhetConsultingarepleasedtoannouncetodayastrategicalliancebetweenthetwotostrengthenthedeliverycapabilityofbothfirmsinthefieldofmobilefinancialservicespolicyandsystemimplementation.GregReevesaidtoday:“IwelcomethelinkupwithAkhetandStewartWhite.Wehaveboth worked in this field over the years and now can combine and complement theexpertiseofeachofAkhetandMFXinthisimportantandgrowingarea.”StewartWhitesaid:“TheMiddleEastandAfrica,Indiaandtheregionmoregenerallyarein need of creating the right enabling regulatory frameworks to empower theunderbankedandunbankedtobepartofthedigitaleconomythatwillunderpinSmartcitiesofthefuture.ThisassociationwillbuildonthatandutilisetheexpertiseofMFXtoimplementthem.”BackgroundThe success of e-money systems in Africa, for example, has led to the growth of anindustrythatnowcoversover260livedeployments,howeverthepromiseofreplicationoftheinitialscaledsolutionshasnotmaterializedinthetimeframesimagined.This is due in part to the talent, responsible for creating the business models andoperational solutions existing in competitive spaces and there being no availability ofendtoendindependentcredibleconsultingskills.Someorganisationsexist,howeverthesearestaffedwithpeoplewhodonothavefirst-handexperience,andhavelimitedpracticalknowledge.Someindividualsareconsulting,howevertheyhavelimitedskillsetsandarenotworkingasateam.WhyMobileFinanceExperts?Mobile Finance Experts has brought together a combined team with an exceptionaltrackrecordofdeliveringmobilefinancialservicesinthestrongestmarketsglobally.Webelievewearetheidealpartnerforyourengagement,aseachoftheconsultantshavetheuniqueexperienceofbeingstrategicallyandoperationallypositionedatanexecutivelevelintheseleadingoperations.Thisallowsustoprovidetheneededexpertisetoassistyouwithyourbusinessplanning,designandoperationalexecution.WehavetherightDNA:ourteamofexperts,allhaveastrongtrackrecordintelecomandmobilemoney.Webringstrategicperspective,localmarketfamiliarityandstrongprojectmanagement.

Where else can you get process, product, technology and platform, AML/KYC,operations, customer care, channel, sales and marketing, operations, strategy andcommercialexpertiseinoneplace?TheTeamGregReeve

Greg has been responsible for large at-scale public and privatesector systems covering Financial Services, Machine to Machine,Telecommunications, Travel and Criminal Justice. He has workedglobally for most of his career with specific experience in Africa,LatinAmerica,NorthAmericaandEurope.GregstartedworkingwithMobilePaymentswhenhe ledM-PesaGlobally forVodafone from2009-2013.Recently Greg had P&L responsibility for the MFS operations for

Millicomacross11marketsinbothLatinAmericaandAfrica.Asworldleaderswith10%of theworld’smobilewallets, inMobile Financial Services,Millicomhelpsmillions byprovidingaconvenient,safe,andsecuremeansof transferringmoneyandpayingbillswithahandset,bringingfinancialinclusiontolargenumbersofpeople.GreghasbeenaboardmemberforMilvik(Bima),whichprovidesanend-to-endmobileinsurance solution formobileoperators inemergingmarkets,CirculoPayment,a jointventurebetweenMillicomandKalixatodevelopapaymentsserviceprovidertooperateinAfricaandLatinAmerica,andRswitch,thenationalpaymentsswitchinRwanda.Healsoprovidesadvisoryservicesforotherfintechbusinesses.Greghas a background in large scale IT projects and telecommunications andholds anumber of published patents in the fields of Smartphone App Security, Machine toMachineandMobileMoney.Lesley–AnnVaughan

Lesley-AnnisoneofthecreatorsofM-PESAasoneoftheteamoffiveconsultants who delivered theM-PESA platform for Vodafone fromconcept to launched service,working as ProductManagement lead.She was Chief Product Officer for a MFS Financial Platform startupwith clients globally. She has been operating as an independentconsultantintheMFSsectorsince2012.

Lesley-AnnhasdeepsubjectmatterexpertiseinMFSinitiatives,bothtelco-led&bank-led, including essential elements such as Risk Management, AML Compliance, AgentManagement, Customer Service. Her expertise spans assessment, requirementsdevelopment, technical delivery and operational implementation of MFS programs;Lesley-Ann has spent considerable time helping clients to move from concept to agrowingbusinesswithbusinessprocesses&systemsthataretransparent&canscale.Lesley-Annwas instrumental inthefunctionaldesigns&roadmapprioritizationbehindSafaricom’s API initiatives for the development community, and the design of thesupporting business processes and use case thinking. This detailed design effort hasformedpartoftheVodafone“Generation-2”Platformstrategy.Lesley-AnngraduatedfromCambridgewithMEng(Distinction),BA(1stClassHonours)inEngineering.ChristopherBlackburn

ChrisformedpartoftheexecutiveteamthatlaunchedVodacomM-pesainTanzaniain2008.HehadthekeyroleofManagingExecutiveofPrepaidDistributionbuildingoutletsfrom70toover10,500.Chrishas subsequently led the full program forM-Pesa inAlbania,from establishment of Regulation, subsequent licensing and finallytogoliveforVodafone.Chris has worked exclusively in telecoms in sales and distributionroles. Followingon from theM-pesaoperational launch inAlbania

Chris joinedMillicom in 2014 to head up Sales and Distribution forMobile FinancialsServices in the African Markets. Chris has consulted on Sales and Distribution to anumberofmarketsinAfrica,AsiaandLatinAmericanMarkets.ChrisholdsanExecutiveMBAfromCassBusinessSchool.

GarethPatemanGarethhasplayedacentralroleinthetechnicalevolutionofDigitalFinancialServicesacrossAfrica,AsiaandLatinAmericasince2007,having led the M-Pesa Technology Centre of Excellence forVodafone.GarethfollowedonhiskeyrolewithVodafone,becomingtheChiefTechnologyandInformationOfficerforMobileFinancialServicesinMillicom.WhilstatVodafone,Garethcommissionedandledthedesignofthe

secondgenerationM-PesatechnologyplatformwhichisnowmarketedbyHuawei.ThisplatformmarkedasignificantshiftfromtheoriginalclosedloopdesignofM-PesatoanopenAPI-centricsystem.Garethhasalsobeen responsible foranumberofmobileplatformmigrationsboth inKenya, Rwanda and Tanzania. Ensuring the safe migration of millions of accountsbetweensystems.DylanLennox

Dylan Lennox is an experienced Executive having demonstratedsuccess in launching and managing Mobile Money operations inTanzania (2008) and Mozambique (2013) with Vodacom M-Pesa.UntilDecember2015DylanwastheManagingDirectorofM-PesainMozambique, with complete P&L ownership and responsibility forthe strategy, execution and general management of the sales,distribution, marketing, business development, productdevelopment, finance, customer operations, compliance and riskmanagementfunctions.

PreviouslyhewasresponsibleforstartingupandrunningthecommercialoperationsofVodacomM-PesainTanzaniaasManagingExecutive:NewTechnologiesandlaterChiefOfficer: M-Commerce, from June 2007 until he left in September 2012. Tanzania iswidely recognized as one of the leading mobile money markets in the world withVodacomM-Pesa the leader in a highly competitive environmentwith greater than 6millionmonthlyactivecustomers.DylanisaCharteredAccountant(SA)whoalsohassignificantexperienceandexpertisein starting up and leading telecoms revenue assurance, billing integrity and productdevelopmentfunctionsinSouthAfrica,TanzaniaandMozambique.

Inadditiontohisstrategic,commercialandoperationalMobileMoneyexpertiseDylanwill bring his focus and passion to assistMobileMoneyOperators to implement andmanage all of their Interoperability, Open API, Fraud, Revenue Assurance, AMLCompliance,AgentManagement,CustomerInsights,CustomerValueManagementandBusiness Intelligence requirements by implementing the required Mobile MoneyBusiness Support Systems (MMBSS) and associatedMobileMoneyManaged Services(MMMS).EmilSjöblom

Emil Sjöblom is highly experienced,managingMobile FinancialServices for Tigo Cash in Rwanda with full P&L responsibility,with over 1million active users, and a distribution network ofover12,000agents.PreviouslyEmildeliveredtheglobalProjectManager&ProductStrategy for the MillicomMobile Money App for Android andiOS, and managed on-boarding of new global partners andproducts.

EmilwasalsoresponsiblefortheImplementationandManagementoftheTigoMobileMoneyPlatformsforTanzania,Ghana,Rwanda,andDRC,MarketassessmentsofDRC,Chad,SenegalandMauritius,aswellastheBusinessownerforthevendorselectionforMobileMoneyPlatformforMauritius,Senegal,Tanzania,RwandaandDRC.EmilalsolaunchedsupportinGhana(Feb2011-June2011)andRwanda(Sep2010-Feb2011)forTigoCashRichardMorecroft

Richard is a senior change leader with a proven record ofenabling and delivering successful digital transformation andinnovationthroughdirectandindirectleadershipWhilst atOoredoo, Richard led the launch of the $10mGroupDigital/Mobile regulated financial services business fromstrategy, investment sign off, platform selection andmanagement (SAP), team formation, build and launch. Grew

business toover150kcustomers (15%Qatarmarket share) in18monthsafter launchwithtransactionsinexcessof$15m/yr.

Theplatformnowhandles1mcustomersin3countries.FollowingOoredoo,RichardhasconsultedforFinancialServiceorganizationsaswellasprovidedBoardAdvisoryservices.MadlyneNjoroge

Madlyneleadtheset-upoftheM-PESAinthelargestcallcenterinSub-Saharan Africa at Safaricom-Vodafone, which has over 20Mactive customers. She has significant expertise inmobilemoneyoperations, customer care structural set-up, business processdesign, customer insights, business intelligence analysis, talentmanagementandtrainingmanagementAs the Senior Lead in Customer Care Executive Team, she wasinstrumental in the set-up of theM-PESA operational structures,design and implementation of the business processes from thepilot phase to post launch. The impact was within the first 3

months since launch, her team was supporting over 100,000 registered M-PESAcustomers.She has extensive experience in the telecom industry. From 2005-2014, she gainedbroad expertise in MFS operations management while partnering in interoperabilityprojectsspanningfromKenya,India,UKandRegionalAfricamarkets.Hercontributionsentailedincreasedvaluepropositions.ThisleadtoincreasedcustomerbaseonproductslikeM-Shwari.Madlyne was involved in the strategic planning of the second generation M-PESAplatformandcontributedinthedevelopmentofthebusinessoperationalprocesses.Theimpactwasimprovedoperationalefficienciesandcustomer/agentexperiences.She holds a Masters Certification in Project Management from George WashingtonUniversityandisaCertifiedContactCenterManagerfromQAIGlobal-India.

StewartWhiteStewart is a regulatoryandcommercial lawyerbybackgroundwithmorethan30yearsofexperience.Hehasworkedinmanyjurisdictions in developed and developing countries advisingboth the public and private sectors in fixed, mobile andsatellite. Hewas the foundingGroup Public PolicyDirector ofVodafone Group plc (where he was known as Vodafone’s“ForeignMinister”),andhasbeenadirectorofmanyVodafoneoperatingcompaniesandmorerecentlyadirectorofEtisalat’sNigerianoperation.He has been involved in e/m commerce for many years andworked on the early stages of mobile money when at

Vodafone.HehasreviewedthelawsandregulationsrelatingtodigitalpaymentswithintheGCCandregion foraUKe-paymenttechnologyclientseekingto introducemobilemoney solutions to accelerate economic development and relevant to the variousSMARTCityinitiativesintheregionHewas the lead legaladvisoronanumberofWorldBankprojects in theMiddleEastincludingtheprivatisationsofoperatorsandcreationofregulatoryauthoritiesinOman,Jordan and Palestine. He led a team in Qatar in 2011-2013 advising ictQATAR onoptimizing the sector framework and developing a sector strategy for the regulatoryauthority.HewasanadvisortotheAustralianGovernmentregardingthecreationoftheNBN, including separation undertakings of Telstra, and other NGN related projectsincludinginKuwait,OmanandQatar.HewasanexpertatanITUSponsoredwithgovernments inCISaworkshoponmobilepayments in Baku Azerbaijan in October 2014, which involved contributorions todeliberations on a regulatory framework for CIS countries, including policy andregulatoryreviewofMobilePaymentsinanumberofcountriesincludingKenya,UKandUAE.HeadvisedonandassistedwiththedraftRecommendationsforadoptionbytheITU.He has recently advised a regional Central Bank on a draft regulatory framework fordigitalpayments.He has been an expert to the European Commission, an advisor to four SecretariesGeneral of the ITU. He founded Akhet Consulting in June 2012 and is resident in theUAE.31stMarch2016

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