WEBVTT Kind: captions Language: en 00:00:05.070 --> 00:00:14.910 align:start position:0% [Music] 00:00:14.910 --> 00:00:14.920 align:start position:0% 00:00:14.920 --> 00:00:18.470 align:start position:0% [Music] 00:00:18.470 --> 00:00:18.480 align:start position:0% 00:00:18.480 --> 00:00:20.470 align:start position:0% and<00:00:18.840> uh<00:00:18.960> it's<00:00:19.039> an<00:00:19.160> enormous<00:00:19.560> privilege<00:00:19.920> to<00:00:20.080> be 00:00:20.470 --> 00:00:20.480 align:start position:0% and uh it's an enormous privilege to be 00:00:20.480 --> 00:00:23.189 align:start position:0% and uh it's an enormous privilege to be here<00:00:21.480> um<00:00:22.199> I'm<00:00:22.359> not<00:00:22.600> going<00:00:22.720> to<00:00:22.880> give<00:00:23.000> you<00:00:23.080> a 00:00:23.189 --> 00:00:23.199 align:start position:0% here um I'm not going to give you a 00:00:23.199 --> 00:00:26.349 align:start position:0% here um I'm not going to give you a technical<00:00:23.720> talk<00:00:24.720> I'm<00:00:24.960> going<00:00:25.199> to<00:00:25.960> just<00:00:26.160> tell 00:00:26.349 --> 00:00:26.359 align:start position:0% technical talk I'm going to just tell 00:00:26.359 --> 00:00:29.509 align:start position:0% technical talk I'm going to just tell you<00:00:26.480> a<00:00:26.640> little<00:00:27.000> bit<00:00:28.000> about<00:00:28.800> the<00:00:29.000> operating 00:00:29.509 --> 00:00:29.519 align:start position:0% you a little bit about the operating 00:00:29.519 --> 00:00:30.470 align:start position:0% you a little bit about the operating environment 00:00:30.470 --> 00:00:30.480 align:start position:0% environment 00:00:30.480 --> 00:00:33.110 align:start position:0% environment and<00:00:30.599> the<00:00:31.160> opportunity<00:00:32.160> across<00:00:32.520> the<00:00:32.680> continent 00:00:33.110 --> 00:00:33.120 align:start position:0% and the opportunity across the continent 00:00:33.120 --> 00:00:35.830 align:start position:0% and the opportunity across the continent of<00:00:33.520> Africa<00:00:34.520> but<00:00:34.760> specifically<00:00:35.200> in<00:00:35.399> Kenya 00:00:35.830 --> 00:00:35.840 align:start position:0% of Africa but specifically in Kenya 00:00:35.840 --> 00:00:39.709 align:start position:0% of Africa but specifically in Kenya where<00:00:36.079> I<00:00:36.360> live<00:00:36.559> and<00:00:36.800> work<00:00:37.120> and<00:00:38.120> run<00:00:39.120> a<00:00:39.239> small 00:00:39.709 --> 00:00:39.719 align:start position:0% where I live and work and run a small 00:00:39.719 --> 00:00:42.950 align:start position:0% where I live and work and run a small fintech<00:00:40.719> micro<00:00:41.079> investment<00:00:41.879> business<00:00:42.879> I 00:00:42.950 --> 00:00:42.960 align:start position:0% fintech micro investment business I 00:00:42.960 --> 00:00:44.510 align:start position:0% fintech micro investment business I thought<00:00:43.239> best<00:00:43.399> to<00:00:43.559> start<00:00:43.800> off<00:00:43.920> with<00:00:44.039> a<00:00:44.160> global 00:00:44.510 --> 00:00:44.520 align:start position:0% thought best to start off with a global 00:00:44.520 --> 00:00:48.069 align:start position:0% thought best to start off with a global view<00:00:45.120> of<00:00:45.320> Africa<00:00:46.199> by<00:00:46.440> night<00:00:47.399> and<00:00:47.559> just<00:00:47.760> start 00:00:48.069 --> 00:00:48.079 align:start position:0% view of Africa by night and just start 00:00:48.079 --> 00:00:50.709 align:start position:0% view of Africa by night and just start off<00:00:48.559> by<00:00:48.719> looking<00:00:49.000> at<00:00:49.160> where<00:00:49.280> the<00:00:49.440> lights<00:00:49.760> are 00:00:50.709 --> 00:00:50.719 align:start position:0% off by looking at where the lights are 00:00:50.719 --> 00:00:53.349 align:start position:0% off by looking at where the lights are and<00:00:50.879> where<00:00:51.039> the<00:00:51.160> lights<00:00:51.399> are<00:00:51.800> not<00:00:52.800> and<00:00:53.000> that 00:00:53.349 --> 00:00:53.359 align:start position:0% and where the lights are not and that 00:00:53.359 --> 00:00:54.709 align:start position:0% and where the lights are not and that probably<00:00:53.640> portrays<00:00:54.079> the<00:00:54.199> most<00:00:54.399> powerful 00:00:54.709 --> 00:00:54.719 align:start position:0% probably portrays the most powerful 00:00:54.719 --> 00:00:57.229 align:start position:0% probably portrays the most powerful image<00:00:54.920> of<00:00:55.079> the<00:00:55.440> opportunity<00:00:56.440> and<00:00:56.760> perhaps<00:00:57.079> of 00:00:57.229 --> 00:00:57.239 align:start position:0% image of the opportunity and perhaps of 00:00:57.239 --> 00:00:59.709 align:start position:0% image of the opportunity and perhaps of the<00:00:57.359> social<00:00:57.840> mission<00:00:58.840> that<00:00:59.000> awaits<00:00:59.359> us<00:00:59.480> all<00:00:59.640> if 00:00:59.709 --> 00:00:59.719 align:start position:0% the social mission that awaits us all if 00:00:59.719 --> 00:01:02.910 align:start position:0% the social mission that awaits us all if we<00:01:00.000> so<00:01:00.719> care<00:01:01.719> so<00:01:01.920> my<00:01:02.039> name<00:01:02.160> is<00:01:02.320> Wayne<00:01:02.519> Hennessy 00:01:02.910 --> 00:01:02.920 align:start position:0% we so care so my name is Wayne Hennessy 00:01:02.920 --> 00:01:05.630 align:start position:0% we so care so my name is Wayne Hennessy Barrett<00:01:03.640> um<00:01:03.960> I'm<00:01:04.119> the<00:01:04.280> CEO<00:01:04.760> of<00:01:05.000> Ford<00:01:05.360> Le 00:01:05.630 --> 00:01:05.640 align:start position:0% Barrett um I'm the CEO of Ford Le 00:01:05.640 --> 00:01:08.070 align:start position:0% Barrett um I'm the CEO of Ford Le Capital<00:01:06.600> I'm<00:01:06.840> also<00:01:07.080> very<00:01:07.280> privileged<00:01:07.640> to<00:01:07.759> be 00:01:08.070 --> 00:01:08.080 align:start position:0% Capital I'm also very privileged to be 00:01:08.080 --> 00:01:12.190 align:start position:0% Capital I'm also very privileged to be on<00:01:08.240> The<00:01:08.360> Advisory<00:01:08.759> Board<00:01:09.000> of<00:01:09.479> ethereum<00:01:10.600> um<00:01:11.600> 4G 00:01:12.190 --> 00:01:12.200 align:start position:0% on The Advisory Board of ethereum um 4G 00:01:12.200 --> 00:01:16.390 align:start position:0% on The Advisory Board of ethereum um 4G capital<00:01:13.200> is<00:01:13.640> a<00:01:13.840> micro<00:01:14.240> Investment<00:01:15.080> Company<00:01:16.080> we 00:01:16.390 --> 00:01:16.400 align:start position:0% capital is a micro Investment Company we 00:01:16.400 --> 00:01:19.789 align:start position:0% capital is a micro Investment Company we provide<00:01:17.000> very<00:01:17.280> small<00:01:17.960> loans<00:01:18.960> between<00:01:19.280> $50<00:01:19.680> and 00:01:19.789 --> 00:01:19.799 align:start position:0% provide very small loans between $50 and 00:01:19.799 --> 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money<00:01:32.600> completely 00:01:33.830 --> 00:01:33.840 align:start position:0% or AEL money completely 00:01:33.840 --> 00:01:36.069 align:start position:0% or AEL money completely unsecured<00:01:34.840> and<00:01:34.960> we<00:01:35.119> only<00:01:35.320> lend<00:01:35.560> to<00:01:35.759> people<00:01:35.960> who 00:01:36.069 --> 00:01:36.079 align:start position:0% unsecured and we only lend to people who 00:01:36.079 --> 00:01:38.230 align:start position:0% unsecured and we only lend to people who are<00:01:36.240> self-employed<00:01:37.200> and<00:01:37.320> trying<00:01:37.560> to<00:01:37.720> raise 00:01:38.230 --> 00:01:38.240 align:start position:0% are self-employed and trying to raise 00:01:38.240 --> 00:01:40.149 align:start position:0% are self-employed and trying to raise themselves<00:01:38.680> and<00:01:38.840> their<00:01:39.040> households<00:01:39.479> out<00:01:39.640> of 00:01:40.149 --> 00:01:40.159 align:start position:0% themselves and their households out of 00:01:40.159 --> 00:01:44.149 align:start position:0% themselves and their households out of poverty<00:01:41.159> it's<00:01:41.280> a<00:01:41.520> touch<00:01:42.240> Tech<00:01:43.159> model 00:01:44.149 --> 00:01:44.159 align:start position:0% poverty it's a touch Tech model 00:01:44.159 --> 00:01:46.109 align:start position:0% poverty it's a touch Tech model relationships<00:01:44.759> are<00:01:44.920> very<00:01:45.079> very<00:01:45.280> important 00:01:46.109 --> 00:01:46.119 align:start position:0% relationships are very very important 00:01:46.119 --> 00:01:48.910 align:start position:0% relationships are very very important everywhere<00:01:47.119> but<00:01:47.320> particularly<00:01:47.799> in<00:01:47.960> Africa 00:01:48.910 --> 00:01:48.920 align:start position:0% everywhere but particularly in Africa 00:01:48.920 --> 00:01:51.310 align:start position:0% everywhere but particularly in Africa but<00:01:49.079> the<00:01:49.240> technology<00:01:49.719> makes<00:01:49.880> it<00:01:50.159> scalable<00:01:51.159> and 00:01:51.310 --> 00:01:51.320 align:start position:0% but the technology makes it scalable and 00:01:51.320 --> 00:01:53.590 align:start position:0% but the technology makes it scalable and makes<00:01:51.479> it<00:01:51.640> standardized<00:01:52.439> and<00:01:52.560> drives 00:01:53.590 --> 00:01:53.600 align:start position:0% makes it standardized and drives 00:01:53.600 --> 00:01:55.590 align:start position:0% makes it standardized and drives quality<00:01:54.600> we<00:01:54.759> put<00:01:54.920> the<00:01:55.040> customer<00:01:55.399> at<00:01:55.520> the 00:01:55.590 --> 00:01:55.600 align:start position:0% quality we put the customer at the 00:01:55.600 --> 00:01:57.389 align:start position:0% quality we put the customer at the center<00:01:55.799> of<00:01:55.960> everything<00:01:56.200> we<00:01:56.360> do<00:01:57.119> and<00:01:57.240> we 00:01:57.389 --> 00:01:57.399 align:start position:0% center of everything we do and we 00:01:57.399 --> 00:01:59.270 align:start position:0% center of everything we do and we operate<00:01:57.680> a<00:01:57.840> relational<00:01:58.399> model<00:01:58.799> where<00:01:58.960> Stan 00:01:59.270 --> 00:01:59.280 align:start position:0% operate a relational model where Stan 00:01:59.280 --> 00:02:01.590 align:start position:0% operate a relational model where Stan and<00:01:59.399> bansy<00:01:59.920> here<00:02:00.079> for<00:02:00.240> example<00:02:01.119> who<00:02:01.280> work<00:02:01.479> in 00:02:01.590 --> 00:02:01.600 align:start position:0% and bansy here for example who work in 00:02:01.600 --> 00:02:03.749 align:start position:0% and bansy here for example who work in our<00:02:01.759> Wang<00:02:02.039> Gigi<00:02:02.320> Branch<00:02:02.600> to<00:02:02.719> the<00:02:02.880> northwest<00:02:03.399> of 00:02:03.749 --> 00:02:03.759 align:start position:0% our Wang Gigi Branch to the northwest of 00:02:03.759 --> 00:02:06.270 align:start position:0% our Wang Gigi Branch to the northwest of Nairobi<00:02:04.759> will<00:02:05.000> look<00:02:05.200> after<00:02:05.479> a<00:02:05.640> portfolio<00:02:06.159> of 00:02:06.270 --> 00:02:06.280 align:start position:0% Nairobi will look after a portfolio of 00:02:06.280 --> 00:02:08.869 align:start position:0% Nairobi will look after a portfolio of maybe<00:02:06.520> up<00:02:06.640> to<00:02:06.759> a,<00:02:07.320> customers<00:02:08.160> within<00:02:08.520> their 00:02:08.869 --> 00:02:08.879 align:start position:0% maybe up to a, customers within their 00:02:08.879 --> 00:02:11.670 align:start position:0% maybe up to a, customers within their territorial<00:02:09.640> area<00:02:10.640> and<00:02:10.800> ensure<00:02:11.200> that<00:02:11.400> they 00:02:11.670 --> 00:02:11.680 align:start position:0% territorial area and ensure that they 00:02:11.680 --> 00:02:14.550 align:start position:0% territorial area and ensure that they provide<00:02:12.360> a<00:02:12.560> support<00:02:12.959> network<00:02:13.400> for<00:02:13.680> them<00:02:14.360> so 00:02:14.550 --> 00:02:14.560 align:start position:0% provide a support network for them so 00:02:14.560 --> 00:02:16.990 align:start position:0% provide a support network for them so they<00:02:14.680> can<00:02:14.800> grow<00:02:15.040> their<00:02:15.560> business<00:02:16.560> with<00:02:16.720> the 00:02:16.990 --> 00:02:17.000 align:start position:0% they can grow their business with the 00:02:17.000 --> 00:02:19.110 align:start position:0% they can grow their business with the means<00:02:18.000> the<00:02:18.160> credit 00:02:19.110 --> 00:02:19.120 align:start position:0% means the credit 00:02:19.120 --> 00:02:22.070 align:start position:0% means the credit facility<00:02:20.120> but<00:02:20.280> also<00:02:20.519> the<00:02:20.720> ways<00:02:21.599> micro 00:02:22.070 --> 00:02:22.080 align:start position:0% facility but also the ways micro 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00:02:33.509 --> 00:02:33.519 align:start position:0% so I'm just going to cover a little bit 00:02:33.519 --> 00:02:35.190 align:start position:0% so I'm just going to cover a little bit about<00:02:33.760> the<00:02:33.920> context<00:02:34.400> of<00:02:34.560> what<00:02:34.680> we're<00:02:34.840> doing 00:02:35.190 --> 00:02:35.200 align:start position:0% about the context of what we're doing 00:02:35.200 --> 00:02:37.309 align:start position:0% about the context of what we're doing here<00:02:35.519> and<00:02:35.680> how<00:02:35.800> it<00:02:35.879> can<00:02:36.040> apply<00:02:36.280> to<00:02:36.560> there<00:02:37.200> I'm 00:02:37.309 --> 00:02:37.319 align:start position:0% here and how it can apply to there I'm 00:02:37.319 --> 00:02:40.070 align:start position:0% here and how it can apply to there I'm not<00:02:37.440> going<00:02:37.519> to<00:02:37.640> go<00:02:37.760> over<00:02:38.000> too<00:02:38.239> much<00:02:39.239> old<00:02:39.599> ground 00:02:40.070 --> 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align:start position:0% prerequisite where you don't get charged to<00:02:55.640> use<00:02:55.800> a<00:02:56.200> middleman<00:02:57.200> to<00:02:57.400> guarantee<00:02:57.959> that 00:02:58.110 --> 00:02:58.120 align:start position:0% to use a middleman to guarantee that 00:02:58.120 --> 00:03:00.949 align:start position:0% to use a middleman to guarantee that your<00:02:58.280> own<00:02:58.599> data<00:02:58.920> is<00:02:59.080> yours<00:02:59.599> and<00:02:59.879> is<00:03:00.040> secure<00:03:00.800> and 00:03:00.949 --> 00:03:00.959 align:start position:0% your own data is yours and is secure and 00:03:00.959 --> 00:03:02.350 align:start position:0% your own data is yours and is secure and your<00:03:01.080> own<00:03:01.239> money<00:03:01.519> goes<00:03:01.760> where<00:03:01.879> it's<00:03:02.040> meant<00:03:02.200> to 00:03:02.350 --> 00:03:02.360 align:start position:0% your own money goes where it's meant to 00:03:02.360 --> 00:03:03.789 align:start position:0% your own money goes where it's meant to be<00:03:02.720> you're<00:03:02.879> looking<00:03:03.080> at<00:03:03.200> some<00:03:03.360> very<00:03:03.599> very 00:03:03.789 --> 00:03:03.799 align:start position:0% be you're looking at some very very 00:03:03.799 --> 00:03:07.070 align:start position:0% be you're looking at some very very exciting 00:03:07.070 --> 00:03:07.080 align:start position:0% 00:03:07.080 --> 00:03:09.229 align:start position:0% prospects<00:03:08.080> the<00:03:08.200> story<00:03:08.440> of<00:03:08.560> Africa<00:03:08.840> up<00:03:09.000> until 00:03:09.229 --> 00:03:09.239 align:start position:0% prospects the story of Africa up until 00:03:09.239 --> 00:03:11.270 align:start position:0% prospects the story of Africa up until now<00:03:09.400> has<00:03:09.519> been<00:03:09.640> a<00:03:09.760> challenging 00:03:11.270 --> 00:03:11.280 align:start position:0% now has been a challenging 00:03:11.280 --> 00:03:14.110 align:start position:0% now has been a challenging one<00:03:12.280> a<00:03:12.400> lot<00:03:12.519> of<00:03:12.640> people<00:03:12.879> instantly<00:03:13.400> think<00:03:13.879> of 00:03:14.110 --> 00:03:14.120 align:start position:0% one a lot of people instantly think of 00:03:14.120 --> 00:03:16.910 align:start position:0% one a lot of people instantly think of negative<00:03:14.519> associations<00:03:15.360> disease<00:03:16.159> War 00:03:16.910 --> 00:03:16.920 align:start position:0% negative associations disease War 00:03:16.920 --> 00:03:20.789 align:start position:0% negative associations disease War conflict<00:03:18.040> hunger 00:03:20.789 --> 00:03:20.799 align:start position:0% conflict hunger 00:03:20.799 --> 00:03:22.750 align:start position:0% conflict hunger backwardness<00:03:21.799> that<00:03:22.000> has<00:03:22.159> indeed<00:03:22.440> been<00:03:22.640> the 00:03:22.750 --> 00:03:22.760 align:start position:0% backwardness that has indeed been the 00:03:22.760 --> 00:03:25.670 align:start position:0% backwardness that has indeed been the case<00:03:23.200> to<00:03:23.360> a<00:03:23.480> large<00:03:23.799> degree<00:03:24.799> in<00:03:24.920> the<00:03:25.040> 70s<00:03:25.560> the<00:03:25.599> ' 00:03:25.670 --> 00:03:25.680 align:start position:0% case to a large degree in the 70s the ' 00:03:25.680 --> 00:03:28.789 align:start position:0% case to a large degree in the 70s the ' 80s<00:03:26.000> the<00:03:26.080> '90s<00:03:26.680> Africa<00:03:27.680> was<00:03:27.879> not<00:03:28.080> a<00:03:28.239> compelling 00:03:28.789 --> 00:03:28.799 align:start position:0% 80s the '90s Africa was not a compelling 00:03:28.799 --> 00:03:32.030 align:start position:0% 80s the '90s Africa was not a compelling choice<00:03:29.799> as<00:03:29.879> an<00:03:29.959> investment<00:03:30.879> destination<00:03:31.879> why 00:03:32.030 --> 00:03:32.040 align:start position:0% choice as an investment destination why 00:03:32.040 --> 00:03:34.589 align:start position:0% choice as an investment destination why is<00:03:32.480> this<00:03:33.480> for<00:03:33.599> a<00:03:33.720> number<00:03:33.920> of<00:03:34.040> reasons<00:03:34.400> but 00:03:34.589 --> 00:03:34.599 align:start position:0% is this for a number of reasons but 00:03:34.599 --> 00:03:36.190 align:start position:0% is this for a number of reasons but people<00:03:34.920> adapt<00:03:35.280> to<00:03:35.439> the<00:03:35.519> rules<00:03:35.799> and<00:03:35.920> to<00:03:36.040> the 00:03:36.190 --> 00:03:36.200 align:start position:0% people adapt to the rules and to the 00:03:36.200 --> 00:03:38.350 align:start position:0% people adapt to the rules and to the contexts<00:03:37.080> in<00:03:37.239> which<00:03:37.400> they 00:03:38.350 --> 00:03:38.360 align:start position:0% contexts in which they 00:03:38.360 --> 00:03:40.949 align:start position:0% contexts in which they live<00:03:39.360> if<00:03:39.480> you<00:03:39.560> were<00:03:39.720> growing<00:03:40.000> up<00:03:40.120> and<00:03:40.280> living 00:03:40.949 --> 00:03:40.959 align:start position:0% live if you were growing up and living 00:03:40.959 --> 00:03:43.190 align:start position:0% live if you were growing up and living in<00:03:41.080> a<00:03:41.239> largely<00:03:41.840> Lawless 00:03:43.190 --> 00:03:43.200 align:start position:0% in a largely Lawless 00:03:43.200 --> 00:03:45.149 align:start position:0% in a largely Lawless environment<00:03:44.200> why<00:03:44.319> would<00:03:44.480> you<00:03:44.599> do<00:03:44.799> anything 00:03:45.149 --> 00:03:45.159 align:start position:0% environment why would you do anything 00:03:45.159 --> 00:03:47.470 align:start position:0% environment why would you do anything other<00:03:45.400> than<00:03:45.560> cut<00:03:45.879> corners<00:03:46.280> and<00:03:46.480> hustle<00:03:47.159> to<00:03:47.319> try 00:03:47.470 --> 00:03:47.480 align:start position:0% other than cut corners and hustle to try 00:03:47.480 --> 00:03:49.750 align:start position:0% other than cut corners and hustle to try to<00:03:47.640> get<00:03:47.799> the<00:03:47.959> best<00:03:48.120> for<00:03:48.280> yourself<00:03:48.599> and<00:03:48.760> your 00:03:49.750 --> 00:03:49.760 align:start position:0% to get the best for yourself and your 00:03:49.760 --> 00:03:52.550 align:start position:0% to get the best for yourself and your family<00:03:50.760> if<00:03:51.000> by<00:03:51.200> paying<00:03:51.560> tax<00:03:51.879> you<00:03:52.000> were<00:03:52.120> in<00:03:52.280> fact 00:03:52.550 --> 00:03:52.560 align:start position:0% family if by paying tax you were in fact 00:03:52.560 --> 00:03:54.949 align:start position:0% family if by paying tax you were in fact just<00:03:52.840> rewarding<00:03:53.680> corruption<00:03:54.680> when<00:03:54.840> the 00:03:54.949 --> 00:03:54.959 align:start position:0% just rewarding corruption when the 00:03:54.959 --> 00:03:56.789 align:start position:0% just rewarding corruption when the police<00:03:55.239> are<00:03:55.400> still<00:03:55.560> going<00:03:55.720> to<00:03:55.799> shake<00:03:56.079> you<00:03:56.280> down 00:03:56.789 --> 00:03:56.799 align:start position:0% police are still going to shake you down 00:03:56.799 --> 00:03:58.309 align:start position:0% police are still going to shake you down or<00:03:56.959> the<00:03:57.079> roads<00:03:57.360> or<00:03:57.480> the<00:03:57.599> infrastructure<00:03:58.079> don't 00:03:58.309 --> 00:03:58.319 align:start position:0% or the roads or the infrastructure don't 00:03:58.319 --> 00:04:02.229 align:start position:0% or the roads or the infrastructure don't work<00:03:58.959> then<00:03:59.120> why<00:03:59.239> would<00:03:59.360> you<00:03:59.439> do<00:03:59.560> that 00:04:02.229 --> 00:04:02.239 align:start position:0% 00:04:02.239 --> 00:04:03.789 align:start position:0% if<00:04:02.360> your<00:04:02.519> support<00:04:02.920> networks<00:04:03.280> are<00:04:03.439> entirely 00:04:03.789 --> 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and<00:04:11.200> you're<00:04:11.360> going<00:04:11.519> to<00:04:11.680> follow<00:04:12.000> the 00:04:12.149 --> 00:04:12.159 align:start position:0% thinking and you're going to follow the 00:04:12.159 --> 00:04:13.270 align:start position:0% thinking and you're going to follow the people<00:04:12.400> who<00:04:12.519> look<00:04:12.720> after<00:04:12.959> you<00:04:13.079> and<00:04:13.200> you're 00:04:13.270 --> 00:04:13.280 align:start position:0% people who look after you and you're 00:04:13.280 --> 00:04:14.910 align:start position:0% people who look after you and you're going<00:04:13.400> to<00:04:13.519> look<00:04:13.680> after<00:04:13.920> the<00:04:14.040> people<00:04:14.760> who 00:04:14.910 --> 00:04:14.920 align:start position:0% going to look after the people who 00:04:14.920 --> 00:04:18.469 align:start position:0% going to look after the people who follow<00:04:15.680> you<00:04:16.680> so<00:04:16.880> how<00:04:16.959> do<00:04:17.079> you<00:04:17.199> change<00:04:17.600> this<00:04:18.359> the 00:04:18.469 --> 00:04:18.479 align:start position:0% follow you so how do you change this the 00:04:18.479 --> 00:04:22.070 align:start position:0% follow you so how do you change this the solution<00:04:19.000> has<00:04:19.120> to<00:04:19.280> come<00:04:19.440> from<00:04:19.560> the<00:04:19.720> bottom 00:04:22.070 --> 00:04:22.080 align:start position:0% 00:04:22.080 --> 00:04:26.070 align:start position:0% up<00:04:23.080> the<00:04:23.240> reality<00:04:23.560> is<00:04:23.759> the<00:04:23.919> story<00:04:24.919> is<00:04:25.120> changing 00:04:26.070 --> 00:04:26.080 align:start position:0% up the reality is the story is changing 00:04:26.080 --> 00:04:28.310 align:start position:0% up the reality is the story is changing and<00:04:26.240> has<00:04:26.360> changed<00:04:26.759> markedly<00:04:27.680> all<00:04:27.919> the 00:04:28.310 --> 00:04:28.320 align:start position:0% and has changed markedly all the 00:04:28.320 --> 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align:start position:0% for needing your shoelaces in belt 00:04:37.320 --> 00:04:39.270 align:start position:0% for needing your shoelaces in belt removed<00:04:37.759> by<00:04:37.880> the<00:04:37.960> end<00:04:38.080> of<00:04:38.199> the<00:04:38.320> day<00:04:38.759> to<00:04:38.960> prevent 00:04:39.270 --> 00:04:39.280 align:start position:0% removed by the end of the day to prevent 00:04:39.280 --> 00:04:42.590 align:start position:0% removed by the end of the day to prevent self<00:04:39.720> harm<00:04:40.720> it's<00:04:41.000> just<00:04:41.160> an<00:04:41.360> unremitting<00:04:42.000> diet 00:04:42.590 --> 00:04:42.600 align:start position:0% self harm it's just an unremitting diet 00:04:42.600 --> 00:04:45.510 align:start position:0% self harm it's just an unremitting diet of<00:04:42.840> bad<00:04:43.440> news<00:04:44.440> but<00:04:44.600> if<00:04:44.680> you<00:04:44.800> take<00:04:44.919> a<00:04:45.039> more<00:04:45.199> macro 00:04:45.510 --> 00:04:45.520 align:start position:0% of bad news but if you take a more macro 00:04:45.520 --> 00:04:48.710 align:start position:0% of bad news but if you take a more macro view<00:04:46.440> there<00:04:46.560> is<00:04:46.720> few<00:04:47.400> conflict<00:04:48.400> on<00:04:48.560> the 00:04:48.710 --> 00:04:48.720 align:start position:0% view there is few conflict on the 00:04:48.720 --> 00:04:50.830 align:start position:0% view there is few conflict on the continent<00:04:49.280> in<00:04:49.400> fact<00:04:49.639> globally<00:04:50.440> infant 00:04:50.830 --> 00:04:50.840 align:start position:0% continent in fact globally infant 00:04:50.840 --> 00:04:52.189 align:start position:0% continent in fact globally infant mortality<00:04:51.479> is 00:04:52.189 --> 00:04:52.199 align:start position:0% mortality is 00:04:52.199 --> 00:04:55.270 align:start position:0% mortality is improving<00:04:53.199> education<00:04:53.759> in<00:04:53.919> literacy<00:04:54.639> is 00:04:55.270 --> 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further than ever imagined before<00:05:04.600> so<00:05:05.160> the<00:05:05.320> African<00:05:05.680> century<00:05:06.120> is<00:05:06.280> upon<00:05:06.520> us 00:05:07.270 --> 00:05:07.280 align:start position:0% before so the African century is upon us 00:05:07.280 --> 00:05:09.990 align:start position:0% before so the African century is upon us people<00:05:07.960> understand<00:05:08.280> this<00:05:08.960> the<00:05:09.080> fortune<00:05:09.560> 500s 00:05:09.990 --> 00:05:10.000 align:start position:0% people understand this the fortune 500s 00:05:10.000 --> 00:05:12.350 align:start position:0% people understand this the fortune 500s and<00:05:10.320> 100s<00:05:10.560> are<00:05:10.720> now<00:05:10.919> amongst<00:05:11.199> us<00:05:11.960> and<00:05:12.080> they're 00:05:12.350 --> 00:05:12.360 align:start position:0% and 100s are now amongst us and they're 00:05:12.360 --> 00:05:14.510 align:start position:0% and 100s are now amongst us and they're investing<00:05:12.880> deeply<00:05:13.720> McKenzies<00:05:14.240> are<00:05:14.360> in 00:05:14.510 --> 00:05:14.520 align:start position:0% investing deeply McKenzies are in 00:05:14.520 --> 00:05:17.550 align:start position:0% investing deeply McKenzies are in Nairobi<00:05:15.520> every<00:05:15.880> Big<00:05:16.199> Blue<00:05:16.560> Chip<00:05:17.039> big<00:05:17.199> four 00:05:17.550 --> 00:05:17.560 align:start position:0% Nairobi every Big Blue Chip big four 00:05:17.560 --> 00:05:20.550 align:start position:0% Nairobi every Big Blue Chip big four company<00:05:17.880> is<00:05:18.000> in<00:05:18.199> every<00:05:18.680> major<00:05:19.120> African<00:05:19.560> City 00:05:20.550 --> 00:05:20.560 align:start position:0% company is in every major African City 00:05:20.560 --> 00:05:21.950 align:start position:0% company is in every major African City and<00:05:20.680> the<00:05:20.840> opportunities<00:05:21.360> for<00:05:21.560> what<00:05:21.720> we 00:05:21.950 --> 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genuine custom problems<00:05:31.319> the<00:05:31.520> agricultural<00:05:32.160> sector<00:05:32.440> alone 00:05:32.749 --> 00:05:32.759 align:start position:0% problems the agricultural sector alone 00:05:32.759 --> 00:05:36.070 align:start position:0% problems the agricultural sector alone could<00:05:32.919> feel<00:05:33.319> Feed<00:05:33.600> the<00:05:34.080> World<00:05:35.080> the<00:05:35.280> power 00:05:36.070 --> 00:05:36.080 align:start position:0% could feel Feed the World the power 00:05:36.080 --> 00:05:38.390 align:start position:0% could feel Feed the World the power opportunities<00:05:36.919> sustainably<00:05:37.680> through<00:05:37.880> solar 00:05:38.390 --> 00:05:38.400 align:start position:0% opportunities sustainably through solar 00:05:38.400 --> 00:05:40.510 align:start position:0% opportunities sustainably through solar and<00:05:38.560> other<00:05:38.919> geothermal<00:05:39.520> for<00:05:39.639> example<00:05:40.280> are 00:05:40.510 --> 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negative 00:05:48.189 --> 00:05:48.199 align:start position:0% lungs so forget all the negative 00:05:48.199 --> 00:05:50.350 align:start position:0% lungs so forget all the negative connotations<00:05:49.039> Africa<00:05:49.440> has<00:05:49.639> always<00:05:49.960> been<00:05:50.199> a 00:05:50.350 --> 00:05:50.360 align:start position:0% connotations Africa has always been a 00:05:50.360 --> 00:05:52.710 align:start position:0% connotations Africa has always been a net<00:05:50.639> contributor<00:05:51.360> to<00:05:51.560> planet<00:05:51.880> Earth<00:05:52.600> the 00:05:52.710 --> 00:05:52.720 align:start position:0% net contributor to planet Earth the 00:05:52.720 --> 00:05:54.550 align:start position:0% net contributor to planet Earth the reality<00:05:53.080> is<00:05:53.199> now<00:05:53.360> that<00:05:53.440> we<00:05:53.560> can<00:05:53.680> maybe<00:05:53.919> do<00:05:54.080> it 00:05:54.550 --> 00:05:54.560 align:start position:0% reality is now that we can maybe do it 00:05:54.560 --> 00:05:56.990 align:start position:0% reality is now that we can maybe do it in<00:05:54.680> a<00:05:54.800> more<00:05:55.000> Equitable<00:05:55.479> way<00:05:56.479> the<00:05:56.600> innovation 00:05:56.990 --> 00:05:57.000 align:start position:0% in a more Equitable way the innovation 00:05:57.000 --> 00:05:58.870 align:start position:0% in a more Equitable way the innovation in<00:05:57.120> the<00:05:57.240> human<00:05:57.560> capital<00:05:57.919> story<00:05:58.479> is<00:05:58.600> on<00:05:58.720> the 00:05:58.870 --> 00:05:58.880 align:start position:0% in the human capital story is on the 00:05:58.880 --> 00:06:00.830 align:start position:0% in the human capital story is on the March 00:06:00.830 --> 00:06:00.840 align:start position:0% March 00:06:00.840 --> 00:06:02.029 align:start position:0% March what<00:06:00.960> I<00:06:01.080> really<00:06:01.240> want<00:06:01.360> to<00:06:01.479> bring<00:06:01.680> home<00:06:01.800> to<00:06:01.919> you 00:06:02.029 --> 00:06:02.039 align:start position:0% what I really want to bring home to you 00:06:02.039 --> 00:06:04.950 align:start position:0% what I really want to bring home to you is<00:06:02.120> the<00:06:02.199> share<00:06:02.560> power<00:06:03.360> of<00:06:03.479> the<00:06:03.639> humanity 00:06:04.950 --> 00:06:04.960 align:start position:0% is the share power of the humanity 00:06:04.960 --> 00:06:07.430 align:start position:0% is the share power of the humanity there<00:06:05.960> of<00:06:06.120> the<00:06:06.240> people<00:06:06.479> who<00:06:06.639> live<00:06:06.919> by<00:06:07.120> values 00:06:07.430 --> 00:06:07.440 align:start position:0% there of the people who live by values 00:06:07.440 --> 00:06:10.070 align:start position:0% there of the people who live by values and<00:06:07.639> keep<00:06:07.880> smiling<00:06:08.560> through<00:06:08.919> adversity<00:06:09.919> and 00:06:10.070 --> 00:06:10.080 align:start position:0% and keep smiling through adversity and 00:06:10.080 --> 00:06:11.830 align:start position:0% and keep smiling through adversity and displaying<00:06:10.479> a<00:06:10.560> level<00:06:10.759> of<00:06:10.880> resilience<00:06:11.720> which 00:06:11.830 --> 00:06:11.840 align:start position:0% displaying a level of resilience which 00:06:11.840 --> 00:06:13.309 align:start position:0% displaying a level of resilience which is<00:06:12.000> frankly<00:06:12.280> humbling<00:06:12.759> every<00:06:12.960> day<00:06:13.120> and<00:06:13.199> I'm 00:06:13.309 --> 00:06:13.319 align:start position:0% is frankly humbling every day and I'm 00:06:13.319 --> 00:06:14.950 align:start position:0% is frankly humbling every day and I'm thinking<00:06:13.520> of<00:06:13.680> my 00:06:14.950 --> 00:06:14.960 align:start position:0% thinking of my 00:06:14.960 --> 00:06:17.790 align:start position:0% thinking of my customers<00:06:15.960> so<00:06:16.120> if<00:06:16.240> our<00:06:16.440> big<00:06:16.639> dream<00:06:17.560> is 00:06:17.790 --> 00:06:17.800 align:start position:0% customers so if our big dream is 00:06:17.800 --> 00:06:19.510 align:start position:0% customers so if our big dream is internet 00:06:19.510 --> 00:06:19.520 align:start position:0% internet 00:06:19.520 --> 00:06:22.350 align:start position:0% internet 3.0<00:06:20.520> maybe<00:06:20.720> an<00:06:20.840> even<00:06:21.080> bigger<00:06:21.400> dream<00:06:22.080> is 00:06:22.350 --> 00:06:22.360 align:start position:0% 3.0 maybe an even bigger dream is 00:06:22.360 --> 00:06:23.990 align:start position:0% 3.0 maybe an even bigger dream is business 00:06:23.990 --> 00:06:24.000 align:start position:0% business 00:06:24.000 --> 00:06:28.189 align:start position:0% business 3.0<00:06:25.000> if<00:06:25.240> business<00:06:25.680> one<00:06:26.680> was<00:06:26.919> feudal<00:06:27.759> barter 00:06:28.189 --> 00:06:28.199 align:start position:0% 3.0 if business one was feudal barter 00:06:28.199 --> 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--> 00:06:41.550 align:start position:0% beginning of credit the beginning of intermediaries<00:06:40.160> and<00:06:40.599> third<00:06:40.880> party<00:06:41.160> trusted 00:06:41.550 --> 00:06:41.560 align:start position:0% intermediaries and third party trusted 00:06:41.560 --> 00:06:44.390 align:start position:0% intermediaries and third party trusted agents<00:06:42.280> the<00:06:42.479> may<00:06:42.840> maybe<00:06:43.160> business<00:06:43.520> three<00:06:44.160> is 00:06:44.390 --> 00:06:44.400 align:start position:0% agents the may maybe business three is 00:06:44.400 --> 00:06:47.070 align:start position:0% agents the may maybe business three is peer-to-peer<00:06:45.199> operation<00:06:46.199> where<00:06:46.639> you<00:06:46.800> own 00:06:47.070 --> 00:06:47.080 align:start position:0% peer-to-peer operation where you own 00:06:47.080 --> 00:06:49.510 align:start position:0% peer-to-peer operation where you own your<00:06:47.240> own<00:06:47.520> data<00:06:47.960> you<00:06:48.080> own<00:06:48.360> your<00:06:48.479> own<00:06:48.639> money<00:06:49.319> and 00:06:49.510 --> 00:06:49.520 align:start position:0% your own data you own your own money and 00:06:49.520 --> 00:06:50.909 align:start position:0% your own data you own your own money and actually<00:06:49.759> you<00:06:49.919> have<00:06:50.039> the<00:06:50.199> right<00:06:50.440> to<00:06:50.599> put<00:06:50.720> it 00:06:50.909 --> 00:06:50.919 align:start position:0% actually you have the right to put it 00:06:50.919 --> 00:06:53.350 align:start position:0% actually you have the right to put it exactly<00:06:51.280> where<00:06:51.400> you<00:06:51.520> want<00:06:51.639> it<00:06:51.759> to<00:06:52.360> go 00:06:53.350 --> 00:06:53.360 align:start position:0% exactly where you want it to go 00:06:53.360 --> 00:06:55.550 align:start position:0% exactly where you want it to go rewarding<00:06:53.919> genuine<00:06:54.319> value 00:06:55.550 --> 00:06:55.560 align:start position:0% rewarding genuine value 00:06:55.560 --> 00:06:57.749 align:start position:0% rewarding genuine value creation<00:06:56.560> and<00:06:56.720> letting<00:06:57.039> history<00:06:57.319> judge<00:06:57.599> those 00:06:57.749 --> 00:06:57.759 align:start position:0% creation and letting history judge those 00:06:57.759 --> 00:07:01.350 align:start position:0% creation and letting history judge those who<00:06:57.879> aren't<00:06:58.160> quite<00:06:58.400> there 00:07:01.350 --> 00:07:01.360 align:start position:0% who aren't quite there 00:07:01.360 --> 00:07:05.550 align:start position:0% who aren't quite there just<00:07:01.520> an<00:07:01.680> idea<00:07:01.919> of<00:07:02.520> scale<00:07:03.520> it's<00:07:04.240> big<00:07:05.240> it's 00:07:05.550 --> 00:07:05.560 align:start position:0% just an idea of scale it's big it's 00:07:05.560 --> 00:07:09.150 align:start position:0% just an idea of scale it's big it's really<00:07:05.919> big<00:07:06.759> you<00:07:06.879> can<00:07:07.080> fit<00:07:07.759> all<00:07:07.960> of<00:07:08.160> China<00:07:08.960> into 00:07:09.150 --> 00:07:09.160 align:start position:0% really big you can fit all of China into 00:07:09.160 --> 00:07:11.869 align:start position:0% really big you can fit all of China into the<00:07:09.280> land<00:07:09.520> mass<00:07:09.759> of<00:07:09.919> Africa<00:07:10.759> you<00:07:10.879> can<00:07:11.039> fit<00:07:11.440> East 00:07:11.869 --> 00:07:11.879 align:start position:0% the land mass of Africa you can fit East 00:07:11.879 --> 00:07:15.309 align:start position:0% the land mass of Africa you can fit East and<00:07:12.160> West<00:07:12.840> Europe<00:07:13.840> you<00:07:13.960> can<00:07:14.080> fit<00:07:14.360> Japan<00:07:15.199> you 00:07:15.309 --> 00:07:15.319 align:start position:0% and West Europe you can fit Japan you 00:07:15.319 --> 00:07:17.670 align:start position:0% and West Europe you can fit Japan you can<00:07:15.440> fit<00:07:15.759> India<00:07:16.639> you<00:07:16.759> can<00:07:16.919> even<00:07:17.120> put<00:07:17.319> Plucky 00:07:17.670 --> 00:07:17.680 align:start position:0% can fit India you can even put Plucky 00:07:17.680 --> 00:07:19.150 align:start position:0% can fit India you can even put Plucky Little<00:07:17.879> Britain<00:07:18.160> onto<00:07:18.440> Madagascar<00:07:19.039> over 00:07:19.150 --> 00:07:19.160 align:start position:0% Little Britain onto Madagascar over 00:07:19.160 --> 00:07:22.350 align:start position:0% Little Britain onto Madagascar over there<00:07:19.280> in<00:07:19.400> the<00:07:19.520> corner<00:07:20.440> okay<00:07:20.840> it<00:07:20.960> is<00:07:21.360> colossal 00:07:22.350 --> 00:07:22.360 align:start position:0% there in the corner okay it is colossal 00:07:22.360 --> 00:07:25.309 align:start position:0% there in the corner okay it is colossal there<00:07:22.479> is<00:07:22.639> no<00:07:22.800> such<00:07:23.039> thing<00:07:23.199> as<00:07:23.960> Africa<00:07:24.960> it<00:07:25.039> is 00:07:25.309 --> 00:07:25.319 align:start position:0% there is no such thing as Africa it is 00:07:25.319 --> 00:07:27.710 align:start position:0% there is no such thing as Africa it is as<00:07:25.560> diverse<00:07:25.960> a<00:07:26.199> place<00:07:26.520> as<00:07:26.720> any<00:07:26.960> in<00:07:27.080> the<00:07:27.199> world 00:07:27.710 --> 00:07:27.720 align:start position:0% as diverse a place as any in the world 00:07:27.720 --> 00:07:30.589 align:start position:0% as diverse a place as any in the world between<00:07:28.080> east<00:07:28.440> and<00:07:28.720> west<00:07:29.520> North<00:07:29.800> and<00:07:30.000> South 00:07:30.589 --> 00:07:30.599 align:start position:0% between east and west North and South 00:07:30.599 --> 00:07:33.790 align:start position:0% between east and west North and South anglophonic<00:07:31.280> frankon<00:07:32.319> banto<00:07:33.319> there<00:07:33.440> are<00:07:33.639> so 00:07:33.790 --> 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00:07:42.520 align:start position:0% but there are Universal customer 00:07:42.520 --> 00:07:44.430 align:start position:0% but there are Universal customer requirements<00:07:43.520> that<00:07:43.599> are<00:07:43.840> there<00:07:44.039> crying<00:07:44.319> out 00:07:44.430 --> 00:07:44.440 align:start position:0% requirements that are there crying out 00:07:44.440 --> 00:07:47.149 align:start position:0% requirements that are there crying out to<00:07:44.560> be<00:07:44.879> solved<00:07:45.879> so<00:07:46.080> there<00:07:46.199> is<00:07:46.319> a<00:07:46.520> clear<00:07:46.800> need 00:07:47.149 --> 00:07:47.159 align:start position:0% to be solved so there is a clear need 00:07:47.159 --> 00:07:49.110 align:start position:0% to be solved so there is a clear need now<00:07:47.759> to<00:07:47.919> service<00:07:48.280> the<00:07:48.400> need<00:07:48.560> of<00:07:48.680> these<00:07:48.800> billion 00:07:49.110 --> 00:07:49.120 align:start position:0% now to service the need of these billion 00:07:49.120 --> 00:07:52.670 align:start position:0% now to service the need of these billion OD<00:07:49.400> people<00:07:50.199> to<00:07:50.440> establish<00:07:51.080> scalable<00:07:51.879> reliable 00:07:52.670 --> 00:07:52.680 align:start position:0% OD people to establish scalable reliable 00:07:52.680 --> 00:07:54.790 align:start position:0% OD people to establish scalable reliable sustainable<00:07:53.240> things<00:07:54.000> which<00:07:54.120> is<00:07:54.280> the<00:07:54.440> power<00:07:54.639> of 00:07:54.790 --> 00:07:54.800 align:start position:0% sustainable things which is the power of 00:07:54.800 --> 00:07:55.990 align:start position:0% sustainable things which is the power of what<00:07:54.919> we<00:07:55.039> can 00:07:55.990 --> 00:07:56.000 align:start position:0% what we can 00:07:56.000 --> 00:07:58.790 align:start position:0% what we can do<00:07:57.000> so<00:07:57.280> mobile<00:07:57.599> money<00:07:57.840> a<00:07:57.919> little<00:07:58.080> bit<00:07:58.199> on<00:07:58.400> that 00:07:58.790 --> 00:07:58.800 align:start position:0% do so mobile money a little bit on that 00:07:58.800 --> 00:08:01.149 align:start position:0% do so mobile money a little bit on that I<00:07:58.919> mentioned<00:07:59.199> that<00:07:59.280> we<00:07:59.639> everything<00:07:59.840> on<00:08:00.159> Essa 00:08:01.149 --> 00:08:01.159 align:start position:0% I mentioned that we everything on Essa 00:08:01.159 --> 00:08:02.950 align:start position:0% I mentioned that we everything on Essa if<00:08:01.240> you're<00:08:01.360> not<00:08:01.520> familiar<00:08:01.879> with<00:08:02.120> Essa<00:08:02.840> I'm 00:08:02.950 --> 00:08:02.960 align:start position:0% if you're not familiar with Essa I'm 00:08:02.960 --> 00:08:05.029 align:start position:0% if you're not familiar with Essa I'm afraid<00:08:03.199> you're<00:08:03.360> about<00:08:03.560> 9<00:08:03.800> years<00:08:04.080> late<00:08:04.840> it's 00:08:05.029 --> 00:08:05.039 align:start position:0% afraid you're about 9 years late it's 00:08:05.039 --> 00:08:09.070 align:start position:0% afraid you're about 9 years late it's basically<00:08:05.360> money<00:08:05.879> by<00:08:06.120> SMS<00:08:07.080> okay<00:08:07.680> it's<00:08:07.879> run<00:08:08.240> by 00:08:09.070 --> 00:08:09.080 align:start position:0% basically money by SMS okay it's run by 00:08:09.080 --> 00:08:11.029 align:start position:0% basically money by SMS okay it's run by safaricom<00:08:10.080> they<00:08:10.240> developed<00:08:10.599> the<00:08:10.680> system<00:08:10.919> with 00:08:11.029 --> 00:08:11.039 align:start position:0% safaricom they developed the system with 00:08:11.039 --> 00:08:14.350 align:start position:0% safaricom they developed the system with a<00:08:11.159> dfid<00:08:12.120> grant<00:08:13.120> it<00:08:13.199> is<00:08:13.360> now<00:08:13.560> emulated<00:08:14.120> by<00:08:14.240> a 00:08:14.350 --> 00:08:14.360 align:start position:0% a dfid grant it is now emulated by a 00:08:14.360 --> 00:08:16.309 align:start position:0% a dfid grant it is now emulated by a number<00:08:14.560> of<00:08:14.720> other<00:08:15.120> Telco<00:08:15.639> companies<00:08:16.080> and<00:08:16.240> it 00:08:16.309 --> 00:08:16.319 align:start position:0% number of other Telco companies and it 00:08:16.319 --> 00:08:19.629 align:start position:0% number of other Telco companies and it is<00:08:16.440> on<00:08:16.560> the<00:08:16.680> march<00:08:17.080> in<00:08:17.280> Africa<00:08:18.240> it<00:08:18.360> is<00:08:18.639> secure 00:08:19.629 --> 00:08:19.639 align:start position:0% is on the march in Africa it is secure 00:08:19.639 --> 00:08:22.430 align:start position:0% is on the march in Africa it is secure it's<00:08:19.879> transparent<00:08:20.840> it's<00:08:21.360> instantaneous<00:08:22.360> and 00:08:22.430 --> 00:08:22.440 align:start position:0% it's transparent it's instantaneous and 00:08:22.440 --> 00:08:24.629 align:start position:0% it's transparent it's instantaneous and it<00:08:22.680> transforms<00:08:23.680> low-level<00:08:24.319> cash 00:08:24.629 --> 00:08:24.639 align:start position:0% it transforms low-level cash 00:08:24.639 --> 00:08:27.149 align:start position:0% it transforms low-level cash transactions<00:08:25.639> by<00:08:25.840> removing<00:08:26.280> the<00:08:26.400> need<00:08:26.960> for 00:08:27.149 --> 00:08:27.159 align:start position:0% transactions by removing the need for 00:08:27.159 --> 00:08:28.950 align:start position:0% transactions by removing the need for physical<00:08:27.599> cash<00:08:28.280> which<00:08:28.479> of<00:08:28.599> course<00:08:28.840> is 00:08:28.950 --> 00:08:28.960 align:start position:0% physical cash which of course is 00:08:28.960 --> 00:08:30.589 align:start position:0% physical cash which of course is vulnerable<00:08:29.319> to<00:08:29.560> corruption<00:08:29.919> to<00:08:30.120> theft<00:08:30.400> and 00:08:30.589 --> 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mobile money 00:08:37.039 --> 00:08:39.790 align:start position:0% leading country in terms of mobile money adoption<00:08:37.760> anywhere<00:08:38.080> in<00:08:38.200> the<00:08:38.519> world<00:08:39.519> people 00:08:39.790 --> 00:08:39.800 align:start position:0% adoption anywhere in the world people 00:08:39.800 --> 00:08:41.750 align:start position:0% adoption anywhere in the world people pay<00:08:40.000> each<00:08:40.159> other<00:08:40.399> by<00:08:40.560> zapping<00:08:40.959> smss<00:08:41.479> to<00:08:41.599> one 00:08:41.750 --> 00:08:41.760 align:start position:0% pay each other by zapping smss to one 00:08:41.760 --> 00:08:43.670 align:start position:0% pay each other by zapping smss to one another<00:08:42.000> on<00:08:42.120> their<00:08:42.279> phone<00:08:43.039> we<00:08:43.159> lend<00:08:43.440> to<00:08:43.560> our 00:08:43.670 --> 00:08:43.680 align:start position:0% another on their phone we lend to our 00:08:43.680 --> 00:08:46.150 align:start position:0% another on their phone we lend to our wonderful<00:08:44.080> customers<00:08:45.040> from<00:08:45.480> mobile<00:08:45.800> tablets 00:08:46.150 --> 00:08:46.160 align:start position:0% wonderful customers from mobile tablets 00:08:46.160 --> 00:08:47.949 align:start position:0% wonderful customers from mobile tablets in<00:08:46.279> the<00:08:46.399> field<00:08:47.000> directly<00:08:47.360> to<00:08:47.480> their<00:08:47.640> phones 00:08:47.949 --> 00:08:47.959 align:start position:0% in the field directly to their phones 00:08:47.959 --> 00:08:50.750 align:start position:0% in the field directly to their phones within<00:08:48.240> 24<00:08:48.640> hours<00:08:49.279> they<00:08:49.399> repay<00:08:49.800> Us<00:08:50.279> by<00:08:50.399> zapping 00:08:50.750 --> 00:08:50.760 align:start position:0% within 24 hours they repay Us by zapping 00:08:50.760 --> 00:08:52.990 align:start position:0% within 24 hours they repay Us by zapping it<00:08:50.920> back<00:08:51.080> on<00:08:51.160> a<00:08:51.320> pay<00:08:51.519> bill<00:08:51.720> number<00:08:52.480> our<00:08:52.680> system 00:08:52.990 --> 00:08:53.000 align:start position:0% it back on a pay bill number our system 00:08:53.000 --> 00:08:54.910 align:start position:0% it back on a pay bill number our system instantly<00:08:53.480> notices<00:08:53.839> it<00:08:54.320> and<00:08:54.440> we're<00:08:54.600> able<00:08:54.760> to 00:08:54.910 --> 00:08:54.920 align:start position:0% instantly notices it and we're able to 00:08:54.920 --> 00:08:57.670 align:start position:0% instantly notices it and we're able to pick<00:08:55.080> it<00:08:55.600> up<00:08:56.600> so<00:08:56.800> imagine<00:08:57.040> you're<00:08:57.200> operating<00:08:57.560> a 00:08:57.670 --> 00:08:57.680 align:start position:0% pick it up so imagine you're operating a 00:08:57.680 --> 00:08:59.910 align:start position:0% pick it up so imagine you're operating a world<00:08:57.880> where<00:08:58.000> you<00:08:58.079> don't<00:08:58.240> need<00:08:58.440> Trust<00:08:59.640> imagine 00:08:59.910 --> 00:08:59.920 align:start position:0% world where you don't need Trust imagine 00:08:59.920 --> 00:09:01.030 align:start position:0% world where you don't need Trust imagine you're<00:09:00.079> operating<00:09:00.399> a<00:09:00.560> place<00:09:00.760> where<00:09:00.839> you<00:09:00.959> can 00:09:01.030 --> 00:09:01.040 align:start position:0% you're operating a place where you can 00:09:01.040 --> 00:09:03.069 align:start position:0% you're operating a place where you can see<00:09:01.240> exactly<00:09:01.560> where<00:09:01.720> things<00:09:01.880> are<00:09:02.079> going<00:09:03.000> and 00:09:03.069 --> 00:09:03.079 align:start position:0% see exactly where things are going and 00:09:03.079 --> 00:09:04.710 align:start position:0% see exactly where things are going and you<00:09:03.160> can<00:09:03.279> set<00:09:03.440> up<00:09:03.560> a<00:09:03.720> business<00:09:04.320> using<00:09:04.600> a 00:09:04.710 --> 00:09:04.720 align:start position:0% you can set up a business using a 00:09:04.720 --> 00:09:06.910 align:start position:0% you can set up a business using a distributed<00:09:05.519> application<00:09:06.519> that<00:09:06.640> you<00:09:06.720> can 00:09:06.910 --> 00:09:06.920 align:start position:0% distributed application that you can 00:09:06.920 --> 00:09:08.470 align:start position:0% distributed application that you can access<00:09:07.160> from<00:09:07.320> the<00:09:07.440> Serengeti<00:09:08.079> or<00:09:08.200> indeed 00:09:08.470 --> 00:09:08.480 align:start position:0% access from the Serengeti or indeed 00:09:08.480 --> 00:09:10.230 align:start position:0% access from the Serengeti or indeed anywhere<00:09:08.760> else<00:09:09.480> and<00:09:09.600> you<00:09:09.720> can<00:09:09.920> put<00:09:10.079> your 00:09:10.230 --> 00:09:10.240 align:start position:0% anywhere else and you can put your 00:09:10.240 --> 00:09:12.190 align:start position:0% anywhere else and you can put your knowledge-based<00:09:11.000> value<00:09:11.640> anywhere<00:09:11.959> in<00:09:12.079> the 00:09:12.190 --> 00:09:12.200 align:start position:0% knowledge-based value anywhere in the 00:09:12.200 --> 00:09:14.990 align:start position:0% knowledge-based value anywhere in the world<00:09:13.000> this<00:09:13.120> is<00:09:13.240> even<00:09:13.519> before<00:09:14.360> we<00:09:14.519> get<00:09:14.680> onto 00:09:14.990 --> 00:09:15.000 align:start position:0% world this is even before we get onto 00:09:15.000 --> 00:09:16.509 align:start position:0% world this is even before we get onto Bitcoin<00:09:15.399> or<00:09:15.519> other<00:09:15.680> cryptocurrencies<00:09:16.360> this 00:09:16.509 --> 00:09:16.519 align:start position:0% Bitcoin or other cryptocurrencies this 00:09:16.519 --> 00:09:19.110 align:start position:0% Bitcoin or other cryptocurrencies this suest<00:09:16.800> using<00:09:17.040> Fiat<00:09:17.680> currencies<00:09:18.680> so<00:09:18.959> a 00:09:19.110 --> 00:09:19.120 align:start position:0% suest using Fiat currencies so a 00:09:19.120 --> 00:09:22.190 align:start position:0% suest using Fiat currencies so a practical<00:09:19.839> example<00:09:20.839> we<00:09:21.160> are<00:09:21.440> fintech<00:09:21.880> micro 00:09:22.190 --> 00:09:22.200 align:start position:0% practical example we are fintech micro 00:09:22.200 --> 00:09:24.550 align:start position:0% practical example we are fintech micro investment<00:09:23.120> we've<00:09:23.399> got<00:09:23.839> a<00:09:24.000> great<00:09:24.279> core 00:09:24.550 --> 00:09:24.560 align:start position:0% investment we've got a great core 00:09:24.560 --> 00:09:27.430 align:start position:0% investment we've got a great core banking<00:09:24.959> system<00:09:25.440> proprietorial<00:09:26.440> cloud-based 00:09:27.430 --> 00:09:27.440 align:start position:0% banking system proprietorial cloud-based 00:09:27.440 --> 00:09:29.110 align:start position:0% banking system proprietorial cloud-based it<00:09:27.600> begins<00:09:27.920> in<00:09:28.040> the<00:09:28.160> field<00:09:28.720> where<00:09:28.839> I'll<00:09:28.959> ask 00:09:29.110 --> 00:09:29.120 align:start position:0% it begins in the field where I'll ask 00:09:29.120 --> 00:09:31.030 align:start position:0% it begins in the field where I'll ask you<00:09:29.200> if<00:09:29.440> want<00:09:29.560> a<00:09:29.640> loan<00:09:30.240> I'll<00:09:30.399> credit<00:09:30.640> score<00:09:30.920> you 00:09:31.030 --> 00:09:31.040 align:start position:0% you if want a loan I'll credit score you 00:09:31.040 --> 00:09:32.630 align:start position:0% you if want a loan I'll credit score you based<00:09:31.240> on<00:09:31.360> your<00:09:31.480> personal<00:09:31.800> economics<00:09:32.480> I'll 00:09:32.630 --> 00:09:32.640 align:start position:0% based on your personal economics I'll 00:09:32.640 --> 00:09:35.350 align:start position:0% based on your personal economics I'll geotag<00:09:33.160> you<00:09:33.480> take<00:09:33.640> your<00:09:33.880> picture<00:09:34.880> that<00:09:35.000> fires 00:09:35.350 --> 00:09:35.360 align:start position:0% geotag you take your picture that fires 00:09:35.360 --> 00:09:36.470 align:start position:0% geotag you take your picture that fires through<00:09:35.519> to<00:09:35.640> somebody<00:09:35.839> else<00:09:36.000> who<00:09:36.160> make<00:09:36.320> sure 00:09:36.470 --> 00:09:36.480 align:start position:0% through to somebody else who make sure 00:09:36.480 --> 00:09:38.230 align:start position:0% through to somebody else who make sure everything<00:09:36.720> happens<00:09:37.120> correctly<00:09:37.920> the<00:09:38.000> money 00:09:38.230 --> 00:09:38.240 align:start position:0% everything happens correctly the money 00:09:38.240 --> 00:09:39.389 align:start position:0% everything happens correctly the money gets<00:09:38.399> to<00:09:38.519> you<00:09:38.640> instantly<00:09:39.000> after<00:09:39.120> we've<00:09:39.279> done 00:09:39.389 --> 00:09:39.399 align:start position:0% gets to you instantly after we've done 00:09:39.399 --> 00:09:41.710 align:start position:0% gets to you instantly after we've done our<00:09:39.519> due<00:09:39.720> diligence<00:09:40.519> you<00:09:40.680> repay<00:09:41.079> it<00:09:41.399> you<00:09:41.519> get<00:09:41.640> a 00:09:41.710 --> 00:09:41.720 align:start position:0% our due diligence you repay it you get a 00:09:41.720 --> 00:09:44.430 align:start position:0% our due diligence you repay it you get a follow<00:09:41.959> on<00:09:42.120> loan<00:09:42.680> it's<00:09:42.920> great<00:09:43.440> it's<00:09:43.680> wonderful 00:09:44.430 --> 00:09:44.440 align:start position:0% follow on loan it's great it's wonderful 00:09:44.440 --> 00:09:46.430 align:start position:0% follow on loan it's great it's wonderful we<00:09:44.600> love<00:09:44.800> it<00:09:45.360> we're<00:09:45.480> raising<00:09:45.800> now<00:09:45.959> to<00:09:46.120> scale 00:09:46.430 --> 00:09:46.440 align:start position:0% we love it we're raising now to scale 00:09:46.440 --> 00:09:48.230 align:start position:0% we love it we're raising now to scale across<00:09:46.720> the<00:09:46.839> rest<00:09:47.000> of<00:09:47.160> Africa<00:09:47.800> if<00:09:47.920> there's<00:09:48.079> any 00:09:48.230 --> 00:09:48.240 align:start position:0% across the rest of Africa if there's any 00:09:48.240 --> 00:09:49.550 align:start position:0% across the rest of Africa if there's any investment<00:09:48.640> interest<00:09:49.000> please<00:09:49.160> find<00:09:49.360> me 00:09:49.550 --> 00:09:49.560 align:start position:0% investment interest please find me 00:09:49.560 --> 00:09:51.150 align:start position:0% investment interest please find me afterwards<00:09:50.040> but<00:09:50.160> it's<00:09:50.279> a<00:09:50.399> very<00:09:50.560> very<00:09:50.760> exciting 00:09:51.150 --> 00:09:51.160 align:start position:0% afterwards but it's a very very exciting 00:09:51.160 --> 00:09:54.710 align:start position:0% afterwards but it's a very very exciting space<00:09:51.920> but<00:09:52.040> we<00:09:52.160> want<00:09:52.240> to<00:09:52.360> do<00:09:52.880> more<00:09:53.880> our<00:09:54.120> problem 00:09:54.710 --> 00:09:54.720 align:start position:0% space but we want to do more our problem 00:09:54.720 --> 00:09:57.030 align:start position:0% space but we want to do more our problem is<00:09:54.920> like<00:09:55.079> any<00:09:55.279> credit<00:09:56.200> credit<00:09:56.519> industry<00:09:56.959> is 00:09:57.030 --> 00:09:57.040 align:start position:0% is like any credit credit industry is 00:09:57.040 --> 00:09:59.110 align:start position:0% is like any credit credit industry is that<00:09:57.200> we<00:09:57.320> need<00:09:57.440> to<00:09:57.560> feed<00:09:57.839> the<00:09:58.000> machine<00:09:58.959> we're 00:09:59.110 --> 00:09:59.120 align:start position:0% that we need to feed the machine we're 00:09:59.120 --> 00:10:00.790 align:start position:0% that we need to feed the machine we're call<00:09:59.360> constantly<00:09:59.720> raising<00:10:00.160> in<00:10:00.240> order<00:10:00.440> to<00:10:00.560> on 00:10:00.790 --> 00:10:00.800 align:start position:0% call constantly raising in order to on 00:10:00.800 --> 00:10:03.230 align:start position:0% call constantly raising in order to on lend<00:10:01.279> to<00:10:01.480> scale<00:10:02.200> to<00:10:02.399> increase<00:10:02.720> our<00:10:02.880> financial 00:10:03.230 --> 00:10:03.240 align:start position:0% lend to scale to increase our financial 00:10:03.240 --> 00:10:05.509 align:start position:0% lend to scale to increase our financial inclusion<00:10:04.120> footprint<00:10:05.120> that<00:10:05.240> normally 00:10:05.509 --> 00:10:05.519 align:start position:0% inclusion footprint that normally 00:10:05.519 --> 00:10:06.829 align:start position:0% inclusion footprint that normally involves<00:10:05.880> private<00:10:06.079> Equity<00:10:06.360> rounds<00:10:06.640> and<00:10:06.760> all 00:10:06.829 --> 00:10:06.839 align:start position:0% involves private Equity rounds and all 00:10:06.839 --> 00:10:08.670 align:start position:0% involves private Equity rounds and all the<00:10:06.959> rest<00:10:07.079> of 00:10:08.670 --> 00:10:08.680 align:start position:0% the rest of 00:10:08.680 --> 00:10:11.670 align:start position:0% the rest of it<00:10:09.680> with<00:10:09.839> an<00:10:09.959> ethereum<00:10:10.560> architecture<00:10:11.560> we 00:10:11.670 --> 00:10:11.680 align:start position:0% it with an ethereum architecture we 00:10:11.680 --> 00:10:13.790 align:start position:0% it with an ethereum architecture we could<00:10:11.880> potentially<00:10:12.240> take<00:10:12.519> donations<00:10:13.480> debt 00:10:13.790 --> 00:10:13.800 align:start position:0% could potentially take donations debt 00:10:13.800 --> 00:10:16.150 align:start position:0% could potentially take donations debt financing<00:10:14.640> Equity<00:10:15.000> options<00:10:15.640> from<00:10:15.839> anywhere 00:10:16.150 --> 00:10:16.160 align:start position:0% financing Equity options from anywhere 00:10:16.160 --> 00:10:18.670 align:start position:0% financing Equity options from anywhere in<00:10:16.279> the<00:10:16.600> world<00:10:17.600> and<00:10:17.760> on<00:10:18.000> lend<00:10:18.240> that<00:10:18.399> directly 00:10:18.670 --> 00:10:18.680 align:start position:0% in the world and on lend that directly 00:10:18.680 --> 00:10:21.230 align:start position:0% in the world and on lend that directly to<00:10:18.839> our 00:10:21.230 --> 00:10:21.240 align:start position:0% 00:10:21.240 --> 00:10:23.350 align:start position:0% customers<00:10:22.240> investors<00:10:22.640> can<00:10:22.760> see<00:10:22.959> exactly 00:10:23.350 --> 00:10:23.360 align:start position:0% customers investors can see exactly 00:10:23.360 --> 00:10:25.389 align:start position:0% customers investors can see exactly where<00:10:23.519> every<00:10:23.720> dollar<00:10:24.120> goes<00:10:24.839> specifically<00:10:25.240> to 00:10:25.389 --> 00:10:25.399 align:start position:0% where every dollar goes specifically to 00:10:25.399 --> 00:10:27.630 align:start position:0% where every dollar goes specifically to point<00:10:25.560> of<00:10:25.680> use<00:10:25.880> and<00:10:26.120> back<00:10:26.360> again<00:10:27.200> that's<00:10:27.440> very 00:10:27.630 --> 00:10:27.640 align:start position:0% point of use and back again that's very 00:10:27.640 --> 00:10:29.790 align:start position:0% point of use and back again that's very valuable<00:10:28.120> and<00:10:28.240> that's<00:10:28.399> very<00:10:28.600> exciting<00:10:29.440> we<00:10:29.600> can 00:10:29.790 --> 00:10:29.800 align:start position:0% valuable and that's very exciting we can 00:10:29.800 --> 00:10:32.230 align:start position:0% valuable and that's very exciting we can collaborate<00:10:30.320> within<00:10:30.519> a<00:10:30.720> wider<00:10:31.240> ecosystem 00:10:32.230 --> 00:10:32.240 align:start position:0% collaborate within a wider ecosystem 00:10:32.240 --> 00:10:34.829 align:start position:0% collaborate within a wider ecosystem where<00:10:32.399> with<00:10:32.560> people<00:10:32.760> like<00:10:32.920> order<00:10:33.360> Orga<00:10:34.000> sorry 00:10:34.829 --> 00:10:34.839 align:start position:0% where with people like order Orga sorry 00:10:34.839 --> 00:10:37.750 align:start position:0% where with people like order Orga sorry we<00:10:35.040> can<00:10:36.040> do<00:10:36.240> more<00:10:36.480> accurate<00:10:36.800> credit<00:10:37.360> based 00:10:37.750 --> 00:10:37.760 align:start position:0% we can do more accurate credit based 00:10:37.760 --> 00:10:39.910 align:start position:0% we can do more accurate credit based risk<00:10:38.000> scoring<00:10:38.920> based<00:10:39.160> on<00:10:39.240> the<00:10:39.360> reputations 00:10:39.910 --> 00:10:39.920 align:start position:0% risk scoring based on the reputations 00:10:39.920 --> 00:10:42.350 align:start position:0% risk scoring based on the reputations people<00:10:40.360> build<00:10:41.360> we<00:10:41.480> can<00:10:41.680> help<00:10:42.160> with 00:10:42.350 --> 00:10:42.360 align:start position:0% people build we can help with 00:10:42.360 --> 00:10:43.750 align:start position:0% people build we can help with individuals<00:10:43.079> creating<00:10:43.440> their<00:10:43.560> own 00:10:43.750 --> 00:10:43.760 align:start position:0% individuals creating their own 00:10:43.760 --> 00:10:45.590 align:start position:0% individuals creating their own reputations<00:10:44.360> through<00:10:44.560> the<00:10:44.680> conduct<00:10:45.000> of<00:10:45.120> their 00:10:45.590 --> 00:10:45.600 align:start position:0% reputations through the conduct of their 00:10:45.600 --> 00:10:47.829 align:start position:0% reputations through the conduct of their businesses<00:10:46.560> and<00:10:46.720> give<00:10:46.839> a<00:10:47.000> much<00:10:47.160> fairer<00:10:47.720> kind 00:10:47.829 --> 00:10:47.839 align:start position:0% businesses and give a much fairer kind 00:10:47.839 --> 00:10:49.710 align:start position:0% businesses and give a much fairer kind of<00:10:48.040> dynamic<00:10:48.399> to<00:10:48.519> their 00:10:49.710 --> 00:10:49.720 align:start position:0% of dynamic to their 00:10:49.720 --> 00:10:51.910 align:start position:0% of dynamic to their lives<00:10:50.720> within<00:10:51.000> this<00:10:51.160> ecosystem<00:10:51.680> there<00:10:51.800> are 00:10:51.910 --> 00:10:51.920 align:start position:0% lives within this ecosystem there are 00:10:51.920 --> 00:10:53.269 align:start position:0% lives within this ecosystem there are all<00:10:52.040> these<00:10:52.200> other<00:10:52.480> applications<00:10:53.000> who<00:10:53.120> have 00:10:53.269 --> 00:10:53.279 align:start position:0% all these other applications who have 00:10:53.279 --> 00:10:55.509 align:start position:0% all these other applications who have spoken<00:10:53.639> here<00:10:53.800> or<00:10:53.920> will<00:10:54.079> speak<00:10:54.399> later<00:10:55.240> who<00:10:55.360> can 00:10:55.509 --> 00:10:55.519 align:start position:0% spoken here or will speak later who can 00:10:55.519 --> 00:10:58.230 align:start position:0% spoken here or will speak later who can do<00:10:55.720> enormous<00:10:56.200> things<00:10:56.399> in<00:10:56.800> Africa<00:10:57.800> and<00:10:57.959> aside 00:10:58.230 --> 00:10:58.240 align:start position:0% do enormous things in Africa and aside 00:10:58.240 --> 00:11:00.590 align:start position:0% do enormous things in Africa and aside from<00:10:58.399> doing<00:10:58.600> our<00:10:58.720> own<00:10:58.959> thing<00:10:59.600> we<00:11:00.079> do<00:11:00.279> our<00:11:00.440> best 00:11:00.590 --> 00:11:00.600 align:start position:0% from doing our own thing we do our best 00:11:00.600 --> 00:11:02.190 align:start position:0% from doing our own thing we do our best to<00:11:00.720> be<00:11:00.839> the<00:11:00.920> ethereum<00:11:01.360> champion<00:11:01.800> certainly<00:11:02.120> in 00:11:02.190 --> 00:11:02.200 align:start position:0% to be the ethereum champion certainly in 00:11:02.200 --> 00:11:04.150 align:start position:0% to be the ethereum champion certainly in Nairobi<00:11:02.839> and<00:11:03.000> across<00:11:03.360> Africa<00:11:03.680> also<00:11:03.920> a<00:11:04.040> little 00:11:04.150 --> 00:11:04.160 align:start position:0% Nairobi and across Africa also a little 00:11:04.160 --> 00:11:05.509 align:start position:0% Nairobi and across Africa also a little bit<00:11:04.279> more<00:11:04.399> of<00:11:04.519> that<00:11:04.680> later<00:11:05.200> but<00:11:05.360> the 00:11:05.509 --> 00:11:05.519 align:start position:0% bit more of that later but the 00:11:05.519 --> 00:11:07.310 align:start position:0% bit more of that later but the possibilities<00:11:06.240> as<00:11:06.360> we<00:11:06.519> know<00:11:06.680> are<00:11:06.839> virtually 00:11:07.310 --> 00:11:07.320 align:start position:0% possibilities as we know are virtually 00:11:07.320 --> 00:11:09.350 align:start position:0% possibilities as we know are virtually Limitless<00:11:08.320> but<00:11:08.440> for<00:11:08.600> the<00:11:08.720> people<00:11:09.040> actually 00:11:09.350 --> 00:11:09.360 align:start position:0% Limitless but for the people actually 00:11:09.360 --> 00:11:10.670 align:start position:0% Limitless but for the people actually there<00:11:09.600> now<00:11:09.920> who<00:11:10.040> are<00:11:10.160> learning<00:11:10.480> about 00:11:10.670 --> 00:11:10.680 align:start position:0% there now who are learning about 00:11:10.680 --> 00:11:12.470 align:start position:0% there now who are learning about ethereum<00:11:11.360> they're<00:11:11.600> the<00:11:11.680> people<00:11:11.920> who<00:11:12.079> unlock 00:11:12.470 --> 00:11:12.480 align:start position:0% ethereum they're the people who unlock 00:11:12.480 --> 00:11:14.269 align:start position:0% ethereum they're the people who unlock solutions<00:11:13.160> for<00:11:13.320> their<00:11:13.440> own 00:11:14.269 --> 00:11:14.279 align:start position:0% solutions for their own 00:11:14.279 --> 00:11:16.629 align:start position:0% solutions for their own communities<00:11:15.279> so<00:11:15.399> how<00:11:15.480> do<00:11:15.600> we<00:11:15.720> make<00:11:15.839> it<00:11:16.040> happen 00:11:16.629 --> 00:11:16.639 align:start position:0% communities so how do we make it happen 00:11:16.639 --> 00:11:18.750 align:start position:0% communities so how do we make it happen well<00:11:16.839> last<00:11:17.079> week<00:11:17.600> I'm<00:11:17.720> delighted<00:11:18.079> to<00:11:18.160> say<00:11:18.399> that 00:11:18.750 --> 00:11:18.760 align:start position:0% well last week I'm delighted to say that 00:11:18.760 --> 00:11:20.629 align:start position:0% well last week I'm delighted to say that we<00:11:18.920> sponsored<00:11:19.320> the<00:11:19.440> first<00:11:19.680> Nairobi<00:11:20.160> ethereum 00:11:20.629 --> 00:11:20.639 align:start position:0% we sponsored the first Nairobi ethereum 00:11:20.639 --> 00:11:22.990 align:start position:0% we sponsored the first Nairobi ethereum Meetup<00:11:21.440> which<00:11:21.560> was<00:11:21.680> a<00:11:21.880> magnificent<00:11:22.480> success 00:11:22.990 --> 00:11:23.000 align:start position:0% Meetup which was a magnificent success 00:11:23.000 --> 00:11:26.069 align:start position:0% Meetup which was a magnificent success it<00:11:23.120> was<00:11:23.279> a<00:11:23.399> lot<00:11:23.560> of<00:11:23.720> fun<00:11:24.600> that's<00:11:24.839> Andrew<00:11:25.160> kbe<00:11:25.680> my 00:11:26.069 --> 00:11:26.079 align:start position:0% it was a lot of fun that's Andrew kbe my 00:11:26.079 --> 00:11:28.710 align:start position:0% it was a lot of fun that's Andrew kbe my CTO<00:11:27.079> taking<00:11:27.399> the<00:11:27.480> MinGa<00:11:28.000> coding<00:11:28.279> school<00:11:28.600> in 00:11:28.710 --> 00:11:28.720 align:start position:0% CTO taking the MinGa coding school in 00:11:28.720 --> 00:11:31.629 align:start position:0% CTO taking the MinGa coding school in Nairobi<00:11:29.680> through<00:11:30.320> the<00:11:30.519> initial<00:11:30.920> startup 00:11:31.629 --> 00:11:31.639 align:start position:0% Nairobi through the initial startup 00:11:31.639 --> 00:11:32.949 align:start position:0% Nairobi through the initial startup within<00:11:31.880> two<00:11:32.079> hours<00:11:32.399> these<00:11:32.600> guys<00:11:32.800> had 00:11:32.949 --> 00:11:32.959 align:start position:0% within two hours these guys had 00:11:32.959 --> 00:11:35.350 align:start position:0% within two hours these guys had downloaded<00:11:33.440> the<00:11:33.600> GitHub<00:11:34.519> and<00:11:34.680> they<00:11:34.880> had 00:11:35.350 --> 00:11:35.360 align:start position:0% downloaded the GitHub and they had 00:11:35.360 --> 00:11:38.829 align:start position:0% downloaded the GitHub and they had started<00:11:35.720> building<00:11:36.160> their<00:11:36.320> own<00:11:36.560> smart 00:11:38.829 --> 00:11:38.839 align:start position:0% started building their own smart 00:11:38.839 --> 00:11:41.990 align:start position:0% started building their own smart contracts<00:11:39.839> Tech<00:11:40.120> investors<00:11:40.560> take<00:11:41.000> note 00:11:41.990 --> 00:11:42.000 align:start position:0% contracts Tech investors take note 00:11:42.000 --> 00:11:46.150 align:start position:0% contracts Tech investors take note coders<00:11:42.639> run<00:11:43.079> on<00:11:43.320> muffins<00:11:44.320> no<00:11:44.519> muffins<00:11:45.079> no<00:11:45.399> code 00:11:46.150 --> 00:11:46.160 align:start position:0% coders run on muffins no muffins no code 00:11:46.160 --> 00:11:48.990 align:start position:0% coders run on muffins no muffins no code never<00:11:46.399> underestimate<00:11:47.000> the<00:11:47.120> power<00:11:47.279> of<00:11:47.360> the 00:11:48.990 --> 00:11:49.000 align:start position:0% never underestimate the power of the 00:11:49.000 --> 00:11:51.910 align:start position:0% never underestimate the power of the muffin<00:11:50.000> so<00:11:50.240> watch<00:11:50.440> out<00:11:50.680> Pi<00:11:51.000> Piper<00:11:51.680> because 00:11:51.910 --> 00:11:51.920 align:start position:0% muffin so watch out Pi Piper because 00:11:51.920 --> 00:11:53.829 align:start position:0% muffin so watch out Pi Piper because nairobi's<00:11:52.360> on<00:11:52.480> the 00:11:53.829 --> 00:11:53.839 align:start position:0% nairobi's on the 00:11:53.839 --> 00:11:57.069 align:start position:0% nairobi's on the March<00:11:54.839> what<00:11:54.959> else<00:11:55.160> can<00:11:55.279> we<00:11:55.440> do<00:11:56.160> keep<00:11:56.399> promoting 00:11:57.069 --> 00:11:57.079 align:start position:0% March what else can we do keep promoting 00:11:57.079 --> 00:11:59.230 align:start position:0% March what else can we do keep promoting keep<00:11:57.320> talking<00:11:57.880> keep<00:11:58.079> connection<00:11:58.920> keep 00:11:59.230 --> 00:11:59.240 align:start position:0% keep talking keep connection keep 00:11:59.240 --> 00:12:01.790 align:start position:0% keep talking keep connection keep promoting<00:11:59.519> the<00:12:00.000> ecosystem<00:12:01.000> maximize<00:12:01.560> the 00:12:01.790 --> 00:12:01.800 align:start position:0% promoting the ecosystem maximize the 00:12:01.800 --> 00:12:04.310 align:start position:0% promoting the ecosystem maximize the uptake<00:12:02.800> this<00:12:02.920> is<00:12:03.000> our<00:12:03.200> own<00:12:03.680> effort<00:12:03.959> at<00:12:04.120> getting 00:12:04.310 --> 00:12:04.320 align:start position:0% uptake this is our own effort at getting 00:12:04.320 --> 00:12:06.230 align:start position:0% uptake this is our own effort at getting onto<00:12:05.040> the<00:12:05.160> ethereum 00:12:06.230 --> 00:12:06.240 align:start position:0% onto the ethereum 00:12:06.240 --> 00:12:09.550 align:start position:0% onto the ethereum project<00:12:07.240> we're<00:12:07.440> working<00:12:07.720> on<00:12:08.200> it<00:12:09.200> make<00:12:09.399> the 00:12:09.550 --> 00:12:09.560 align:start position:0% project we're working on it make the 00:12:09.560 --> 00:12:11.750 align:start position:0% project we're working on it make the business<00:12:09.920> case<00:12:10.120> Drive<00:12:10.399> the<00:12:10.600> technology<00:12:11.560> let 00:12:11.750 --> 00:12:11.760 align:start position:0% business case Drive the technology let 00:12:11.760 --> 00:12:13.910 align:start position:0% business case Drive the technology let the<00:12:11.880> technology<00:12:12.519> unlock<00:12:12.959> the<00:12:13.120> opportunities 00:12:13.910 --> 00:12:13.920 align:start position:0% the technology unlock the opportunities 00:12:13.920 --> 00:12:16.230 align:start position:0% the technology unlock the opportunities for<00:12:14.079> the<00:12:14.199> business<00:12:14.880> cases<00:12:15.880> and<00:12:16.040> keep 00:12:16.230 --> 00:12:16.240 align:start position:0% for the business cases and keep 00:12:16.240 --> 00:12:19.150 align:start position:0% for the business cases and keep Connecting<00:12:17.199> People<00:12:18.199> okay<00:12:18.639> everything<00:12:19.000> that 00:12:19.150 --> 00:12:19.160 align:start position:0% Connecting People okay everything that 00:12:19.160 --> 00:12:21.710 align:start position:0% Connecting People okay everything that we<00:12:19.320> do<00:12:19.880> is<00:12:20.079> about<00:12:20.519> people<00:12:21.199> all<00:12:21.360> right<00:12:21.560> the 00:12:21.710 --> 00:12:21.720 align:start position:0% we do is about people all right the 00:12:21.720 --> 00:12:23.750 align:start position:0% we do is about people all right the technology<00:12:22.639> connects<00:12:23.120> people<00:12:23.560> and<00:12:23.639> it 00:12:23.750 --> 00:12:23.760 align:start position:0% technology connects people and it 00:12:23.760 --> 00:12:26.269 align:start position:0% technology connects people and it connects<00:12:24.199> ideas<00:12:25.120> all<00:12:25.320> right<00:12:25.800> so<00:12:26.040> keep 00:12:26.269 --> 00:12:26.279 align:start position:0% connects ideas all right so keep 00:12:26.279 --> 00:12:28.430 align:start position:0% connects ideas all right so keep communicating<00:12:27.240> when<00:12:27.360> we<00:12:27.519> reach<00:12:27.760> out<00:12:27.920> to<00:12:28.040> you 00:12:28.430 --> 00:12:28.440 align:start position:0% communicating when we reach out to you 00:12:28.440 --> 00:12:30.790 align:start position:0% communicating when we reach out to you please<00:12:28.680> answer<00:12:28.959> up<00:12:29.519> help<00:12:29.720> us<00:12:29.880> along<00:12:30.120> the<00:12:30.240> way 00:12:30.790 --> 00:12:30.800 align:start position:0% please answer up help us along the way 00:12:30.800 --> 00:12:32.110 align:start position:0% please answer up help us along the way we'll<00:12:31.000> do<00:12:31.199> the<00:12:31.279> same<00:12:31.480> if<00:12:31.600> there's<00:12:31.760> anything<00:12:32.000> we 00:12:32.110 --> 00:12:32.120 align:start position:0% we'll do the same if there's anything we 00:12:32.120 --> 00:12:34.110 align:start position:0% we'll do the same if there's anything we can<00:12:32.240> do<00:12:32.360> to<00:12:32.560> help<00:12:33.279> people<00:12:33.800> understand<00:12:33.959> or 00:12:34.110 --> 00:12:34.120 align:start position:0% can do to help people understand or 00:12:34.120 --> 00:12:36.829 align:start position:0% can do to help people understand or enter<00:12:34.399> Africa<00:12:34.680> in<00:12:34.800> any<00:12:35.040> way<00:12:35.560> all<00:12:35.760> right<00:12:36.680> and 00:12:36.829 --> 00:12:36.839 align:start position:0% enter Africa in any way all right and 00:12:36.839 --> 00:12:38.310 align:start position:0% enter Africa in any way all right and let<00:12:37.000> us<00:12:37.160> all<00:12:37.320> work<00:12:37.600> together<00:12:37.800> to<00:12:37.920> do<00:12:38.079> this 00:12:38.310 --> 00:12:38.320 align:start position:0% let us all work together to do this 00:12:38.320 --> 00:12:41.670 align:start position:0% let us all work together to do this that's<00:12:38.519> my<00:12:38.720> f<00:12:39.360> magnificent<00:12:39.959> CEO<00:12:40.600> FMA<00:12:41.399> and<00:12:41.560> one 00:12:41.670 --> 00:12:41.680 align:start position:0% that's my f magnificent CEO FMA and one 00:12:41.680 --> 00:12:43.470 align:start position:0% that's my f magnificent CEO FMA and one of<00:12:41.800> our<00:12:41.920> wonderful<00:12:42.240> branch<00:12:42.519> managers<00:12:43.160> Edith 00:12:43.470 --> 00:12:43.480 align:start position:0% of our wonderful branch managers Edith 00:12:43.480 --> 00:12:45.790 align:start position:0% of our wonderful branch managers Edith and<00:12:43.760> machakos<00:12:44.760> all 00:12:45.790 --> 00:12:45.800 align:start position:0% and machakos all 00:12:45.800 --> 00:12:48.110 align:start position:0% and machakos all right<00:12:46.800> it's<00:12:46.959> a<00:12:47.120> very<00:12:47.279> very<00:12:47.480> exciting<00:12:47.880> space 00:12:48.110 --> 00:12:48.120 align:start position:0% right it's a very very exciting space 00:12:48.120 --> 00:12:50.470 align:start position:0% right it's a very very exciting space that<00:12:48.240> we're<00:12:48.399> in<00:12:49.240> so<00:12:49.480> please<00:12:49.760> by<00:12:49.880> all<00:12:50.000> means<00:12:50.320> all 00:12:50.470 --> 00:12:50.480 align:start position:0% that we're in so please by all means all 00:12:50.480 --> 00:12:53.269 align:start position:0% that we're in so please by all means all questions<00:12:51.000> welcome<00:12:52.000> um<00:12:52.240> I<00:12:52.360> fly<00:12:52.600> back<00:12:52.720> to<00:12:52.839> nairy 00:12:53.269 --> 00:12:53.279 align:start position:0% questions welcome um I fly back to nairy 00:12:53.279 --> 00:12:55.629 align:start position:0% questions welcome um I fly back to nairy Monday<00:12:53.600> morning<00:12:54.440> contact<00:12:54.800> details<00:12:55.160> freely 00:12:55.629 --> 00:12:55.639 align:start position:0% Monday morning contact details freely 00:12:55.639 --> 00:12:58.410 align:start position:0% Monday morning contact details freely available<00:12:56.639> thank<00:12:56.800> you<00:12:56.959> very<00:12:57.160> much 00:12:58.410 --> 00:12:58.420 align:start position:0% 00:12:58.420 --> 00:13:00.920 align:start position:0% [Applause] [Music] 00:13:00.920 --> 00:13:00.930 align:start position:0% [Music] 00:13:00.930 --> 00:13:05.180 align:start position:0% [Music] [Applause] 00:13:05.180 --> 00:13:05.190 align:start position:0% [Applause] 00:13:05.190 --> 00:13:09.079 align:start position:0% [Applause] [Music]